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2026 Mortgage-Free Wannabes

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Comments

  • julicorn
    julicorn Posts: 2,675 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    LzzyIsGod said:
    Oh drat am I too late to join for 2026?
    Give the post above you another read :D Short answer - no. You can sign up any time in 2026.
  • debtfreewannabe321
    debtfreewannabe321 Posts: 10,182 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 January at 11:18AM
    #26 with my first OP of Jan, £10 😆 with claimed cashback and survey money and rounded up. This month will be bitty payments until we get through Jan and our payrises kick in from new jobs!
    Emergency Fund goal - £717.77/1500
    Weight loss goal 1 - 0/7 lb 
    Mortgage OP goal 2026 - £10/£4500 

    New Diary- https://forums.moneysavingexpert.com/discussion/6647063/investing-in-us-holidays-health-and-the-road-to-150k#latest
  • julicorn
    julicorn Posts: 2,675 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    debtfreewannabe321 said:
    #26 with my first OP of Jan, £10 😆 with claimed cashback and survey money and rounded up. This month will be bitty payments until we get through Jan and our payrises kick in from new jobs!
    Congratulations, and thank you for getting us started with the first OP  :*
  • SuperSavingD
    SuperSavingD Posts: 590 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    #5 £266 OP made today, so glad when the OP allowance resets.  Have split payment between OP’s and savings for future OP’s when the deal ends in Oct 2027.

    Happy New Year to you all 🎉x
  • Jemma01
    Jemma01 Posts: 501 Forumite
    Fourth Anniversary 100 Posts Photogenic Name Dropper
    Hey @julicorn 👋 

    Happy new year 🎊 
    #44, can I please add 6k for January?

    Thanks 
    I'm FTB, not an expert, all my comments are from personal experience and not a professional advice.
    MFWB 2026 #44. 
    Mortgage debt start date = 11/2024 = 175k (5.19% interest rate, 20 year term)
    • Q4/2024 = 139.3k (5.19% -> 4.94%)
    • Q1/2025 = 125.3k (4.94% -> 4.69%)
    • Q2/2025 = 108.9K (4.69% -> 4.44%)
    • Q3/2025 = 92.2k   (4.44% -> 4.19%)
    • Q4/2025 = 43.5k   (4.19% -> 3.94%)
  • Sammie_1985
    Sammie_1985 Posts: 85 Forumite
    Sixth Anniversary 10 Posts Name Dropper
    Happy New Year Everyone 🎉 

    #4 with an overpayment of £100 today 

    thank you @julicorn
    🏡Mortgage July 2019 - £240,000
    💫Term Remaining (Without Overpayments) - 23yrs 6mths

    🏡Mortgage Now - £188,628.65
    💫Term Remaining (With Overpayments) - 21yrs 4mths

    ➰MFW 2026 #4 - £600/£7000➰

  • anna42hmr
    anna42hmr Posts: 2,899 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Happy New Year all

    no 105 here with an overpayment today of £1287.74 please

    thanks again for running the challenge this year Julicorn, its much appreciated 
    MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..
  • AuntieL
    AuntieL Posts: 463 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    Happy New Year! Thank you @julicorn for keeping the thread running.

    I’m going to aim for £1000 this year. 
    #45 recording a January OP of £44
    Debt-free journey started August 2023. DF 02/09/2024 🥳 (except mortgage)
    January 2026 NSD Challenge 1/15

    MFW 2025 #45
    Jan 2016 Mortgage = £150,894 (23years 0months)
    Current outstanding = £92,396.89 (10years 4months))
    2024 Overpayment = £675.66
    2025 Overpayment = £710/£700
    2026 Overpayment = £44.43/ £1000
  • twinklie
    twinklie Posts: 5,232 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    #2 with an OP of £100 for January - so bang on target so far. Fingers crossed for the rest of the year. 
    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
  • SeekingFlight
    SeekingFlight Posts: 203 Forumite
    Tenth Anniversary 100 Posts Name Dropper
    #63 is off the mark with £1100 - put aside for overpayment 
    #19 Make £2026 in 2026 £0/£2026"Remember not to do too many things at once" said me to herself.Mortgage Free Wannabe #63 2026 OP £1100/£38,100
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