We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

2026 Mortgage-Free Wannabes

1…3132343637…45

Comments

  • V3cash
    V3cash Posts: 459 Forumite
    Ninth Anniversary 100 Posts Mortgage-free Glee! Name Dropper
    edited 1 May at 4:25AM

    £11.96 so far for May, for no 68 please

    Many thanks

    MFW December 2026

    Initial mtg £100,000 Jan 2021
    Final payment made balance £0 May 2026
    mortgage free part II done!
    retirement planning started June 26
    H&L share ac started.





  • HelenaPinky
    HelenaPinky Posts: 68 Forumite
    Fourth Anniversary 10 Posts Mortgage-free Glee! Photogenic

    #75 with a May OP of £160 which means a total for year of 1660...and....mortgage cleared. It won't sink in until I see the cleared figure tomorrow once today's payments go through.

    Julicorn I'll be lost without this - please can my savings goal for 2026 be updated from £1660 to £3760...it'll turn into new house deposit savings now, but going to take off the pressure for 2026 and reduce to £300 a month so I can splash out every month this year...something I've not done in years! Already spent May's savings and bought custom made blinds for the dining room and bathroom! HP x

    Mortgage when saw the MSE light 💡: £85,000 (end date 2045) up to £112,000 for house move (end date 2054)
    🍾 1st May 2026: mortgage free! 

    🏡New goal: enjoy spending then save 15,000 for 'forever' home by Dec 2028!

    2026MFW #75
  • pawlala
    pawlala Posts: 1,443 Forumite
    Part of the Furniture 1,000 Posts Name Dropper

    #22 reporting total overpayments for

    April came to £875.67

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

    #61, another £50 overpayment made. Total for April is now £4,744.06 - mortgage balance is now below £10k with thanks to MSE for the light bulb moment. And thanks @julicorn for this group, its helping us to stay on straight and narrow.

    Challenges

    NSD - July - 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

  • Sammie_1985
    Sammie_1985 Posts: 286 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    https://forums.moneysavingexpert.com/discussion/comment/81983303#Comment_81983303

    congratulations 🎉🥂

    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 

    🏡Mortgage Now - £181,393.84
    💫Term Remaining (With Overpayments) - 20yrs 1Month

    🗓️241/360 Monthly Payments Remaining 

    💷MFW 2026 #4 - £4944.07/£7000

    💰EF - £7314/£10000


  • Pinkpieuni
    Pinkpieuni Posts: 269 Forumite
    100 Posts First Anniversary Name Dropper Photogenic
    https://forums.moneysavingexpert.com/discussion/comment/81983303#Comment_81983303

    Another one saying congratulations. Well done!

    Challenges

    NSD - July - 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

  • LzzyIsGod
    LzzyIsGod Posts: 724 Forumite
    500 Posts First Anniversary Photogenic Name Dropper

    #41 overpayment today £22.97

    Enjoy your break Juilcorn!


    Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes
  • Sandyra
    Sandyra Posts: 340 Forumite
    Part of the Furniture 100 Posts Name Dropper Cashback Cashier
    edited 1 May at 6:39PM

    #32 reporting OP April amount of £885.24

    Thank you

    MFW 26 #32 £4,854.66/£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 £12,625/£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

  • becksta
    becksta Posts: 2,269 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper

    Hello everyone! #38 checking in with my total April overpayment of £1140.20.

    Good luck for May!

    MFW 2022 #88: £6620/£6000
    MFW 2023 #38: £13242.13/£6000
    MFW 2024 #38: £15792.12./£9000
    MFW 2025 #38: £16090.54/£7500
    MFW 2026 #38: £10994.52/£9500

    Thank you to all competition posters
  • Hettyhound
    Hettyhound Posts: 1,205 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper

    no 21 with a May overpayment of £183. Thank you!

    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; July 2026 £11,824 2025 OP £2991/£2,000 2026 £3,350/£5,500
    MFiT T6 #3 £19070/£25,500 (72.82%%) MFiT T7 #3 £6070/£21,930 (27.67%)
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 355.1K Banking & Borrowing
  • 254.6K Reduce Debt & Boost Income
  • 455.8K Spending & Discounts
  • 247.9K Work, Benefits & Business
  • 604.9K Mortgages, Homes & Bills
  • 178.8K Life & Family
  • 262.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture