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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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One step at a time
2024 has been a big (and expensive) year. I got married! We also moved into our ‘forever home’. Weddings and moving house are so expensive, and I am now looking towards getting a hold on our finances in 2025. I have been on the MSE forum for years, and contributed to some threads particularly on the old style moneysaving…
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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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Progress is...
Starting a Mortgage Free Diary!
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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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Should I overpay or save?
Not sure if this should be here or the general mortgages board?? Hi all, interested to know what you would do if you were me. Mortgage is £53400 left, current deal is 1.29% (£335pm) fixed until October 2026. There will be 14 years left in October. I could probably overpay between £100pm and £200pm. Would this make sense,…
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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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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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"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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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…
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Light the fire...
Hi All :wave: After lurking for a few years and having been inspired by lots of the amazing stories on this board I have decided that its time to join in and post my (our) journey. I am a mum of two (DD is 8, DS is 3) and have been married to my lovely DH for 10 years. We moved into our current house 4 years ago. We paid…
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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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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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Halving our income and still aiming for mortgage free!
Hi everyone, A long time lurker of DFW forum, and then here. Finally starting my own diary as I feel it will help keep me on track! As the title suggests we are halving our income as I have resigned my job in order to keep sane and support DD with home educating for the next year. The last two years we have managed to…
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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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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…
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Where to focus - mortgage, renovations etc?
Hello, My partner and I bought our first home together last year (we're late 30s, and both had homes of our own before). The mortgage is high, but it's a forever home and we also only put down a 15% deposit so as to keep some cash back for renovations. Although we have a lot in savings, we've found the cost of materials,…
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The Piano Diary
Good morning diary and all, I recently became debt free after 31 months of debtbusting over on Debt Free Wannabe, following the advice and diaries on this site. Here is my previous diary My debt free diary I have found keeping a diary really helpful in staying focused and also therapeutic being able to think things through…
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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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Mortgage Free Plod
Hello MFWs I'm de-lurking after living vicariously through you all for a very long time. I've exchanged on my first house today! So now I'm a MFW too. My context: I'm a divorced, single mum (1DS). We'll be moving into a little 2-bed house with our moggy. I've taken out a 95% repayment mortgage over 27 years, which takes me…
