Leigh, UK personal finance expert and creator of Mortgage Free Leigh

Mortgage Free Leigh

UK Mortgage Overpayment &
Family Budgeting Expert

Collaborations

Helping UK Families Achieve Mortgage Freedom Through Smarter Budgeting.

I’m Leigh,
Navigating the balance between UK mum-life and financial independence. Join me as I document my journey to becoming mortgage-free in my mid-40s with realistic budgeting tools and family-first money management.

I’m a mum of two living in the North West of England.
When I had my first baby in 2019 I discovered budgeting and since then, despite two year long maternity leaves, I have been able to overpay my mortgage by over £18,000 since 2020! I taught myself about money management and investing and now both of my kids are investors.
Now I’m here to share with you the money saving tips I’ve learned along the way as I pursue my ultimate goal, to be mortgage free in my mid 40’s.
Don’t forget to follow me on my other platforms for more ideas and inspiration. You can also subscribe to my newsletter to get money motivation, budgeting tips and deals of the week straight to your inbox.

Happy budgeting!

Leigh

My Instagram



My YouTube

Hi, it's me again, just trying to change my whole entire life in 2026! This time we're putting my big life reset plans into action because as a 40 year old mum of two who has absolutely NO idea what her style is or what to wear since having kids, I need professional help. So I got an online colour analysis but is it right?! It's a very chatty UK mum vlog as we talk about losing your identity after becoming a mum and also as you enter your 40's. I'll ask you to guess what season my colour analysis said I was and then I'll share the results! So let's start finally making some progress on my plans to change my life in 2026 by trying to figure out what on earth I'm supposed to be wearing! JOIN ME ON SOCIALS: http://instagram.com/mortgagefreeleigh http://tiktok.com/@mortgagefreeleigh #colouranalysis #changemylife #lifeafter40 #lifereset #mumlife DISCLAIMER: This video is NOT sponsored. All music featured is from a paid subscription with Epidemic Sound
Is my colour analysis right?! Changing my life in 2026 ~ Finding my style after kids chatty UK mum.
I’m back at the supermarket to show you 5 things from Sainsbury’s that I actually think ARE worth the money! This follows the video that kinda made everyone angry when we talked about the increase in price of certain items (and the decrease in quality 👀) But do you agree with this money saving mum?
5 Sainsbury’s treats that are worth every single penny! #foodbudget #groceryfinds #costofliving
As you know I am in a constant battle with my food budget and I know there are some items we could swap out to save money, that much is obvious BUT what I don't understand is how we managed to only buy enough groceries for 6 meals this week in this £150 budget Ocado food haul for our family of four! Something is going wrong in our meal planning and grocery shopping but one thing I am sure of is that online food shopping is the way forward. So this week it's an Ocado grocery haul AND a Gousto box combined to make up our £150 budget weekly food shop. I am enjoying the fact I can get Mark & Spencers products from Ocado but I'm a little bit miffed with the service this week so let's chat and I'll let you know my meal plan for this week and I'll tell you what went wrong with this family food shop. It's a very chatty UK grocery haul from a mum of two so grab a cuppa and settle in for a Ocado food haul and some realistic food budget chat. AD - 65% off first box with Gousto https://www.gousto.co.uk/raf?promo_code=LIANN42393325&utm_source=iosapp&raf_messaging=true AD - MONZO LINK *Please note THE BONUS IS NOW ONLY £5 when you use my link and pay for something with the card within 30 days of signing up* https://join.monzo.com/c/hxhm82tn JOIN ME ON SOCIALS: http://instagram.com/mortgagefreeleigh http://tiktok.com/@mortgagefreeleigh #ocado #groceryhaul #foodshop #budgeting #marksandspencer DISCLAIMER: This video is NOT sponsored. All music featured is from a paid subscription with Epidemic Sound
£150 BUDGET WEEKLY FOOD SHOP | Ocado Grocery Haul. Family of four ~ Chatty UK budget food haul!
Let's set up our household budget for my family of four for April! Today I'll be doing a complete budget walkthrough to show you my budgeting spreadsheet and set up how we are going to manage our household finances as a family of four this month. We'll talk about fixed and variable expenses, sinking funds and why I'm feeling the financial strain at the moment after going self-employed as a content creator. It's a chatty and honest UK budget with me from a mum of two who loves to budget so that we can enjoy life - Let's chat all things family finance and whether we are going to be able to stay in budget this month!! AD/AFFILIATE LINK - Budget Spreadsheet https://rstyle.me/+uORNoCngABDq6cQJStwgOg SINKING FUNDS VIDEO: https://youtu.be/QVTufZdYliA MARCH SPENDING REVIEW VIDEO: https://youtu.be/twGHPmGrw48 MORTGAGE OVERPAYMENTS VIDEO: https://youtu.be/QpCHk3eM74w JOIN ME ON SOCIALS: http://instagram.com/mortgagefreeleigh http://tiktok.com/@mortgagefreeleigh #budgeting #budgetingtips #budgetwithme #familybudget #zerobasedbudget #budgeting101 DISCLAIMER: This video is NOT sponsored. All music featured is from a paid subscription with Epidemic Sound
APRIL BUDGET WITH ME 💸 Feeling the strain! Zero based budget family of four! Budgeting mum UK 🇬🇧
Spending review from a zero based budgeting mum of two for the month of March and it’s NOT pretty! See how much blew our food budget by and let me know if your costs have gone up?! #budgetwithme #budgetfail #zerobasedbudget
MARCH BUDGET REVIEW – We spent *HOW* much on food? Major budget fail! #zerobasedbudget #budgetwithme
Last year we headed off to Bluestone Wales for the first time and I'm pleased to say we're back! I'm bringing you along on our budget family staycation and talking about where Bluestone is *REALLY* more budget friendly than Centerparcs. I'll be sharing exactly what we spent as a family of four and what I thought in this VERY honest Bluestone review. It's part review, part tips and part family travel vlog as I share my money saving tips, discuss the topic of Bluestone or Centerparcs and tell you why I actually prefer the Bluestone swimming pool! I’d love to know what you think about the cost of this budget friendly trip and do let me know if you enjoyed this chatty UK mum vlog! PREVIOUS CENTERPARCS VLOG https://youtu.be/rUmXI5JITHY PREVIOUS BLUESTONE vs CENTREPARCS VLOG https://youtu.be/_T2-St_xubU JOIN ME ON SOCIALS: http://instagram.com/mortgagefreeleigh http://tiktok.com/@mortgagefreeleigh DISCLAIMER: This video is NOT sponsored. All music featured is from a paid subscription with Epidemic Sound #centerparcs #bluestone #ukstaycation #moneysavingtips #familytravelvlog
*HONEST* BLUESTONE REVIEW | Bluestone vs Centerparcs – Budget family travel vlog, money saving tips!
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About Mortgage Free Leigh

Mortgage Free Leigh is a UK-based personal finance and lifestyle platform dedicated to helping families achieve financial independence. Founded by Leigh, a mum of two who has successfully overpaid her mortgage by over £18,000 since 2020, the brand specialises in UK mortgage overpayment strategies, zero-based budgeting, and sinking funds for families. Based in North West England, Leigh shares practical, real-life money management tips to help everyday households reach mortgage freedom by their mid-40s.

Disclaimer & Disclosure I am not a financial advisor. All content shared on mortgagefreeleigh.com, including my budgeting tips, mortgage overpayment journey, and investment updates, is based on my personal experiences and is for informational and educational purposes only. Financial decisions should be made based on your own research or by consulting a qualified professional.

Some links on this site are referral or affiliate links. This means I may earn a small commission or bonus at no extra cost to you if you choose to sign up or purchase through them. I only recommend products and services I genuinely use and love. Thank you for supporting my journey to mortgage freedom!

mortgagefreeleigh.com 2025