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  • FIRST POST
    • trix-a-belle
    • By trix-a-belle 7th Dec 15, 10:32 PM
    • 823Posts
    • 3,515Thanks
    trix-a-belle
    The Mortgage Free in Three - Take 4 challenge (MFiT-T4)
    • #1
    • 7th Dec 15, 10:32 PM
    The Mortgage Free in Three - Take 4 challenge (MFiT-T4) 7th Dec 15 at 10:32 PM
    Read our Mortgage Guides for fully researched, up to date help on cutting your mortgage

    If you haven!!!8217;t already, join the forum to join the challenge. If you aren!!!8217;t sure how it all works, view our New to Forum? Intro Guide.


    The Mortgage Free in Three - Take 4 challenge (MFiT-T4)

    First I must give a huge thank you to Financial Bliss who ran T3, he is a great inspiration to many having reached mortgage free status in T2, I wish to continue this legacy.

    This is a the fourth in a series of three year mortgage challenges on this MFW board. Anyone who has joined a previous challenge should be aware of the format and timescales. If not see the next few posts below.

    This fourth challenge runs from January 2016 to January 2019 and is open to anyone who wants to devote the next three years to greatly reduce or completely pay off their mortgage, or build up a pot of savings.

    Below is a list of the challengers who have signed up and their own challenge:

    1. trix-a-belle Build up my savings from 33,123 to 85,000.
    2. Suffolk lass Reduce my mortgage from 114,882 to 70,000.
    3. icklehelen Reduce my mortgage from 56,800 to 40,000.
    4. lorriedriver1988 Reduce my mortgage from 79,000 to 50,000.
    5. A Frayed Knot Reduce my mortgage from 33,000 to 15,000.
    6. floxxie Reduce my mortgage from 88,500 to 30,000.
    7. megela Reduce my mortgage from 78,955 to 57,500.
    8. Shangaijimmy Reduce my mortgage from 126,000 to 85,000.
    9. muppets Reduce my mortgage from 204,414 to 173,232.
    10. dano17439 Completely clear my 95,000 mortgage.
    11. Ang4k Reduce my mortgage from 61,000 to 40,000.
    12. ourcornercottage Reduce my mortgage from 127,000 to 87,000.
    13. VoucherMan Completely clear my 25,858 mortgage.
    14. dark^knight Completely clear my 100,000 mortgage.
    15. hiddenshadow Reduce my mortgage from 159,500 to 69,500.
    16. JoeyGrey Reduce my mortgage from 195,000 to 100,000.
    17. Radish72 Reduce my mortgage from 74,200 to 36,400.
    18. uropachild Reduce my mortgage from 62,872 to 40,000.
    19. helibob Reduce my mortgage from 198,230 to 152,000.
    20. Runders Reduce my mortgage from 103,524 to 85,000.
    21. selloptape Reduce my mortgage from 77,000 to 57,000.
    22. AvidSaver Reduce my mortgage from 140,000 to 95,000.
    23. Dalradian Completely clear my 95,849 mortgage.
    24. Maybe_its_because Reduce my mortgage from 209,000 to 174,000.
    25. Catriona79 Build up my savings from 0 to 30,000.
    26. Wombatchops Reduce my mortgage from 149,294 to 134,294.
    27. Pearla*Merle Build up my savings from 0 to 15,000.
    28. Chutney86 Reduce my mortgage from 109,000 to 95,000.
    29. pavlovs_dog Reduce my mortgage from 103,798 to 75,000.
    30. taka Reduce my mortgage from 24,278 to 12,000.
    31. 2rea22 Completely clear my 30,000 mortgage.
    32. skaps Reduce my mortgage from 172,987 to 140,000.
    33. princess295 Reduce my mortgage from 68,709 to 50,000.
    34. Diamondsonly Build up my savings from 0 to 72,000.
    35. Karona Reduce my mortgage from 35,216 to 25,000.
    36. XSpender Reduce my mortgage from 117,553 to 87,000.
    37. My Lovely Carrot Reduce my mortgage from 153,900 to 120,000.
    38. HelenDaveKids Completely clear my 7,800 mortgage.
    39. Anagran Reduce my mortgage from 102,500 to 92,500.
    40. Mrs Money Penny Build up my savings from 10,000 to 40,000.
    41. GETMYACTTOGETHER2016 Reduce my mortgage from 35,963 to 17,500.
    42. Maximum Saving Completely clear my 24,351 mortgage.
    43. Lexi-lu Completely clear my 90,472 mortgage.
    44. CathT Reduce my mortgage from 89,501 to 69,501.
    45. Penny pauper Reduce my mortgage from 115,500 to 85,000.
    46. pathtofreedom Reduce my mortgage from 153,892 to 120,000.
    47. SuperSecretSquirrel Build up my savings from 14,733 to 60,000.
    48. Trying to be good Completely clear my 46,000 mortgage.
    49. Rachiedabbler70 Reduce my mortgage from 70,800 to 45,000.
    50. ielond Completely clear my 255,850 mortgage.
    51. Sox77 Reduce my mortgage from 177,764 to 100,000.
    52. utopiah Reduce my mortgage from 54,000 to 4,000.
    53. bunty109 Reduce my mortgage from 139,386 to 99,999.
    54. Haras_nosirrah Reduce my mortgage from 225,000 to 175,000.
    55. littlemonkeywolf Reduce my mortgage from 58,000 to 35,000.
    56. Needhelpsaving Reduce my mortgage from 83,710 to 65,000.
    57. SueP19 Reduce my mortgage from 70,350 to 50,350.
    58. Socks779 Reduce my mortgage from 30,600 to 6,000.
    59. Mortgage Minimiser Reduce my mortgage from 234,787 to 195,000.
    60. afoolandhermoney Reduce my mortgage from 157,500 to 140,000.
    61. brila Completely clear my 55,947 mortgage.
    62. mummytummy Build up my savings from $0 to $100,000.
    63. Hollysan Reduce my mortgage from 67,342 to 40,000.
    64. shala_moo Reduce my mortgage from 116,871 to 65,000.
    65. new mortgageeee Completely clear my 16,569 mortgage.
    66. jodles16 Reduce my mortgage from 177,472 to 156,000.
    67. mrsp1987 Reduce my mortgage from 99,311 to 80,000.
    68. FreedomGirl Build up my savings from 160,537 to 250,000.
    69. Welshlassie Reduce my mortgage from 150,140 to 130,000.
    70. ajmoney Reduce my mortgage from 109,544 to 80,000.
    71. SusanneCape Reduce my mortgage from 80,000 to 35,000.
    72. Daisy Duck Reduce my mortgage from 184,000 to 164,000.
    73. Mysteek Completely clear my 46,400 mortgage.
    74. Annaharky Completely clear my 38,190 mortgage.
    75. PorgieGeorgie Reduce my mortgage from 142,480 to 86,700.
    76. brigzy Completely clear my 22,962 mortgage.
    77. tim_n Build up my savings from 0 to 168,000.
    78. Stingy_3000 Completely clear my 73,350 mortgage.
    79. PennyJar Reduce my mortgage from 101,062 to 81,062.
    80. juststuff123 Completely clear my 45,232 mortgage.
    81. kizzie01 Reduce my mortgage from 54,643 to 34,643.
    82. lincoln-potter Reduce my mortgage from 85,000 to 38,000.
    83. tattycath Reduce my mortgage from 148,750 to 131,750.
    ...
    92. icontinuetodream Completely clear my 25,913 mortgage.
    ...
    96. brizzledfw Reduce my mortgage from 166,000 to 100,000.
    ...
    106. tattycath Completely clear my 58,500 mortgage. Retired number
    ...
    126. Lomcevak Reduce my mortgage from 135,000 to 60,000.
    ...
    148. Twiggy_34 Reduce my mortgage from 58,500 to 45,000.
    ...
    150. ElusiveLucy Completely clear my 5,619 mortgage.


    Please see the posts immediately below for further information. Good luck in your own challenges.

    Registration / update form: The MFiT-T4 form

    Trix.
    Last edited by trix-a-belle; 03-03-2018 at 11:15 AM.
    - Mortgage: 1st one down, 2nd: 114800 104k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
Page 25
    • shangaijimmy
    • By shangaijimmy 8th Jul 17, 7:24 PM
    • 2,736 Posts
    • 13,597 Thanks
    shangaijimmy
    Update submitted and am really excited to see what my percentage is (hoping for green, hoping for green)! Extra motivation which comes in my mid month lack of activity slump!

    As ever thanks for the thread!
    MFW: Turning June 2036 into March 2025... 39//120 Payments Challenge, Diary Reduction 42,061.17
    Aug 2009: 163,051 // Current: 93,938.84 // Avg Daily Interest 4.22
    MFiT-T4 #8 - 74.24% of 41,000
    • porgiegeorgie
    • By porgiegeorgie 18th Jul 17, 10:05 PM
    • 159 Posts
    • 1,142 Thanks
    porgiegeorgie
    Hi Trix and team!

    July update also submitted.

    I completely missed the last update! I'm 26 weeks pregnant and was in the throes of early pregnancy (well, until 20 weeks) nausea and vomiting when the last update was due, only remembered it last month!

    I have no idea how I'm doing mortgage over-payment-target wise (not too badly, I think...) but seventeen months after moving into this house we've actually started to get serious about getting it into a more comfortable and liveable condition, it's funny how a hard deadline forces you into action

    Mortgage is now down to 115,841 from 142,480. Feeling good

    Keep up the good work everyone!
    MFiT-T4 #75: 142,480 to 86,700 by Jan 2019
    Feb16: 142,480. April16: 138,900. July16: 132,242 Oct16: 129,824, July17: 115,841
    • SuperSecretSquirrel
    • By SuperSecretSquirrel 24th Jul 17, 12:26 PM
    • 696 Posts
    • 3,090 Thanks
    SuperSecretSquirrel
    MFiT4 Update #6
    Today is the halfway point!

    I'm happy to report that we are more than halfway to our target

    Mortgage: -17,912.48 (Quarterly progress 2,234.56)
    Tax: -367.19 (Quarterly progress 133.58)
    Cash: 40,313.69 (Quarterly regression 2,260.03)
    S&S: 20,569.41 (Quarterly progress 3,643.93)
    MN+: 42,603.43 (Quarterly progress 3,752.04)

    The plan is to pay off the mortgage in January. We've been "virtually offset" or "mortgage neutral" for a while, but it's still weirdly exciting to think that we should now only have five more monthly mortgage repayments left!

    Keep pushing everyone
    Last edited by SuperSecretSquirrel; 24-07-2017 at 12:29 PM.

    Mtg [2013 64k|2014 51k|2015 38k|2016 26k|2017 14k] Zero!
    MN [2013-25k|2014-2k|2015+16k|2016+34k|2017+52k] +56,615.31(MFiT4:+60k)
    NW [2013 126k|2014 156k|2015 190k|2016 228k|2017 269k] 278,659.39 (2020:300k)
    FI [2013 -1.2%|2014 2.8%|2015 6.9%|2016 13%|2017 18%] 30.9% (exc SP)
    • Suffolk lass
    • By Suffolk lass 24th Jul 17, 2:36 PM
    • 1,951 Posts
    • 20,901 Thanks
    Suffolk lass
    Today is the halfway point!

    I'm happy to report that we are more than halfway to our target

    Mortgage: -17,912.48 (Quarterly progress 2,234.56)
    Tax: -367.19 (Quarterly progress 133.58)
    Cash: 40,313.69 (Quarterly regression 2,260.03)
    S&S: 20,569.41 (Quarterly progress 3,643.93)
    MN+: 42,603.43 (Quarterly progress 3,752.04)

    The plan is to pay off the mortgage in January. We've been "virtually offset" or "mortgage neutral" for a while, but it's still weirdly exciting to think that we should now only have five more monthly mortgage repayments left!

    Keep pushing everyone
    Originally posted by SuperSecretSquirrel
    Thanks for the reminder SSS - I'm not doing so well but I am off to do my update
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after May 45.81% 4,581.38/10,000
    OS Grocery Challenge 2018 spent 1,021.80/3,000 including stores so far 34.06% of my annual budget at the end of May
    My DFD is here
    • A Frayed Knot
    • By A Frayed Knot 24th Jul 17, 7:55 PM
    • 2,395 Posts
    • 10,731 Thanks
    A Frayed Knot
    Update submitted, sorry for the last minute announcement, was away the long weekend and internet connection was practically non existent.

    Eyes nearly popped out my head, when I had to do a double take - so near to my target goal at the end of this challenge and it's only half way through.
    Always have 00.00 at the end of your mortgage balance and one day it will all be 0's
    Target 18 months 6/24
    MFMarch 30 Re/M Oct 23 Target -Dec 19
    O/P's 2014/4000, 2015/6294.69, 2016/3186.80, 2017 4068.97

    • tattycath
    • By tattycath 24th Jul 17, 8:55 PM
    • 6,820 Posts
    • 35,978 Thanks
    tattycath
    I've updated. a long way to go to catch up with target but I am not defeated.
    GE 36 *MFD
    MFIT-T4 No 83
    Mortgage overpayments:

    Emergency savings 100/2000
    Savercard Christmas savings 10
    12/3/17 175lb - 15/3/17 173lb - 28/6/17 167lb - 14/7/17 164lb - 12/9/17 160lb - 29/12/17 155lb
    • catriona79
    • By catriona79 26th Jul 17, 9:28 PM
    • 850 Posts
    • 1,630 Thanks
    catriona79
    I sent my update yesterday, sorry about the delay...
    Need to get my skates on and build back up the savings!

    Good luck to all!
    * * * Catriona's Credit Card Countdown * * * from -16k to debt neutraldom - for my debt diary click here
    Barclaycard -5,867.52;
    mbna1 - 3,009.22
    mbna2 - 1,755.70
    Savings 5,017 MFiT #25 2,627/10k; daily interest 5.04
    • trix-a-belle
    • By trix-a-belle 26th Jul 17, 9:54 PM
    • 823 Posts
    • 3,515 Thanks
    trix-a-belle
    bit busy at work this week (read insanity on various fronts plus migraine looming) so will likely do the chart release and stats on sunday
    - Mortgage: 1st one down, 2nd: 114800 104k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • brizzledfw
    • By brizzledfw 28th Jul 17, 9:01 AM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    NP Trix..thanks for all you're doing.

    Hope migraine didn't materialise x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 25/500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • Suffolk lass
    • By Suffolk lass 29th Jul 17, 8:53 AM
    • 1,951 Posts
    • 20,901 Thanks
    Suffolk lass
    I've updated but I am way off target. The reasons are numerous but mainly because we have the house on the market. And I need to make sure I have the cash available in August to clear the balance of an expiring 0% credit card deal.

    Overall debts are reducing and savings creeping up - just not within my mortgage account.

    Ditto Trix - no problem and hoping you feel better
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after May 45.81% 4,581.38/10,000
    OS Grocery Challenge 2018 spent 1,021.80/3,000 including stores so far 34.06% of my annual budget at the end of May
    My DFD is here
    • trix-a-belle
    • By trix-a-belle 30th Jul 17, 1:22 PM
    • 823 Posts
    • 3,515 Thanks
    trix-a-belle
    Chart 6 has arrived, finally.

    Thanks for the best wishes, migraine didn't take hold thankfully but work challenges continue to try and push it & all that i'm throwing at myself probably isn't assisting either.

    So since chart 5 i've seen a lovely house, offered, put mine current house on the market, had lots of unrealistic ritas look round, accepted an offer on my lovely mortgage free house and by chart 7 should be in my new house, complete with larger than last time mortgage, am I bonkers? probably, so i'm now knee deep in solicitor and mortgage paperwork to get it all rolling as its a nice short chain & my agent is fab at lubricating things rather than the usual sitting back and waiting for their fee.
    Not sure what to do with my current challenge target and new mortgage at the moment - ideas on a postcard please.....

    SE work is trundling along, really need to grasp SEO and do more marketing to pick it up a notch from current but think i'll be getting all the house stuff out of the way first

    am keeping my fingers crossed for you on yours SL, whatever is meant to be will happen
    Last edited by trix-a-belle; 30-07-2017 at 1:26 PM.
    - Mortgage: 1st one down, 2nd: 114800 104k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Suffolk lass
    • By Suffolk lass 30th Jul 17, 4:46 PM
    • 1,951 Posts
    • 20,901 Thanks
    Suffolk lass
    Ooh well done Trix - how exciting.

    Hm, you could change your target, or move the current one down to number 151 and make the number 1 target your new house - I think I'd want your number 1 to reflect your current target and just make it realistic for the remaining 18 months
    MFiT T4 #2 update 88.72% after Q9 tiny bit ahead of where I should be
    Save 12k in 2018 #53 - after May 45.81% 4,581.38/10,000
    OS Grocery Challenge 2018 spent 1,021.80/3,000 including stores so far 34.06% of my annual budget at the end of May
    My DFD is here
    • trix-a-belle
    • By trix-a-belle 12th Aug 17, 3:37 PM
    • 823 Posts
    • 3,515 Thanks
    trix-a-belle
    Just realised I didn't do any half time stats...
    of the starting total 8,858,911 to be reduced by 3,718,587 we have paid back or saved 1,129,230 so far across 90 challengers as logged against the update submissions
    The biggest % target goes to GETMYACTTOGETHER on their original challenge target who hit 194% of target so hopefully they will give their second target the same treatment

    They are amazing figures! Its a marathon rather than a sprint so lets keep plugging away to the end
    - Mortgage: 1st one down, 2nd: 114800 104k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • brizzledfw
    • By brizzledfw 15th Aug 17, 11:33 PM
    • 7,267 Posts
    • 35,710 Thanks
    brizzledfw
    Excellent thanks Trix...and huge congrats on your plans....I like a bit of *uck it, just do it on this kinda thing...you gotta follow your gut reaction on these things..

    Hope it goes smoothly x
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 25/500 NSDs Target 10 for March 02/10 Trying to be a Frugalista
    • 2rea22
    • By 2rea22 11th Sep 17, 9:58 PM
    • 13 Posts
    • 44 Thanks
    2rea22
    Still battling on!
    I'm ashamed to say I've not posted an update since the start of the tread! My original goal was to pay the remainder of my mortgage off in three years, 30K! eek! However, things immediately didn't go to plan. Threat of redundancy and family problems meant that priorities changed and tbh I forgot (or put to the back of my mind!) the fact that I had signed up for this challenge. However, I've been battling on. Although I survived the redundancy threat it has never really gone away and hubby's job is not exactly safe either - so buttled down and managed to pay off 13,250 to date. It would be a relief to think at least the house is paid for if the worse comes to worse. Also managed to squirrel a bit away in savings so we have a buffer for a few months too. So I'm back on it and determined to see the back of the mortgage. I've also managed to get rid of a few debts along the way too. Fingers crossed the 13 year old VW golf will last a bit longer so I don't have to replace it!!
    • Lomcevak
    • By Lomcevak 4th Oct 17, 6:42 PM
    • 706 Posts
    • 4,209 Thanks
    Lomcevak
    And now at 99,557 - so under the great 100k barrier

    4935 repaid since the last update, a bit over 35k repaid since the start of the challenge with just under 40k to go to my target - that means I'm a little behind at the halfway point (2072, to be precise ) but i'm delighted to even be close to on-track.

    Next big milestone is to get under 90k, which will mean I've repaid 100k since I remortgaged four years ago. Currently looks like Jan '18, but i'd really like to drag it into this year...
    Originally posted by Lomcevak
    All done for this quarter, now at 93,834 so 5,723 paid off since July, making it just over 41k repaid since the start and a touch under 34k to go. Still slowly slipping behind where I should be (now 2,589 short of being 'green') but still delighted to be close

    Unless something dramatic happens will drop under 90k in December, which will mean that I've paid off half the mortgage in four years (was 180k in Jan '14).
    Last edited by Lomcevak; 04-10-2017 at 6:44 PM.
    MFiT-T4#126, 135k to 60k: 59,607/75,000(79.49%), 2017 MFW#11 6,556/12,000 (54.63%)
    30k-in-18#11 16,584.46/30,000 (55.28%)
    • mummytummy
    • By mummytummy 8th Oct 17, 6:54 AM
    • 729 Posts
    • 3,639 Thanks
    mummytummy
    Just submitted for this quarter, unfortunately it's a big fat zero, but I will fix it and get back in the green for the next one.
    1. Sealed Pot Challenge No.11 #11 428.74
    2. MFiT-T4 #62 (77.2% saved)
    3. Save 12k in 2018 #144 700/3000 = 23% saved
    • Mortgage Minimiser
    • By Mortgage Minimiser 8th Oct 17, 9:52 AM
    • 68 Posts
    • 327 Thanks
    Mortgage Minimiser
    #59 updated for this quarter. Haven't updated for a while - lots going on including a change of job. Back to normality now though. However we are saving for an extension, so not as much thrown at the mortgage. Keen to see where I am now.....

    MMx
    2016MFW#46 O'Pd-104%; 2017 MFW OP'd 7779.28
    MFiT-T4 # 59 - reduce mtg to 195,000 (60% LTV)
    Mortgage at start (01/2/2015) - 243,750.
    Mortgage at 31/12/15 - 235,906.71.
    Mortgage @ 31/12/16 - 224,120.98
    Mortgage @ 31/12/17 - 210,224.06 (now 198,037.59)
    • trix-a-belle
    • By trix-a-belle 8th Oct 17, 8:58 PM
    • 823 Posts
    • 3,515 Thanks
    trix-a-belle
    Thanks to those who have updated already, how is it Oct already?!
    I am hopefully moving in a couple of weeks, finally, I think I know what i'm going to do with my target but it might still change, my current figure will certainly take a hit once I have completed due to solicitor fees/stamp duty excess that needs covering, oh & the oven I didn't expect to need to buy.
    Chart 7 coming soon.....
    - Mortgage: 1st one down, 2nd: 114800 104k
    - Student Loan: 7100 0!
    Swagbucks, Neobux, GiffGaff, Roamler, Qmee & Quidco; thank you MSE every little bit helps
    MFiT-T4
    • Twiggy_34
    • By Twiggy_34 12th Oct 17, 7:18 PM
    • 659 Posts
    • 2,079 Thanks
    Twiggy_34
    Sorry guys but I'm going to have to bow out of this challenge. Things are/were going to plan and we have been managing to make regular overpayments, but a couple of factors have influenced my decision. First is that it's really difficult for us to keep on track of our progress because FD don't provide online access to our mortgage (how stupid for an online only bank?!?!) and only provide 6 monthly statements. Second is a bit more exciting, in that we've just remortgaged as well as securing a BTL mortgage and completed a couple of weeks ago on a 2nd property, with the tenant having moved in last weekend.

    The good news is that we will be continuing with regular (albeit small) overpayments on our resi mortgage, we are also happy that we can save a decent amount every month to do overpayments on our BTL mortgage (interest only) as well. For now we're playing it cautious and will monitor income and outgoings for the first year to see how things play out, but I'm hoping the savings from 'profits' will be sizeable and we can make some good dents in both mortgages as time passes.

    Good luck to you all in achieving your goals
    12k in 2018 #040 1000/3000
    2 Savers Club 2018 #027 TOTAL: 176 (2013-2017 = 1150)
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