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2026 Mortgage-Free Wannabes
Comments
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#67 total OP for February is £239.63, not quite what I was aiming for but every penny counts.
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. IYKYK1 -
#3 checking in with our March OP of £1000.
Have slightly surpassed our aim for 2026 of £4100 with the delay getting the new mortgage but that is our final OP before it resets next Feb and we're already working on building that OP pot.Thanks @julicorn
S
Mortgage £35, 147.42
MFW 2022 #35 10,000
MFW 2023 #3 10358.97
MFW 2024 #3 10000
MFW 2025 #3 10000
MFW 2026 5384.62/7384.62
MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest1 -
#32 Feb OP £898.47 please
Thanks julicorn
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
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#22 reporting total overpayments for
February came to £784.94
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...1 -
Morning all,
#31 Reporting another £700 OP for March
March total so far £1500
YTD £5500
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 Forum1 -
#61, another £1,782.18 today for February. Total paid for February is £3,229.80. now down to the teens :-)
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 - £842
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That's great, well done! Do let me know if you'd like me to track that savings pot too, I can give you a secondary number for this year :)
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I last updated on Saturday, with a total of around £95k, so I thought I'd have another look today to see if we've gotten past the £100k hurdle - well, turns out you all posted some absolutely incredible OPs over the last couple of days!
The total now stands at a whopping £124,306.82. Very well done!2 -
#45 - March OP of £104
Many thanks @julicorn for keeping track of everything. Amazing total so far 🤩
Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
April 2026 NSD Challenge 0/15MFW 2025 #45
Jan 2016 Mortgage = £150,894 (23years 0months)
Current outstanding = £90,256.60 (10years 1month)
2024 Overpayment = £675.66
2025 Overpayment = £710/£700
2026 Overpayment = £357.72/£10001 -
#83 with a £300 OP for February thank you @julicorn
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%1
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