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2026 Mortgage-Free Wannabes

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Comments

  • Sandyra
    Sandyra Posts: 331 Forumite
    Tenth Anniversary 100 Posts Name Dropper Cashback Cashier

    #32; Jan OP of £903.17 please

    MFW 26 #32 £2,686.88/£6,000; MFW 25 #32 £9,594.51/£3,000; MFW 24 #32 £4,217.84/£3,000; MFW 23 #32 £5,238.84/£4,000; MFW 22 #32 £8,246.43/£8,000; MFW 21 #32 £8,982.73/£8,000; MFW 20 #32 £12,000/£6,000

    Save £12k in 2026 #32 £8,625/£18,000; Save £12k in 2025 #48 £20,000/£14,000; Save £12k in 2024 #26 £13,055.37/£6,000; Save £12k in 2023 #31 £11,500/£6,000; Save £12k in 2022 #32 £7,180.24/£7,000; Save £12k in 2021 #32 £9,500/£8,000; Save £12k in 2020 #147 £9,370/£8,000

  • amydoll83
    amydoll83 Posts: 38 Forumite
    Tenth Anniversary 10 Posts
    edited 2 February at 9:16AM

    Hi Julicorn, #67 checking in with a January total of £277.71

    MFW 2026 OP Challenge Target £4000
    January = £277.71
    February = £239.63
    March = £347.00

    £864.34/£4000

    Little and often, that's the key. IYKYK  
  • pawlala
    pawlala Posts: 1,440 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    #22 reporting total overpayments for

    January     came to £671.87

    Thanks and have a great week everyone!

    Mortgage free I: 8th December 2009!
    Mortgage free II: New Year's Eve 2013!
    Mortgage free III: Est. Dec 2021...
  • SeekingFlight
    SeekingFlight Posts: 216 Forumite
    Tenth Anniversary 100 Posts Name Dropper

    #63 reporting £1200 for February

    #5 Make £2026 in 2026 £1057.72/£2026
    #63 Mortgage Free Wannabe 2026 OP £4700/£38,100
    Decluttering Campaign 26/2026
    "Remember not to do too many things at once" said me to herself.
  • carboot_karaoke
    carboot_karaoke Posts: 663 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper

    Afternoon all,

    #31 Reporting our first Feb OP of £1400.

    YTD £2400

    Many thanks @julicorn

    Current Balance £10,750
    MFW 2026 #31 £12,250 / £17,000 OP
    MFIT - T7  

    Emergency Fund £4,410 / £5,000

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £130 / £365

    Declutter 37 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01 Mar £352.91 April £422.85

    The final countdown to June 2026 - Page 4 — MoneySavingExpert Forum


  • Pinkpieuni
    Pinkpieuni Posts: 258 Forumite
    100 Posts First Anniversary Name Dropper Photogenic

    #61 1st payment of £210 for Feb

    Challenges

    NSD - May - 1/10

    1. 2026 Mortgage-Free Wannabes #61 £19,133.06/£29,000, MF target June 2026, current mortgage balance - £9,569.36

    mortgage @ Jan 2025 - £75,600

    2. Loan  - Jan 2026 £1,029.22 - bal £0- fully paid 

    3.52 Week Envelope Saving Challenge #2  £106/£1,378 -( 1/52)

    4. EF - £1,292

  • caledonian_princess
    caledonian_princess Posts: 410 Forumite
    Part of the Furniture 100 Posts Photogenic Name Dropper
    edited 2 February at 8:02PM

    #25 with an op of £112.82 today. Thanks @julicorn

    25
  • NotWhereIWantToBe
    NotWhereIWantToBe Posts: 121 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper

    Hi @julicorn please can you add £276 for January for #83 please.

    Many thanks.

    User name should now read NowWhereIWantToBe  

    Amount overpaid so far £8298 (2022)

    Overpayment ready to add to funds when fixed deal runs out July 2027 £27000


    Mortgage end date when taken out : July 2050
    Mortgage current end date : January 2047

    MFW #83 Overpayments for 2026
    Jan £276 Feb £300 March £324 April £323

    Daily interest £3.29
    Percentage owned 49.8%
  • Shal1160
    Shal1160 Posts: 72 Forumite
    Fifth Anniversary 10 Posts Name Dropper

    Hi fellow MFWs and happy February!

    I'm thinking I might need to revisit my target as possibly too ambitious for 2026, as have mortgage renewal coming up in the summer and will be back up to normal mortgage rates after 5 years, but will see how the year goes. In the meantime #20 with February o/p of £91.25, thank you Julicorn 🙂

    Mortgage start: Sept 2018 £140,000 (30 years) Sept 2020: £129,131 
    Sept 2021: £121,000 (remortgaged for 22 years), Sept 2022: £111,009, Sept 2023: £101,700, Sept 2024: £94,405, Sept 2025: £85,470
    Current: £82,680 (Feb 26)
    MFW 2025 #29
    MFW 2026 #20
    Just keep swimming
  • MFWannabe
    MFWannabe Posts: 2,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    #50 small overpayment of £7

    Feb total so far £294.33


    MFW 2026 #50

    Mortgage:

    04/04/26: £33,500 

    07/03/26: £34,418.15

    16/01/26: £56,794.25
    02/01/26: £60,223.17

    12/08/25: Mortgage: £62,500.00
    12/06/25: Mortgage: £65,000.00
    07/03/25: Mortgage: £67,000.00
    18/01/25: Mortgage: £68,500.14
    27/12/24: Mortgage: £69,278.38 

    Savings: £20,000




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