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  • FIRST POST
    • Lomcevak
    • By Lomcevak 14th Dec 14, 7:17 AM
    • 807Posts
    • 4,733Thanks
    Lomcevak
    2015 mfw
    • #1
    • 14th Dec 14, 7:17 AM
    2015 mfw 14th Dec 14 at 7:17 AM
    Welcome to the Mortgage Free Wannabe thread for 2015

    This thread is for anybody on the journey to mortgage freedom to set targets and report progress during 2015, whether you're a brand new mortgage free wannabe or on the final stretch of the long slog. The challenge runs until 31st December 2015, and you can join or change your target at any time up until that point.

    Links to previous challenges are here
    To join, please post on the thread and i'll allocate you a number - if you want to keep your number from this year then let me know, I won't start allocating numbers for a few days yet. After that, it will be first come, first served. Then to provide updates or change your target, just post on the thread or fill in the form here.

    Update 26/08: the form doesn't seem to work well for me, most of the time I just see a blank spreadsheet although occasionally it seems to work, so i'd prefer updates via the thread if possible. If i've missed out an update you submitted via the form then please let me know


    A few requests from me to make keeping track easier:

    • When providing updates, please include your MFW2015 number and the month you are updating (this is hopefully required on the form).
    • Multiple overpayments in a month are fine, but it will really help me if you keep a running total when reporting updates (e.g. ...another OP of 200, which makes 600 in total for April...)
    • It's fine to miss a month or two and then provide updates for several months in one go, but please make it clear what you want allocating where.
    Updates on the thread can be as long or short as you like

    I'll try and update the spreadsheet weekly, although I juggle very busy work and family lives so may occasionally be gone for longer. I will 'thank' your post when I've updated the spreadsheet, so you can see that it's been added. And I'm bound to make the occasional mistake, so if I've missed your update then just let me know on the thread or PM me.

    See how we are all doing on the big MFW 2015 spreadsheet here

    List of 2015 MFW numbers, participants and targets: (last updated 06/09/15)

    1 apple muncher 13,000
    2 clippy_girl 3,500
    3 froddington 3,000
    4 jodles16 4,070
    5 clarew 2,500
    6 haras_nosirrah 10,000
    7 Cream Tea 4,800
    8 ecoelle 1,200
    9 ourcornercottage 5,000
    10 Maybe_its_because 6,500
    11 Wirenth 8,880
    12 Lomcevak 15,000
    13 VoucherMan 8,000
    14 amycool 6,000
    15 mfwin2019 16,000
    16 Vinnybro1988 5,000
    17 ang4k 2,000
    18 elantan 2,000
    19 Longley09 3,600
    20 theyorkbrood 3,600
    21 newgirly 20,000
    22 Miss money penny 5,200
    23 muddywhitechicken 15,000
    24 choccielover 2,500
    25 Scale Rule 3,000
    26 Southernman 2,500
    27 PiggyBankShaker 11,000
    28 MortgageFreeMimi 30,000
    29 couponchaos 11,000
    30 flyingmamma 15,000
    31 FacelessNumber 3,000
    32 laura_hoggle 4,500
    33 jeepjunkie 6,500
    34 gallygirl 18,000
    35 greent 12,138
    36 pinkteapot 15,000
    37 MiffyMFW 7,150
    38 usa1 40,000
    39 sillyinthepast 2,500
    40 Crumpets 3,000
    41 JCL 20,515
    42 Danny5 8,000
    43 utopiah 8,000
    44 jmf76 1,200
    45 lauraw82 3,000
    46 Debtfreefreedom 2,400
    47 Wombatchops 2,000
    48 Newme2014 5,000
    49 PopcootMFW 4,000
    50 ElusiveLucy 6,000
    51 kirstypark 10,000
    52 Open 8,000
    53 PrincessLou 5,797
    54 Beckyy 2,500
    55 runninglea 17,068
    56 norfolkdream 4,000
    57 Shepherds Wife 10,900
    58 Allium 1,800
    59 Pocket9s 12,000
    60 Niknak77 2,000
    61 ScaryGreen 7,838
    62 beanielou 450
    63 pathtofreedom 3,000
    64 UnionGirl 1,500
    65 rockabelle 10,000
    66 grastgirl 4,800
    67 jenni_fer 5,000
    68 skaps 8,500
    69 pavlovs_dog 3,000
    70 ajmoney 2,800
    71 velocity_girl 2,500
    72 hannahnightmare 2,000
    73 PaddyPaws 1,000
    74 fluffysox 4,000
    75 Calfuray 3,000
    76 shangaijimmy 6,500
    77 mortgage_girl 11,000
    78 mrsninja 2,640
    79 engineer amy 6,000
    80 catslovelycats 9,000
    81 Emma285 1,000
    82 girl afraid 1,000
    83 Yorkielass 12,000
    84 LurkinGerkin 5,000
    85 TwentySomethingGirl 1,200
    86 Upsy Staffordshire 3,500
    87 StrawberryJam132 4,000
    88 Tony_R 3,500
    89 diamondsonly 15,000
    90 darcyboo 4,000
    91 cookie9 4,000
    92 icontinuetodream 1,000
    93 Chutney86 1,600
    94 lilahloo 2,000
    95 rd07 5,000
    96 sorryitsme 1,200
    97 Durban 1,500
    98 Matterhorn 5,000
    99 saver03 1,100
    100 mortgage destroyer 18,500
    101 zebedy 5,000
    102 twistedhazel 10,000
    103 WouldLoveToOwnAFarm 1,200
    104 kitjos 8,000
    105 anna42hmr 7,000
    106 chocoholic_chick 6,000
    107 hildosaver 6,000
    108 purplevamp 5,000
    109 Deadbeat 28,413
    110 Bluefire 9,560
    111 Caeraugirl 2,900
    112 easylife73 1,000
    113 sarahevie1 22,000
    114 Freysmum 6,000
    115 Tahlullah 2,000
    116 Luckyinlife 5,000
    117 Stereochild 2,000
    118 Hazz 6,000
    119 selloptape 650
    120 sweepster 7,000
    123 Sundaysgirl 20,000
    127 Marie27lol 3,800
    128 Flower of scotland 6,000
    132 kbl 4,000
    134 Chops23 5,000
    137 Kerfuffle 10,000
    148 NewMoneySaver13 4,750
    Last edited by Lomcevak; 06-09-2015 at 6:27 AM. Reason: update list
    MFiT-T5#6, 50k to zero: 19,912/49,907 (39.90%), 2019 MFW#8 28,972/40,000 (72.43%)
    60k-in-19#6 35,952.48/60,000 (59.92%)
Page 1
    • Lomcevak
    • By Lomcevak 14th Dec 14, 7:18 AM
    • 807 Posts
    • 4,733 Thanks
    Lomcevak
    • #2
    • 14th Dec 14, 7:18 AM
    • #2
    • 14th Dec 14, 7:18 AM
    <this post currently intentionally blank>
    MFiT-T5#6, 50k to zero: 19,912/49,907 (39.90%), 2019 MFW#8 28,972/40,000 (72.43%)
    60k-in-19#6 35,952.48/60,000 (59.92%)
    • muddywhitechicken
    • By muddywhitechicken 14th Dec 14, 8:02 AM
    • 3,922 Posts
    • 36,058 Thanks
    muddywhitechicken
    • #3
    • 14th Dec 14, 8:02 AM
    • #3
    • 14th Dec 14, 8:02 AM
    Thanks Lomcevak

    My target for 2015 is 15,000

    MWC
    No. 23 again please
    Mortgage at highest (April 2008): ~195,000
    Outstanding balance: <29,500
    Current total overpayments: ~128,750
    • apple muncher
    • By apple muncher 14th Dec 14, 8:05 AM
    • 8,815 Posts
    • 67,851 Thanks
    apple muncher
    • #4
    • 14th Dec 14, 8:05 AM
    • #4
    • 14th Dec 14, 8:05 AM
    Thank you for running this. I'd like to join again with a target of 13,000. Any number will do.

    Many thanks

    apple
    NST May merriment #1; NSD 12/16; Ex 24/20; craft 7 (12); remove bagfuls 5 (21)

    Mortgage 16,231 (01/14: 78,201; 01/15: 59,629; 01/16: 39,915; 01/17: 27,295; 01/18 23,143; 01/19: 18.275) MFWDate???
    • clippy_girl
    • By clippy_girl 14th Dec 14, 8:08 AM
    • 2,281 Posts
    • 8,931 Thanks
    clippy_girl
    • #5
    • 14th Dec 14, 8:08 AM
    • #5
    • 14th Dec 14, 8:08 AM
    Hello

    Newbie here. I would like to aim for 3500 but hopefully more if I can boost my income!
    • Caeraugirl
    • By Caeraugirl 14th Dec 14, 8:16 AM
    • 295 Posts
    • 2,402 Thanks
    Caeraugirl
    • #6
    • 14th Dec 14, 8:16 AM
    • #6
    • 14th Dec 14, 8:16 AM
    Thanks for taking over the reigns Lomcevak, I'd like to join again and my target is 12000. May need adjusting if career change plans come off, but no harm in aiming high to start...

    I'm #111 and would like to keep it if possible, but not too precious about it if not.
    • Flower of scotland
    • By Flower of scotland 14th Dec 14, 8:52 AM
    • 34 Posts
    • 190 Thanks
    Flower of scotland
    • #7
    • 14th Dec 14, 8:52 AM
    • #7
    • 14th Dec 14, 8:52 AM
    Hi I am going to aim for 6000 again this year. Got a few things needing done to the house which will make this a difficult year (again) but I find being part of this thread really pushes me so thank you!

    I was number 128 last year and would like to keep it if possible.
    Thanks again.
    • Lomcevak
    • By Lomcevak 14th Dec 14, 8:53 AM
    • 807 Posts
    • 4,733 Thanks
    Lomcevak
    • #8
    • 14th Dec 14, 8:53 AM
    • #8
    • 14th Dec 14, 8:53 AM
    Some impressive targets already

    I'm going for 6000 again, and will keep #12 for next year
    MFiT-T5#6, 50k to zero: 19,912/49,907 (39.90%), 2019 MFW#8 28,972/40,000 (72.43%)
    60k-in-19#6 35,952.48/60,000 (59.92%)
    • Upsy Staffordshire
    • By Upsy Staffordshire 14th Dec 14, 8:59 AM
    • 374 Posts
    • 3,791 Thanks
    Upsy Staffordshire
    • #9
    • 14th Dec 14, 8:59 AM
    • #9
    • 14th Dec 14, 8:59 AM
    Thanks for starting the thread Lomcevak. I'm #86 and would like to set my target as 3,500 again please. Hopefully I can make it this time!

    Wishing everyone lots of luck.
    Thank you to everyone who posts on here
    • jodles16
    • By jodles16 14th Dec 14, 9:08 AM
    • 1,439 Posts
    • 4,357 Thanks
    jodles16
    Hello and thanks for starting this thread! I am still relatively new and am aiming for 2640 in overpayments this year (very specific as its a set overpayment of 220). Really hoping it will be more but we will see!

    Jodles
    MFW2017 #29 1200.24/4524
    MFiT #66
    Overall aim 10,124.20/21,743 (156,000)
    2016- Jan-177,472, Apr-173,195.04, July- 171,417.47 Oct- 169,366
    2017- Jan- 167,347.80 Apr- July- Oct-

    • clarew
    • By clarew 14th Dec 14, 9:29 AM
    • 493 Posts
    • 420 Thanks
    clarew
    Hi I have always lurked but am going to raise my head above the pulpit and aim for 2500 op in 2015.

    (hopefully a regular op of 206 a month plus the difference to make it a rounded figure!) would love to add more in dribs and drabs but 206 alone is a big amount for us given our circumstances.

    Many thanks lomcevak for your work in starting this.

    Clarew
    Original mortgage 185k. 2003
    Current mortgage. 74k Feb 2019
    OP 243/month-Aiming to finish August 2025 instead of October 2028 (whilst keeping the 4 dependents fed,watered,clothed,sheltered and paying for school paraphernalia)
    • froddington
    • By froddington 14th Dec 14, 11:13 AM
    • 6,674 Posts
    • 94,142 Thanks
    froddington
    Thank you for taking over for 2015 Lomcevak

    Would like to keep No. 3 please and my target will be 3000.
    "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
    • twistedhazel
    • By twistedhazel 14th Dec 14, 11:59 AM
    • 215 Posts
    • 1,398 Thanks
    twistedhazel
    Thank you for running this for 2015. Please could I keep no 102, with an initial target of 10000 to o/p. I haven't really done budgets for next year so may change it but it seems a nice round no to start with.

    Thanks
    • skaps
    • By skaps 14th Dec 14, 2:15 PM
    • 2,253 Posts
    • 10,189 Thanks
    skaps
    Thanks for running this again. Please can I set my target at GBP 8500 and keep my number.
    THANKS
    MFW 2016 No 68 1300/8500 No new toiletries Cook sth different
    • ang4k
    • By ang4k 14th Dec 14, 2:29 PM
    • 60 Posts
    • 369 Thanks
    ang4k
    I would like to join and have a target of 1000 this year. My number is 17 and I would like that again if I can please. Thank you lomcevak.
    MFiT-T4- reduce mortgage from 61000 to 40000
    2018 MFW no 17 : 8000/10100.00. 2019 MFW no 17: 2150/8000
    MFIT-T5-completely clear my 35000.00 mortgage
    • kitjos
    • By kitjos 14th Dec 14, 3:19 PM
    • 200 Posts
    • 1,173 Thanks
    kitjos
    Thanks for setting up a 2015 thread .


    I'd love to join again - was great motivation for 2014.


    My target is 5000 and would like to keep my number 104 (if possible)




    Thank you x
    "Don't underestimate the value of financial security"


    Wanting to be mortgage comfortable. 155,000 start / 97,900 currently / 50,000 goal

    Loan to be paid off asap. 16,220 start / 15,400 currently / 0 goal
    • PaddyPaws
    • By PaddyPaws 14th Dec 14, 4:20 PM
    • 264 Posts
    • 3,019 Thanks
    PaddyPaws
    Thank you for taking this on Lomcevak

    Please may I have #73 again

    Lower target for 2015 of 1,000, this may be revised after we've reviewed our budget at the end of Dec

    thank you
    PP

    • haras_nosirrah
    • By haras_nosirrah 14th Dec 14, 6:39 PM
    • 1,757 Posts
    • 3,033 Thanks
    haras_nosirrah
    New mortgage free wannabe here.

    I would like to set a target of 10,000 for this year
    • Cream Tea
    • By Cream Tea 14th Dec 14, 7:04 PM
    • 416 Posts
    • 1,985 Thanks
    Cream Tea
    Hi, newbie here. Any number for me please. I hope to overpay 6000 in 2015.
    Thank you
    Mortgage 269,000 258,987 / MF date June'49 June'49
    Debt 24,990 / Debt Free Est. May'21

    Updated 06/05/18
    • theyorkbrood
    • By theyorkbrood 14th Dec 14, 7:27 PM
    • 83 Posts
    • 617 Thanks
    theyorkbrood
    Yeah ... 2015 mfw ... can I join again please???
    If possible No 20 aiming for 3600
    Many thanks
    Dec 2011 101,000
    March 2013 - 90,000 (ish) April 2013 - in the 80's
    June 2014 - in the 70's
    July 2015 - will be in the 60's
    Original end date - December 2026 We're getting there
    Hoping for - asap
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