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2026 Mortgage-Free Wannabes

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Comments

  • amydoll83
    amydoll83 Posts: 42
    Tenth Anniversary 10 Posts
    Forumite

    #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. IYKYK  
  • smetf
    smetf Posts: 399
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Forumite

    #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 £31,285.95
    MFW 2022 #35 10,000
    MFW 2023 #3 10,358.97
    MFW 2024 #3 10,000
    MFW 2025 #3 10,000
    MFW 2026 7,384.62/7,384.62
    MFiT-T7 #10 aiming for 16k https://forums.moneysavingexpert.com/discussion/6283332/halving-our-income-and-still-aiming-for-mortgage-free#latest
  • Sandyra
    Sandyra Posts: 348
    Part of the Furniture 100 Posts Name Dropper Cashback Cashier
    Forumite

    #32 Feb OP £898.47 please

    Thanks julicorn

    MFW 26 #32 £7,968.31/£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 £16,625/£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

  • pawlala
    pawlala Posts: 1,445
    Part of the Furniture 1,000 Posts Name Dropper
    Forumite
    edited 2 March at 9:26AM

    #22 reporting total overpayments for

    February came to £784.94

    Thanks and have a great week everyone!

  • carboot_karaoke
    carboot_karaoke Posts: 790
    500 Posts Third Anniversary Photogenic Name Dropper
    Forumite

    Morning all,

    #31 Reporting another £700 OP for March

    March total so far £1500

    YTD £5500

    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


  • Pinkpieuni
    Pinkpieuni Posts: 269
    100 Posts First Anniversary Name Dropper Photogenic
    Forumite

    #61, another £1,782.18 today for February. Total paid for February is £3,229.80. now down to the teens :-)

    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

  • julicorn
    julicorn Posts: 2,783
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    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 :)

  • julicorn
    julicorn Posts: 2,783
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Forumite

    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!

  • AuntieL
    AuntieL Posts: 502
    500 Posts Third Anniversary Name Dropper Photogenic
    Forumite

    #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 0/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150930.97 (23years 0months)
    Current outstanding = £90,256.60 (10years 1month)
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £357.72/£1000
  • #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 £32510


    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 May £400 June £400 July £3860 Aug £350 Sept £500

    Daily interest £3.22
    Percentage owned 50.8%
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