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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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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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Knocking years off the mortgage…that’s the goal!
Good morning! So thought it was time I started a diary so I can keep track of progress we have made. Bought our home in 2019 with a £240000 mortgage. Consistently overpaid £100 a month for the last 4 years and now starting to tackle the mortgage seriously, we are able to overpay around £600 a month so we are clearing 2…
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Pay off mortgage and start having even more fun 😁
Finally after twelve years of part one of this diary it’s time for part two 😆 Heres part one, slightly lengthy now to say the least! https://forums.moneysavingexpert.com/discussion/2408201/pay-off-mortgage-and-start-having-fun/p1 So condensing 12 years into a few sentences…. I joined the mfw board in April 2010, with a…
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And now we go again...
...new diary title taken from the line I had already added in to my signature! Regulars will already recognise me - I've been here a while, although aside from one fairly short stint always on the DFW boards. A quick summary of our MSE history for those who have not stumbled across me before though - started out with a…
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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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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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Mortgage Free now aiming for FIRE
Time to start a new Diary. I have had my old one since Autumn 19 which is when I moved into my forever home after 4 years of renting in London. I am 52 and I live with my DG on the South Coast. I have a well paid job for my sector and was finally made permanent and full time in December 21. DG is self employed which she…
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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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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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Trying to pay off my mortgage early but facing a dilemma
Hi all, I need to make a decision and would like to share some thoughts about my current situation and see your feedback please. Wife and I signed up for a 35years joint mortgage 5 years ago and like many we would like to be mortgage free well before that date. We are with HSBC and we have a 10 % overpayment allowance per…
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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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Cheery's path to fulfilment - finishing the DIY, looking after myself, appreciating the garden 🌻
Hi all 😊 I'm Cheery 😊 By name and (usually 🙄) by nature. I've been around here for many years, taking in all the excellent wisdom and trying to use as much of it as possible 😊 We are two, Mr Cheery and I. We have been together for over 18 years 😮 We moved to the countryside six years ago, gained a large mortgage, and a…
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Steadily climbing the mountain, enjoying the view along the way
I have been pondering for a while stating a new thread, as at 700+ pages my old one is getting very long and doesn’t feel so aligned with where I am now. 2026 is going to be about getting myself to as healthy and happy a place as I can. Life is short and my inherent perfectionism means that I tend to want to achieve,…
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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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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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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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misstara's mortgage free diary
I've been kicking about dfw for years, firstly paying off debt, then saving a deposit and now am finally joining the mfw section of mse :smiley: We've just bought a wee 2 bedroom terraced house - missives were concluded last week, will sign all paperwork this week and get the keys next week. Thanks to an extremely generous…
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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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Mortgage free wannabe part 2
Hi, it’s been ages since I posted and I was very lucky to pay off my mortgage before covid. my house was 25 years old and needed a lot spending on it to make it energy efficient and modernise it so we decided to move instead as we just couldn’t change certain things we didn’t like) Unfortunately this meant getting a…
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Starting (again). My mortgage-free journey took a detour
I am re-stating a diary of sorts because I feel I am at a genuine fork in the road and this type of diary really helped me early on when I was just starting my MFW journey years ago. In summer 2025 I was around five to six years away from being mortgage free. That was based on regular overpayments and the possibility of…
