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The Mortgage Free Roll Of Honour
Welcome to the Mortgage-Free Roll of Honour. This is for Mortgage-Free Wannabees who are no longer Wannabees. Please report a. The date you decided to become a MFW b. Mortgage Debt at its highest c. Mortgage-Free Date d. Your one perl of wisdom. e. The MSE Mortgage guides and others that helped you f. And if you had a…
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Mortgage-Free Wannabe sticky
🏢 🏡 Here are some Forum threads you might find useful: * Mortgage-Free Wannabe Welcome and Explanation * The Mortgage Free Roll of Honour * 2023 Mortgage-Free Wannabes 🏢 🏡 And here's some relevant content from MoneySavingExpert.com: * Overpayment calculator * Should I overpay my mortgage? * Should you remortgage? * I'm a…
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Getting FIREd up 😀
After two years keeping calm and carrying on, now feels like the right time to move on and start getting FIREd up instead 😀 Summary of the last two years: Was working for a plc, decent money but putting in a lot of hours, very little support from the business and pretty fed up with always being sent out to do battle for…
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Investing in Us: Holidays, Health, and the Road to £150k
New diary for 2026 (I know I am a little early)! The last year has
been so up and down for me, I would like some fresh energy and a new
focus. If anyone is following me over from my old diary, then they
may know I moved house end of 2024 and upped my mortgage from a
comfortable sub 100k to approx £120k. Then this summer…
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Bricks Not Books
The first day of a New Year seems like the best time to start this diary! I was on this board under another name for a number of years, but I felt like a change of name as well as a change of diary, so here I am! Completed on new home with OH in December, we haven't even owned it for a month yet. But we have a mortgage of…
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Baby steps to mortgage freedom for beanielou.
My first thread on the MFW board!! My mortgage has 6 & 1/2 years left to run. My income seems to decrease more & more & it becomes more & and more of a challange to pay my hefty(to me) mortgage. I have managed an overpayment last month as I got some £££'s unexpectedly. My biggest fear is not being able to pay my mortgage &…
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julicorn's journey 3 - The House on the Hill
Hi all! Long time, no see, at least when it comes to the diaries (I still run the mortgage free challenges, of course). Where do I start? This is my third diary on here, the first talking about our initial mortgage pay off journey for Mr julicorn and my first flat (bought in 2017). If you have too much time on your hands,…
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2026 Mortgage-Free Wannabes
MFW 2026 - The annual challenge for everyone who would like to track their mortgage overpayments, mortgage payments, or even house-related savings. Feel free to join any time throughout the year. A very warm welcome to the Mortgage Free Wannabe 2026 thread! <3 Over the last few years, this challenge has been providing…
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Twinklies mortgage journey 2.0
New Beginnings So today is the start of our remortgage and as such I thought it would be nice to start a shiny new diary. Hopefully I can be reflective of the journey so far and make some new and focused goals. Just to bring anyone who doesn't know me up to speed. I am married, 2 kids, a dog, a house and an allotment.…
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Five Year Fix, Five Year Plan
I've not even got a mortgage yet, but here I go. I'm finally getting on the housing ladder and settling, after living around the country for the last decade. I've been in a position where "I'm just about to buy" for about 8 years for various reasons, so while I've not spent well, I could have saved better instead of…
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The final countdown to June 2026
After +15 years of lurking on the site l have finally decided to create a MFW diary of my own. A brief-ish history 2009 took out current mortgage a tracker with FD, +0.79% base rate, allows fee free unlimited overpayments, and crucially, withdrawals upto the original amount borrowed. Thanks to your inspiration, super low…
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From Frugal Foundations to Fortified Family Future
Good evening MFW'rs I hope there is a little space in diary land for me (Greying Pilgrim) to take up residency and chart our journey to mortgage freedom - albeit we're doing it a little back to front. The short story is, that we did own a home - Greying Towers - but 4 years ago we moved into rental accommodation with the…
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Thank god we paid the mortgage off
My previous diary was pulling my frugal pants on. I decided to start a new diary because, well because our new start that we had planned isn’t going to happen. So dad’s house sale finally went through and we’d decided that we would use my inheritance to offset OH dropping a day at work. Money would be tight but doable.…
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Dilemma, Dilemma, Dilemma
Hello, I've been on MSE for many moons, gone through debt repayment and many challenges but this one feels the absolute worst. I'm kind pre 'mortgage free wannabe' but also needing the comfort blanket of a good ole MSE diary. So current situation, co-parenting with Ex H. We both have partners and everything is friendly. We…
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Watty's Awakening
Time for a new diary I think. It is 2024, my last diary began over 10 years ago and so much has changed. My introduction in case we have not “met” My first diary told the story of, what I thought was a long and
happy relationship, paying off a mortgage aiming to get my financial freedom
from the world of work by paying off…
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Learning to walk before I run
Hello all! :) I am returning to the forum in an attempt to gain your collective wisdom in sorting out our dire finances. I've been experiencing a series of mini lightbulb moments of late and have realised that it's time for a change. Despite being vaguely savvy as regards areas of personal finance such as pensions, I have…
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Prosperous and Creative Soul Year 5
Close to 4 years ago I finalised my divorce and completed on my biggest ever mortgage - £202K and switched from interest only between 2 of us to repayment on my own. I took the term for as long as I could - so 22 years - which means I would be 73.5 by the time I was actually free. Then I owed c£1.5K on a 0% but had a £2K…
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Progress is...
Starting a Mortgage Free Diary!
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CrazyBee wants to be Mortgage Free!
This diary is going to be my typed up journey to mortgage
freedom. I begin a new job in the New Year and the mortgage roughly equates to
46K. I have projects that need doing around the flat such as flooring and
kitchen, I will be earning £1950 after tax per month roughly speaking and I
also will need a car fund soon.…
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"Isn't it nice to think that tomorrow is a new day with no mistakes in it."
So after lurking on other people's diaries for the last few years it's time to start my own. I'd almost paid off my mortgage 4 years ago when I decided to move to somewhere a lot bigger and a lot more expensive. It was also a project. So for the last few years there have been no overpayments as everything has gone into…
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Moving on up! 🏡
As of this week, I am mortgage free! Unfortunately, that won't be for long. I currently live with DH and our 3 dogs in a one bedroom semi-detached bungalow with no garden or parking. It's what I could afford on my own when I first moved in back in 2019, but now it's time for us to save and move up the ladder. Ideally, we…
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our forever patch challenge
well, this week sees the new start to my mortgage free plans. After 18 months clearing debts, then paying for our wedding, which took most of our hard earned savings, we are at the beginning again. Due to restructure at work, OH is on a reduced monthly pay, so the savings are even more of a challenge! Our plan is over the…
