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2026 Mortgage-Free Wannabes

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Comments

  • debtfreewannabe321
    debtfreewannabe321 Posts: 11,078
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Forumite

    #26 with a Feb payment of £261 🙂

    Emergency Fund - £1000 
    Baby cash emergency fund £120/250 
    Mortgage OP goal 2026 - £1200/£4500 
    Groceries October £ 158.27/500

  • Pinkpieuni
    Pinkpieuni Posts: 269
    100 Posts First Anniversary Name Dropper Photogenic
    Forumite
    edited 6 February at 4:56PM

    Another #£1,237.72 op today, total for Feb is now at £1,447.62. I hope to break into the teens this month.

    Challenges

    NSD - August - xx/10

    1. 2026 Mortgage-Free Wannabes #61 £27,100/£27,100, target met June 2026, mortgage balance - £0.  mortgage @ Jan 2025 - £75,600

    2. 2026 Mortgage Free Wannabe #47 , buy to let deposit xx/20k

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

    4.52 Week Envelope Saving Challenge #2  £689/£1,378 -( 26/52)

    5. EF - £1,742

  • Hettyhound
    Hettyhound Posts: 1,225
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    Forumite

    Number 21 with a February overpayment of £110. Thanks Julicorn

    SPC #023 SPC 12: £125.86; SPC 13: £214.98; SPC 14: £297.41; SPC 15: £237.27; SPC 16: £335.39; SPC 17: £662.09 SPC 18: £660.03; SPC 19 ?
    MFW #21 Mortgage start Dec 2015 £79,950; October 2026 £10,205 2025 OP £2991/£2,000 2026 £4,285/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £10,595/£21,930 (48.31%)
  • Chili81
    Chili81 Posts: 63
    Sixth Anniversary 10 Posts Name Dropper
    Forumite

    Hi JC, a bit late with my Jan update. £218 for #11 please. Might not manage a Feb one this month as too many unexpected bills

    Thanks!

  • Mortgage_Minimiser
    Mortgage_Minimiser Posts: 351
    Part of the Furniture 100 Posts Name Dropper
    Forumite

    #9 reporting. Nothing exciting so far - just my standard small rounding ups in Jan/Feb.

    Meaningful OP once I get Feb Commission.

    Jan - £8.51

    Feb - £8.51

    Thanks @julicorn

    MM

    X

    Mortgage 1 - 01/2/2015 - £243,750 ; Mortgage 01/11/2024 - £132,576.55
    Mortgage 2 - 2019 - £76,600 ; Mortgage 01/10/2024 - £47,763.29
    MFit-T5 - reduce to £140,000 MFiT-T6 - reduce to £110,000

    01/10/2024 Daily Interest - M1 = £18.27 (!!); M2 = £7.41

    Debt at highest point in 24 -£21,344
    Debt 1st November 24 - £16,192.18 24% paid. Focusing on this in earnest!!!
  • MFWannabe
    MFWannabe Posts: 2,582
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite

    #50

    Another overpayment for Feb of £500

    Feb total: £787.33


    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




  • MFWannabe
    MFWannabe Posts: 2,582
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Forumite

    #50

    Another overpayment for Feb of £497.67

    Feb total of £1285 😁


    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




  • Sammie_1985
    Sammie_1985 Posts: 332
    Seventh Anniversary 100 Posts Name Dropper
    Forumite

    #4 with another payment of £54.81 please.

    Feb total - £654.81

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 22y 9m

    🏡Mortgage Now - £178,200
    💫Term Remaining (With Overpayments) - 19y 7m

    🗓️235/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £6632.24/£7000

    💰EF - £8428/£10000


  • carboot_karaoke
    carboot_karaoke Posts: 793
    500 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Afternoon all,

    #31 with another Feb overpayment of £900

    Feb Total £2300

    YTD £3300

    Many thanks

    Current Balance £6000
    MFW 2026 #31 £17000 / £23,000 OP
    MFIT - T7  

    Property Fund £15,300 / £20,000

    0%CC May 2027-  £5,000

    0% Loan £600.00  - paid ✅️

    Money made £412.75 / £365 (29/09/26)

    Declutter 42 /52 

    Grocery Challenge 2025 £4885.78
    Grocery Challenge 2026 Jan £328.20, Feb £297.01, Mar £352.91, April £422.85, May £358.26, June £431.70,July £282.06

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


  • scottishlass
    scottishlass Posts: 1,987
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Forumite

    #24 Adding a further £3028.64 to Feb bringing a total of £4369.07 for Feb

    Thank you

    2026 Mortgage-Free Wannabes #24 £20648.58/£32063 OP (Original target £20000 met)
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