24 Feb 2016

A question about : 2012 mfw

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Welcome to the thread for everyone starting or continuing their MFW journey in 2012.

Hopefully many of us will want to continue the hard work that we have put in to overpaying our mortgages in 2011, 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:
Complete the online form (please note it's not automatic, I update the spreadsheet when I get around to it ); or
send me a private message (PM); or
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 2012 and then on a monthly basis your overpayment for the month and a year to date figure - including your MFW 2011 number please

There is no cut off point for joining the thread and the challenge (except the 31st December 2012) 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 small. Also, if you have a diary on MSE it can be linked to the first posts if you want, just let me have the link.

To see our previous successes, please see the 2011 MFW challenge, 2010 MFW challenge and Zavarony's 2009 MFW thread that I shamelessly plagiarised (along with this text from the 2011 MFW challenge)

Good luck to us all!

Best answers:

  • Reserved 2:
  • 2012 OVERPAYMENT TARGET JANUARY TOTAL YEAR TO DATE (spreadsheet version here)
    No. Name Target
    1 originalmiscellany 12000
    2 catslovelycats 4000
    3 pigtails_21 10000
    4 CathT 3000
    5 madeupname1 30000
    6 spiggle 8400
    7 black taxi 9000
    8 dark^knight 15000
    9 Tilly MFW 30000
    10 Katsu 2000
    11 Sepa 74 1
    12 Emsky123 5000
    13 Happy Ju 5000
    14 Sugarhunny1 6000
    15 sparklystar 5000
    16 kimbo26 2200
    17 BeauBelle 1200
    18 lulabelle1 12000
    19 uzubairu 15000
    20 curlygirl1971 2760
    21 newgirly 10000
    22 icontinuetodream 3600
    23 pavlovs_dog 1500
    24 ironhide 4500
    25 l33na 2000
    26 MsWow 13000
    27 Paddypaws 1200
    28 greent 6000
    29 financialbliss 1
    30 Twiddy 3500
    31 sweetdaisy 800
    32 lighthousescotland 2500
    33 zutou 1
    34 unhappy_shopper 24000
    35 BaillieRiley 3000
    36 LavenderBees 11750
    37 waughc01 9000
    38 filly fop 8000
    39 haras_nosirrah 10000
    40 needhelpsaving 2012
    41 rockabelle 15000
    42 downsizer3 864
    43 puddle96 6000
    44 glitterball 7500
    45 Lixi 15000
    46 shala_moo 5000
    47 evi3000 20000
    48 rainbowcattail 12000
    49 kitjos 3600
    50 ElusiveLucy 6000
    51 jaywhoopee 5000
    52 alisean221 3000
    53 pammyj74 6000
    54 SimbaK2K 2000
    55 skaps 3000
    56 skintscotslass 2400
    57 T.x 5000
    58 everach 2000
    59 the_alchemist 3000
    60 coldcazzie 1500
    Ј0 Ј0
  • 61 mbbetter 12000
    62 drewwa 30000
    63 Jock_Tight 5400
    64 UnionGirl 1500
    65 Dragonrider 2400
    66 Barny1979 8500
    67 Mortgagefreeby50 3000
    68 ajmoney 1200
    69 Malski 15000
    70 Tina01904 10000
    71 Retire at 50 3000
    72 Hannahnightmare 6000
    73 GallyGirl 18000
    74 beccajune 25000
    75 Funkygibbon 3000
    76 Lilium 1000
    77 Sue Donim 12000
    78 Southernman 3000
    79 Billywhiz 39000
    80 jimmyjones 13200
    81 AvidSaver 2000
    82 Oeano 1
    83 wildfrog 1200
    84 poppycat1
    85 Belfastgirl23
    86 LilacPixie
    87 Indigo899
    88 Tony_R
    89 BaconandEggs
    90 miss_corerupted
    91 Pollys
    92 CharlieH
    93 RosieTiger
    94 theyoungone
    95 ruby911
    96 skint spice
    97 elantan
    98 ulstertiger
    99 wilsons
    100 Missy606
    101 lawbee
    102 twistedhazel
    103 froddington
    104 Chunters_a_lot
    105 jo101
    106 Sarahevie
    107 ViHan
    108 Mint1955
    109 kate1979
    110 originator
    111 Chelly78
    112 LittlestFlower
    113 jmf76
    114 Lomcevak
    115 Tabbitha
    116 Lippy1923
    117 debtshurt
    118 NellieB
    119 starflame
    120 MoneyMission
    121 Parnott
    122 azza2007
    123 Lincoln-potter
    124 Trills
    125 Bownyboy
    126 pollyanna24
    127 blackberrycurved
    128 TwinnyD
    129 fluffysox
    130 blizeH
    131 Marblecake
    132 wrigleydl
    133 katiegizmo
    134 ally18
    135 sheslookinghot
    136 rjlawler
    137 frugalfrog
    138 DramaMug
    139 Maybe_its_because
  • Reserved for future use
  • for future use
  • Please add me to the list for 2012!
    Not sure what my target is yet cos work and mot might both be changing!
    I'll say OP of Ј2000 and will change if necessary.
    Thanks
    Link to my MFW diary: https://forums.moneysavingexpert.com/....php?t=2954994
  • Can you please add me to the list
    I'm not sure of our target yet - could you put this down for 10,000 for the moment, but I'll probably amend to just over Ј12,000. It will be whatever it takes to get us down to 50k by the end of the year 2012.
    Good luck everyone, and thanks for the hard work this involves.
  • Thank you for doing the challenge for 2012. Can you put me down for Ј3000 please.
  • Yes please add me to the list too! My 2011 number was 180 but happy to be allocated a new number! Target hmmm I'll try Ј30,000 again ...
  • Hi OM,
    Thanks very much.
    I'll certainly join and help you out as best I can.
    I haven't fully worked out the OPs for 2012 yet but I'll initially say Ј8400 please. This may get changed later this month when I've done the full budget for the year. I don't mind if I have a new number or if you want to keep me at No. 40.
    All the best,
    Spigs
  • on-line form not letting me post
    my target 2012 is Ј9000
    thx OM
  • just to say my target includes mortgage & o/p
  • Have tried to update the form so you can now fill it in - thanks for pointing that out blacktaxi
  • Joining too.....
    My target for the upcoming year may change but can you put me down for Ј3600 please.....
  • Hi,
    Could you add me to the list please. I am aiming for Ј15,000 OP during 2012.
    ^dk^
  • I'd like to join too... will make quarterly updates as that is when my mortgage statement comes out. Is that OK?
    I'll let you know my targets when I've thought about it! Thanks for organising
  • I'll come in again please and I think I will aim for Ј2000, as I beat this year's target so should up the ante on myself - although with rising prices I have no idea if I will hit it!
  • Hi OM, thank you for running this challenge. Can you put me downfor Ј30k please.
    I haven't used colours before so have no idea from this quick reply how it wil look.....
    I need a lesson in using colours ........
    Regards Tilly
  • What on earth did I do wrong above ?
Category: 
Mortgage-Free Wannabe
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