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2026 Mortgage-Free Wannabes

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Comments

  • MFWannabe
    MFWannabe Posts: 2,562 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker

    #50

    £274.67 overpayment for April 😬


    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




  • Bounty123
    Bounty123 Posts: 228 Forumite
    Seventh Anniversary 100 Posts Photogenic Name Dropper

    Morning,

    #23 here with my April update. £13 which means my yearly total is now £1340.

    @julicorn can I reduce my target to £2000 for this year? I have had to change my focus for 2026.

    Bounty

    2026 MFW No:23
    MFiT-T7 12
  • Chili81
    Chili81 Posts: 58 Forumite
    Sixth Anniversary 10 Posts Name Dropper

    #11 checking in with an April OP of £166. A bit behind atm but hoping to catch up in the second half of the year. Thanks JC!

  • twinklie
    twinklie Posts: 5,277 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Number 2 checking in. Life got in the way Feb and March so £0 OP's there. But I've just done an OP of £200 for April to try and make up for it.

    I'm £100 behind where I wanted to be, but I'm okay with that. I think I can catch up that okay.

    Reduction in daily mortgage interest since October 23 (new mortgage) - £2.84 December 25
    % of house owned/% of mortgage paid off. December 25 - 40.34%/33.36%
    MFiT-T7 #21
    MFW 2025 #2
    MF Date: Oct 37 Feb 37
  • Moneyminded
    Moneyminded Posts: 295 Forumite
    Sixth Anniversary 100 Posts Name Dropper

    #15 checking in late with an OP for March of 173.30. Thanks Julicorn

    • Original mortgage end date: March 2041
    • Current mortgage end date: Dec 2032 
    • MFW 2026 #15 573.30/2000 /// MFW 2025 #15 1628.00/ £2,400 /// MFW 2024 #15 £1,608.85/ £2500 /// MFW 2023 #15 £8,617.84/ £10,000 /// 2022 #15 £7,315.24/ £7250 /// MFW 2021 #15 £8,530.07/ £8500
    • Daily interest is currently £3.48
  • LzzyIsGod
    LzzyIsGod Posts: 708 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    Small sale on V@nted and rounded up to £10 and sent as additional overpayment for April . I'm #41 - many thanks!


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Lauraebrad
    Lauraebrad Posts: 204 Forumite
    Part of the Furniture 100 Posts Name Dropper

    HI @julicorn I hadn't realised I'd got so far behind so here are my numbers for 2026 so far (#30)

    Jan - 200

    Feb - 350

    Mar- 680

    April - 260.

    YTD - £1,490

    Thanks!

    Aiming for mortgage free by September 2030

    Balance 1.1.20 - £69,701.80
    Balance 1.1.21 - £63,699.80
    Balance 1.1.22 - £57,762.80
    Balance 1.1.23 - £53,074.20
    Balance 1.1.24 - £47,902.00
    Balance 1.1.25 - £44,141.20
    Balance 1.1.26 - £40,312.20

    over payments 2026 = £890/£1,200 /// invested 2026 = £600/£1,800 = TOTAL (YTD) £1,490/£3,000
  • LzzyIsGod
    LzzyIsGod Posts: 708 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    #41 £5 overpayment to add to April's Total. (This thread is inspiring me!)

    Many thanks!


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Pinkpieuni
    Pinkpieuni Posts: 258 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    edited 13 April at 3:24PM

    #61 - £594.06 overpayment for April.

    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

  • carboot_karaoke
    carboot_karaoke Posts: 663 Forumite
    500 Posts Second Anniversary Photogenic Name Dropper

    Afternoon all

    #31 Reporting a £100 OP

    April total £2400

    YTD £8800

    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


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