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2013 mfw

edited 14 December 2013 at 7:11AM in Mortgage-Free Wannabe
1.7K replies 91.8K views
VoucherManVoucherMan Forumite
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edited 14 December 2013 at 7:11AM in Mortgage-Free Wannabe
The 2014 thread can be found here :)


click here for easy updates click here to see how we're all doing

Welcome to the thread for everyone starting or continuing their MFW journey in 2013. :hello:

Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2012, and there will be those who want to start on their MFW journey - for all of us this is the place to be. :j

Please feel free to join our journey at any time - you can either:
  1. Complete the online form (please note it's not automatic, I update the spreadsheet when I get around to it :D); or
  2. send me a private message (PM); or
  3. reply to the thread (please give me a shout if it seems I've missed your post)
to be added to the list with your overpayment target for 2013 and then on a monthly basis your overpayment for the month and a year to date figure - including your MFW 2013 number please :D


There is no cut off point for joining the thread and the challenge (except the 31st December 2013 :rotfl: ) so if at any point this year you are ready to start working on becoming mortgage free please join us! Any overpayment (OP) target welcome no matter how small:money:Also, if you have a diary on MSE it can be linked to the Google.Doc if you want, just let me have the link.

To see our previous successes, please see the 2012 MFW challenge, 2011 MFW challenge, 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised (along with this text from previous challenges) :T

Good luck to us all!
«134567171

Replies

  • edited 7 December 2012 at 7:22PM
    VoucherManVoucherMan Forumite
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    edited 7 December 2012 at 7:22PM
    Temporary (maybe permanent, not sure yet) change of management.

    Spiggle's busy at the moment so has asked me to launch the 2013 MFW.

    Not sure if she will be taking over or helping out in the future but for now you're stuck with me :D

    If anyone would like to keep their 2012 MFW number, or would like a specific number please let me know. Otherwise it's first come, first served.

    The list in post #3 shows which numbers are taken / available.



    One or two small changes on last year's chart.

    Please let me know if you'd like a link to your MFW diary adding.

    I've also added some coloured 'progress bars' - green = on target, red = falling behind. Unfortunately I couldn't think of any suitable comments to add so any suggestions welcome.


    While I'm happy to keep the chart updated you're not likely to get much comment from me, so hopefully Spiggle will continue with some of her encouraging chat even if she doesn't return to take over the updates.


    Also please note that your target (in the right hand column) will not show up next to your name until your first op has been recorded.
  • edited 29 September 2013 at 8:24AM
    VoucherManVoucherMan Forumite
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    Part of the Furniture 1,000 Posts Name Dropper
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    edited 29 September 2013 at 8:24AM
    Overpayment Target
    1. Spiggle £8400
    2. elantan £2000
    3. froddington £4000
    4. lemonpopsicle £2500
    5. black taxi £7000
    6. toerag33 £1500
    7. kirstypark £12000
    8. toerag33btl £6000
    9. lulabelle1 £16800
    10. Southernman £3750
    11. lighthousescotland £2500
    12. tattycath £3500
    13. Mortgagefreeby50 £3060
    14. rockabelle £5000
    15. elliejay £4000
    16. icklehelen £5250
    17. saver03 £1800
    18. ecoelle £1620
    19. uzubairu £13200
    20. theyorkbrood £2500
    21. newgirly £10733
    22. sarahevie £9700
    23. muddywhitechicken £7500
    24. catslovelycats £10000
    25. Skittle £5000
    26. pammyj74 £6000
    27. QB Wolf £10000
    28. mrsyallop £4200
    29. Needhelpsaving £750
    30. kandfs mam £6000
    31. mothershipton £6000
    32. Lomcevak £5988
    33. ictquizzer £5000
    34. My life £20000
    35. greent £10000
    36. LavenderBees £10000
    37. endoftherainbow £5000
    38. OS QS £9000
    39. chocoholic_chick £2000
    40. Happy Ju £4000
    41. JCL £10000
    42. cats2012 £2000
    43. slowlyfading £7000
    44. bownyboy £12500
    45. pollyanna24 £26000
    46. pavlovs_dog £2000
    47. evi3000 £41657.47
    48. gallygirl £30721
    49. Jackies £6000
    50. ElusiveLucy £6000
    51. jaywhoopee £4500
    52. Dithering Dormouse £12000
    53. Tilly MFW in 6 YRS £35000
    54. rachelww1 £6000
    55. BaconandEggs £7900
    56. Mortgage Reduction Novice £800
    57. Barny1979 £5000
    58. Gadfium £6000
    59. illgetthroughthis £12000
    60. sillyinthepast £5000
    61. my definition £2000
    62. liz-paul £10000
    63. VoucherMan £3000
    64. UnionGirl £1500
    65. rainbowcattail £2000
    66. *Jellie* £12000
    67. Anna Glypta £10000
    68. skaps £5000
    69. rubyd £4000
    70. ajmoney £3000
    71. Retire at 50 £10000
    72. hannahnightmare £4000
    73. PaddyPaws £1200
    74. glitterball £6000
    75. Calfuray £1200
    76. CathT £2500
    77. Sue Donim NOT YET DECLARED
    78. AvidSaver £3200
    79. pawlala £71000
    80. lincoln-potter £16000
    81. fluffysox £10000
    82. Kaz2904 £6316.14
    83. marinia75 £10000
    84. Poppycat1 £10000
    85. hildosaver £6000
    86. NPowerUser £16831.7
    87. house_help £6000
    88. Tony_R £7500
    89. darcyboo £1500
    90. blackberrycurved £10000
    91. foxblade £5000
    92. icontinuetodream £16000
    93. everach £500
    94. LauraJo £56900
    95. rd07 £12000
    96. NellieB £4200
    97. kansaskitty £3300
    98. wonderbee £3000
    99. wilsons £1200
    100. mortgage destroyer £5000
    101. Kel £15000
    102. twistedhazel £5500
    103. Dot Common £10000
    104. kitjos £8000
    105. happysocks £2516.76
    106. southportguy £30000
    107. Matt The Chippy £10000
    108. Mint1955 £6000
    109. kate1979 £1000
    110. jo101 £800
    111. Caeraugirl £6000
    112. moomi £1200
    113. mamamags £3000
    114. Thrifty Pixie £6000
    115. Jolaaled £10000
    116. blizeH £6000
    117. cianalas £10000
    118. katiegizmo £1000
    119. kmcld2 £4020
    120. MoneyMission £1200
    121. Flutteringby £5000
    122. thriftyscotslass £6000
    123. Sundaysgirl £5000
    124. iquit £4500
    125. narnie1 £5000
    126. dave j £6956.24
    127. Marie27lol £3000
    128. TwinnyD £4200
    129. freddykrueger £5000
    130. addyboy1982 £3000
    131. Funkygibbon £3000
    132. kbl £1600
    133. ixia £4500
    134. Jo4nne £1000
    135. Time to face the music £4000
    136. nicolula87 £1200
    137. Kerfuffle £6000
    138. snappybadger £16000
    139. Farel01 £1200
    140. FacelessNumber £840
    141. leunger £4000
    142. pixiedust09 £1000
    143. Ruthy1604 £3800
    144. southerndave £1341
    145. SpottyKnickers £1000
    146. emmita £6000
    199. stewby £176.7
  • edited 27 October 2013 at 4:58PM
    VoucherManVoucherMan Forumite
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    edited 27 October 2013 at 4:58PM
    Overpayment Target / October Total / Year to date
    1. Spiggle £8400 / £ / £1496
    2. elantan £6000 / £500 / £5355
    3. froddington £4500 / £ / £4000
    4. lemonpopsicle £2500 / £ / £2500
    5. black taxi £10000 / £905 / £10305
    6. toerag33 £10000 / £ / £9350
    7. kirstypark £14000 / £1449.46 / £11243.82
    8. toerag33btl £6000 / £ / £5898
    9. lulabelle1 £16800 / £ / £16800.8
    10. Southernman £3000 / £170 / £2665.23
    11. lighthousescotland £2500 / £150 / £2400
    12. tattycath £3500 / £ / £942.9
    13. Mortgagefreeby50 £1880 / £ / £1534
    14. rockabelle £5000 / £ / £3800
    15. elliejay £6000 / £ / £4500
    16. icklehelen £3000 / £62.25 / £2674.9
    17. saver03 £900 / £ / £900
    18. ecoelle £1620 / £125 / £1295
    19. uzubairu £8500 / £ / £8400
    20. theyorkbrood £2500 / £214.69 / £2063.6
    21. newgirly £9770 / £ / £4637.22
    22. sarahevie £9700 / £ / £5000
    23. muddywhitechicken £15000 / £1000 / £18790
    24. catslovelycats £10000 / £ / £2100
    25. Skittle £5000 / £ / £40
    26. pammyj74 £6000 / £365 / £6088
    27. QB Wolf £10000 / £ / £4625
    28. mrsyallop £4200 / £ / £1934
    29. Needhelpsaving £1000 / £200 / £1133.8
    30. kandfs mam £6000 / £ / £3633.32
    31. mothershipton £6000 / £ / £13500
    32. Lomcevak £5988 / £565 / £5065
    33. ictquizzer £5000 / £ / £1500
    34. My life £20000 / £ / £16600
    35. greent £10000 / £ / £8991
    36. LavenderBees £10000 / £ / £5714
    37. endoftherainbow £12000 / £87.04 / £871.39
    38. OS QS £10000 / £ / £3333.35
    39. chocoholic_chick £1100 / £460 / £720
    40. Happy Ju £ / £ / £0
    41. JCL £10000 / £1360 / £7294
    42. cats2012 £ / £ / £0
    43. slowlyfading £7000 / £ / £5404.12
    44. bownyboy £12500 / £499 / £11633
    45. pollyanna24 £26000 / £ / £21500
    46. pavlovs_dog £2000 / £ / £1347
    47. evi3000 £41657.47 / £ / £29779.97
    48. gallygirl £30721 / £2185 / £21569
    49. Jackies £6000 / £ / £4995
    50. ElusiveLucy £6000 / £500 / £5000
    51. jaywhoopee £5000 / £407.74 / £4347.43
    52. Dithering Dormouse £12000 / £ / £7725
    53. Tilly MFW in 6 YRS £35000 / £ / £16500
    54. rachelww1 £6000 / £ / £3500
    55. BaconandEggs £7900 / £ / £7900
    56. Mortgage Reduction Novice £ / £ / £0
    57. Barny1979 £5000 / £ / £2110.54
    58. Gadfium £16000 / £500 / £15500
    59. illgetthroughthis £ / £ / £0
    60. sillyinthepast £ / £ / £0
    61. my definition £ / £ / £0
    62. liz-paul £10000 / £800 / £8400
    63. VoucherMan £3000 / £220 / £2160
    64. UnionGirl £1500 / £125 / £1250
    65. rainbowcattail £8000 / £920 / £6505
    66. *Jellie* £ / £ / £0
    67. Anna Glypta £16000 / £ / £11000
    68. skaps £5000 / £214.69 / £5095.63
    69. rubyd £4000 / £ / £200
    70. ajmoney £2000 / £143.75 / £2043.75
    71. Retire at 50 £10000 / £3265.1 / £7851.9
    72. hannahnightmare £4000 / £ / £2000
    73. PaddyPaws £3000 / £ / £2648.37
    74. glitterball £6000 / £ / £4000
    75. Calfuray £2200 / £324.76 / £1950.85
    76. CathT £2500 / £ / £742
    77. Sue Donim £ / £ / £0
    78. AvidSaver £3200 / £ / £1703
    79. pawlala £71000 / £ / £51134.05
    80. lincoln-potter £19000 / £ / £19000
    81. fluffysox £10000 / £458.54 / £9458.54
    82. Kaz2904 £6316.14 / £ / £6316.14
    83. marinia75 £10000 / £1000 / £5972.42
    84. Poppycat1 £11500 / £ / £2800
    85. hildosaver £6000 / £ / £11350
    86. NPowerUser £15587.2 / £2755.5 / £15587.2
    87. house_help £6000 / £ / £2000
    88. Tony_R £7500 / £811 / £6589
    89. darcyboo £3750 / £ / £3125
    90. blackberrycurved £ / £ / £0
    91. foxblade £5000 / £ / £520
    92. icontinuetodream £16000 / £1310 / £12925.4
    93. everach £500 / £ / £135
    94. LauraJo £56900 / £ / £19300
    95. rd07 £12000 / £ / £10000
    96. NellieB £4200 / £350 / £4000
    97. kansaskitty £3300 / £367.94 / £1567.94
    98. wonderbee £ / £ / £0
    99. wilsons £1200 / £ / £150
    100. mortgage destroyer £5000 / £ / £3450
    101. Kel £ / £ / £0
    102. twistedhazel £5500 / £716 / £5627
    103. Dot Common £10000 / £ / £1670
    104. kitjos £6000 / £ / £2380
    105. happysocks £2516.76 / £ / £1887.57
    106. southportguy £45000 / £13797 / £53642
    107. Matt The Chippy £13000 / £ / £7095.27
    108. Mint1955 £6000 / £ / £4500
    109. kate1979 £1000 / £ / £590
    110. jo101 £800 / £ / £50
    111. Caeraugirl £9000 / £125 / £5850
    112. moomi £1200 / £ / £189.65
    113. mamamags £3000 / £ / £1195
    114. Thrifty Pixie £4000 / £ / £3243.12
    115. Jolaaled £13000 / £ / £7250
    116. blizeH £ / £ / £0
    117. cianalas £10000 / £ / £7987
    118. katiegizmo £1000 / £ / £424.41
    119. kmcld2 £4020 / £ / £155
    120. MoneyMission £1200 / £ / £1629
    121. Flutteringby £ / £ / £0
    122. thriftyscotslass £6000 / £ / £1900
    123. Sundaysgirl £9900 / £1150 / £8000
    124. iquit £4500 / £ / £2598.46
    125. narnie1 £5000 / £ / £600
    126. dave j £6956.24 / £ / £3897.37
    127. Marie27lol £3000 / £140 / £2340
    128. TwinnyD £4200 / £ / £73431.82
    129. freddykrueger £5000 / £751 / £4204
    130. addyboy1982 £3000 / £ / £500
    131. Funkygibbon £3000 / £ / £2000
    132. kbl £1600 / £ / £447.4
    133. ixia £4500 / £500 / £2000
    134. Jo4nne £1000 / £ / £212
    135. Time to face the music £7000 / £79.59 / £6112.14
    136. nicolula87 £1200 / £ / £359.61
    137. Kerfuffle £6000 / £ / £2374.1
    138. snappybadger £16000 / £ / £13001
    139. Farel01 £1200 / £ / £50
    140. FacelessNumber £840 / £ / £393.2
    141. leunger £4000 / £ / £465
    142. pixiedust09 £1000 / £ / £100
    143. Ruthy1604 £3800 / £ / £1895.51
    144. southerndave £1341 / £ / £590
    145. SpottyKnickers £1000 / £171.77 / £171.77
    146. emmita £6000 / £200.58 / £3357.63
  • edited 31 December 2013 at 4:48PM
    VoucherManVoucherMan Forumite
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    edited 31 December 2013 at 4:48PM

    ktmllnep.jpg
  • elantanelantan Forumite
    20.5K posts
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    Oooooo thanks for doing this, I have joined previously and made some headway, then as usual life got in the way, sp for 2013 I would like a more conservative attempt, so can I join with the plan Ifi repaying by £2,000 in 2013 please ?
    march 2011-july2019 8 years and 4 months ... or 100 months and counting
    "what would you do if you knew you couldn't fail.... enjoy the adventure" " to my own self be true"
  • Important update! We have recently reviewed and updated our Forum Rules and FAQs. Please take the time to familiarise yourself with the latest version.
  • froddingtonfroddington Forumite
    6.7K posts
    Part of the Furniture 1,000 Posts Combo Breaker
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    Thanks for doing this VoucherMan - I'll be in again for next year.

    I'm No. 103 at the moment, but will be happy with any number!

    I think my aim will be £4000 OP in 2013 but that may change as I am planning to move house!
    "There's only one way of life and that's your own" - Levellers

    "I'm feeling like a Monday but someday I'll be Saturday night" - Bon Jovi
  • uzubairuuzubairu Forumite
    1.2K posts
    Part of the Furniture 1,000 Posts Combo Breaker Home Insurance Hacker!
    ✭✭✭
    It's that time again.
    Thanks Voucherman.

    My target is to:- Completely clear our £13,200 mortgage.
    I reckon that the mortgage will be around that figure at the end of this month. I will fine tune nearer the time.

    Please can I have No: 19 again (I think it brings me luck), as it's my number in MFiT-T3 challenge.
  • Can I have a number please? I hope to overpay by £2.5 k in 2013 on a £31k mortgage.
    Life's little instructions- Treat everyone you meet like you want to be treated..Watch a sunrise at least once a year..Strive for excellence not perfection:j
    £2 SC no.70 £140/£350
    SPC no.73 SPC9 £248 SPC10 target £250
    DFBX12 No. 069 £7719 / £7719 DEBT FREE 30/11/12
    2013 mfw No.4 MORTGAGE FREE 5/8/13
  • VoucherManVoucherMan Forumite
    2.7K posts
    Part of the Furniture 1,000 Posts Name Dropper
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    That's the first few challengers recorded.

    1. I've reserved for Spiggle
    2. elantan
    3. froddington
    4. lemonpopsicle

    and

    19. uzubairu
  • black_taxi_2black_taxi_2 Forumite
    1.8K posts
    Debt-free and Proud! Mortgage-free Glee!
    ✭✭✭
    thx VoucherMan

    just saw thread

    put me down as 5.
    £48515 interest £181 (2009)debt/mortgage-MFIT/T2/T3
    debt/mortgage free 28/11/14
    vanguard shares index isa £1000
    credit union £400
    emergency fund£500
    #81 save 2018£4200
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