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Finally I have a mortgage I can start to pay off!

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  • themadvix
    themadvix Posts: 8,808 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Just popped back to announce achievement of the day (which I definitely can't take credit for): finally have managed to crack the code on the keysafe by our door - only 8+ years after we moved in and I stupidly threw out the piece of paper with the code on from the previous owner! DH had done most of the wheel turning, I just happened to make the last turn! Code now changed to something memorable :)
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • South_coast
    South_coast Posts: 5,901 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Yay! Next stop being a safe-breaking cat burglar....?
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • Jessy103
    Jessy103 Posts: 2,257 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Yay! Next stop being a safe-breaking cat burglar....?
    If you do manage this, could I have a small percentage of the swag?! 😂
    Mortgage Balance as of July 2025 £14,900.
    Starting Mortgage Balance (June 2019) £72,000.
    Aiming to be mortgage free by my 40th birthday, June 2026!
  • Suffolk_lass
    Suffolk_lass Posts: 10,321 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well that made me laugh (sorry!) our local one is just four numbers on a press-button thing. Well done for getting it open! I remember spending a good hour fighting with a hotel room safe to retrieve our passports once - we (he) must have had a fat finger or no spectacles moment when setting the code up
    Save £12k in 2025 #2 I am at £4863.32 out of £6000 after May (81.05%)
    OS Grocery Challenge in 2025 I am at £1286.68/£3000 or 42.89% of my annual spend so far
    I also Reverse Meal Plan on that thread and grow much of our own premium price fruit and veg, joining in on the Grow your own thread
    My new diary is here
  • themadvix
    themadvix Posts: 8,808 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    🤣🤣 SC, if it’s taken 8 years to get in here, I don’t think there’d be much in it for you!

    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • South_coast
    South_coast Posts: 5,901 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    No, I guess there's a reasonable chance of you being caught in the act at that pace! Although I am sure you would speed up with practice.... 😂?

    SL, you've just reminded me of the battle I had to try and unlock my suitcase one time last year. I definitely had the right code but it just wasn't working, and the only tool I had in my hotel room to try and aid me was a teaspoon 😡 Fortunately, I also had my phone and the helpful people that upload videos to YouTube - it was surprisingly easy to get into once you know how! 
    Mortgage start: £65,495 (March 2016)
    Cleared 🧚‍♀️🧚‍♀️🧚‍♀️!!! In 5 years, 1 month and 29 days
    Total amount repaid: £72,307.03. £1.10 repaid for every £1.00 borrowed

    Finally earning interest instead of paying it!!!
  • themadvix
    themadvix Posts: 8,808 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Forgot to say, I changed my mind on the food processor repair in the end - the equivalent model is out of stock everywhere and everything else was a lot more expensive (£100+), so I've agreed to go ahead with it. But I've got a 4-6 week wait without my food processor! :(

    * 1P survey done (honestly, they ask the most ill-thought-through questions!)
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


  • themadvix
    themadvix Posts: 8,808 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Morning all,

    Went for another lovely bike ride yesterday. My new saddle is much better, but still a bit firm. It will do for now (and I may get used to it). Buying on Ebay secondhand saved about £30 either way and I can always resell it if I get another one. We actually cycled far enough to have a destination - just a little village church, but it felt nice to have a goal and a clear halfway point. We sat and enjoyed a satsuma each on a bench in the churchyard when we got there! Next week's ride already planned. 

    I've just ordered a couple of bits for the pond - in one case, from Amazon just to use some S&S credit. Am trying to minimise spending from now until the end of the month. Still undecided about food deliveries on Thursday - will have a look at that today. The issue is that because we're sharing our weekly deliveries with the in-laws it would be two weeks, or near enough two weeks until we had another one.... things might be a bit tight by then!

    I did make the bara brith on Friday - Mum had got me eggs, as requested (very fancy blue ones, no idea why?!), so I popped down and picked them and the spray starch up. On the way back I dropped something off at my Sisters'. It was so lovely to see her and niece, but so hard not to give niece a cuddle - she was very good about keeping her distance, but it didn't make it any easier. 

    Hoping that now the wind has died down I'll be able to get out in the garden today - not a lot to do, but there's always something. 

    MS things:
    * clicks 
    * NV survey
    * Used S&S credit to make purchase
    * Finished RM CD survey

    Gratitudes:
    * Homemade croissants from the freezer and a lovely cuppa from DH (this is a rarity as he doesn't drink hot drinks) for breakfast
    * Lovely bike ride yesterday
    * Saw a red kite really low overhead and heard it calling  - first time I've heard that in real life (as opposed to on TV)

    Have a good day all, we've got a quiz to finish writing for this evening's family zoom call!
    Mortgage free 16/06/2023! £132,500 cleared in 11 years, 3 months and 7 days

    'Now is no time to think of what you do not have. Think of what you can do with what there is.' Ernest Hemingway


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