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  • FIRST POST
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 8:43 PM
    • 2,588Posts
    • 5,099Thanks
    VoucherMan
    2013 mfw
    • #1
    • 3rd Dec 12, 8:43 PM
    2013 mfw 3rd Dec 12 at 8:43 PM
    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.

    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.

    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 ); 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


    There is no cut off point for joining the thread and the challenge (except the 31st December 2013 ) 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 smallAlso, 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)

    Good luck to us all!
    Last edited by VoucherMan; 14-12-2013 at 6:11 AM.

Page 1
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 8:44 PM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    • #2
    • 3rd Dec 12, 8:44 PM
    • #2
    • 3rd Dec 12, 8:44 PM
    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

    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.
    Last edited by VoucherMan; 07-12-2012 at 6:22 PM. Reason: adding comment
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 8:44 PM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    • #3
    • 3rd Dec 12, 8:44 PM
    Everyone's (initial) Targets
    • #3
    • 3rd Dec 12, 8:44 PM
    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
    Last edited by VoucherMan; 29-09-2013 at 8:24 AM. Reason: Updating List
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 8:45 PM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    • #4
    • 3rd Dec 12, 8:45 PM
    Progress so far...
    • #4
    • 3rd Dec 12, 8:45 PM
    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
    Last edited by VoucherMan; 27-10-2013 at 3:58 PM. Reason: Updating...
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 9:11 PM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    • #5
    • 3rd Dec 12, 9:11 PM
    Mortgage free roll of honour
    • #5
    • 3rd Dec 12, 9:11 PM



    Last edited by VoucherMan; 31-12-2013 at 3:48 PM. Reason: updating...
    • elantan
    • By elantan 3rd Dec 12, 9:27 PM
    • 19,871 Posts
    • 53,346 Thanks
    elantan
    • #6
    • 3rd Dec 12, 9:27 PM
    • #6
    • 3rd Dec 12, 9:27 PM
    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"
    • froddington
    • By froddington 3rd Dec 12, 9:40 PM
    • 6,673 Posts
    • 94,139 Thanks
    froddington
    • #7
    • 3rd Dec 12, 9:40 PM
    • #7
    • 3rd Dec 12, 9:40 PM
    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
    • uzubairu
    • By uzubairu 3rd Dec 12, 9:42 PM
    • 1,172 Posts
    • 3,135 Thanks
    uzubairu
    • #8
    • 3rd Dec 12, 9:42 PM
    • #8
    • 3rd Dec 12, 9:42 PM
    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.
    • lemonpopsicle
    • By lemonpopsicle 3rd Dec 12, 9:48 PM
    • 652 Posts
    • 4,315 Thanks
    lemonpopsicle
    • #9
    • 3rd Dec 12, 9:48 PM
    • #9
    • 3rd Dec 12, 9:48 PM
    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
    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
    • VoucherMan
    • By VoucherMan 3rd Dec 12, 10:00 PM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    That's the first few challengers recorded.

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

    and

    19. uzubairu

    • black taxi
    • By black taxi 4th Dec 12, 4:11 AM
    • 1,810 Posts
    • 6,329 Thanks
    black taxi
    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 fund500
    #81 save 20184200
    • VoucherMan
    • By VoucherMan 4th Dec 12, 6:09 AM
    • 2,588 Posts
    • 5,099 Thanks
    VoucherMan
    A couple of new recruits overnight from the Google doc

    5. black taxi
    6. toerag33
    8. toerag33btl

    7. lisaof - It's too early to start recording payments but would you like to set a target?

    • lighthousescotland
    • By lighthousescotland 4th Dec 12, 6:16 AM
    • 107 Posts
    • 902 Thanks
    lighthousescotland
    OOOooo can I join too please. Any number is fine for me. My target is 2500. Hopefully I can do a little bit more but am sticking with this target for now. Thank you so much Voucherman for setting this all up for us. These threads make an amazing difference.
    MFW - number 11

    OP Target for 2014 1500 Mortgage now 43745
    • newgirly
    • By newgirly 4th Dec 12, 6:22 AM
    • 6,723 Posts
    • 46,661 Thanks
    newgirly
    Oooh, thanks so much for running this Pretty please could I join again and if possible keep my current number of 21 if its not too akward, thanks again, newgirly.
    MFW 21

    72,866.48 left target 10k/ 6,133.52 in 2019
    • twistedhazel
    • By twistedhazel 4th Dec 12, 6:34 AM
    • 215 Posts
    • 1,398 Thanks
    twistedhazel
    Good morning, please could I retain my no. from the last year - 102 - if that's possible? If not no problem. I'll have to have a think about numbers before declaring a target but I'm definitely in for 2013
    Thanks muchly
    Twistedhazel
    • Southernman
    • By Southernman 4th Dec 12, 6:55 AM
    • 587 Posts
    • 1,952 Thanks
    Southernman
    Hi my target for 2013 is 3750

    I don't mind which number i get!
    • Mint1955
    • By Mint1955 4th Dec 12, 7:12 AM
    • 663 Posts
    • 3,486 Thanks
    Mint1955
    Please could I stay at 108 as it took me all 2012 to remember it lol

    Target will be 6000

    Sheila
    • lulabelle1
    • By lulabelle1 4th Dec 12, 8:23 AM
    • 2,612 Posts
    • 16,845 Thanks
    lulabelle1
    Hi there - thanks for doing this!!

    If possible, please could I have number 9, if it's already taken, then could I please have my current spot which is 18?

    My target for 2013 is going to be 14,400...

    Thanks so much!!!
    • Mortgagefreeby50
    • By Mortgagefreeby50 4th Dec 12, 8:43 AM
    • 496 Posts
    • 1,903 Thanks
    Mortgagefreeby50
    Hello!

    Please can you put me down for 3060 overpayment target?

    Here is my diary:

    http://forums.moneysavingexpert.com/showthread.php?t=3646121

    I don't mind which number I get
    Slow progress is better than no progress.
    • rockabelle
    • By rockabelle 4th Dec 12, 10:08 AM
    • 80 Posts
    • 467 Thanks
    rockabelle
    Please can I join, and I don't mind what number I am.
    As for the amount, it's really difficult to guess this year, as I'm about to stop being paid, and then will only be going back to work part time and have nursery fees to pay. Not sure there'll be very much overpaying going on this year, so I'll start with a target of 5,000 please, which may be wildly ambitious......

    Thanks for doing this Voucherman - I find these threads so inspirational, and help keep me on track!

    Belle
    MFiT T3 no 115, MFW 2015 no 65
    April 2011 balance when mtg started 300,000
    March 16 2015 balance - 165,972
    MFiT T3 target 190,000 - REACHED!!!!
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