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

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  • newgirly
    newgirly Posts: 9,343 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Oh that’s terrible Vix 😡 There’s a reason estate agents have the reputation they do! I’m glad you managed to keep hold of it even if it was at extra cost. 
    MFW 67 - Finally mortgage free! 💙😁
  • themadvix
    themadvix Posts: 8,772 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Morning all,

    Thanks SL. Amazingly not only did the paper shredder purchaser turn up (albeit she was too lazy to get out of the car and messaged me to take the item out to her!), but a man came later for some shoes too. So all three things sold quickly and in a relatively pain-free fashion. And £25 in my pocket (although actually we spent £10 on fish and chips...).

    We had the Memoranda of Sale yesterday for purchase and sale. And a few answers to queries too. I'm hoping we'll have some post from the solicitor this morning as it's gone back to being quiet on that front, which is stressing me out (we've still not given them any money or had anything through confirming they are acting for us). That 30 September deadline isn't looking too good at the moment. If the post comes and there isn't anything, I'll be ringing again... or finding another solicitor.

    Another visit to the cats this morning - they were rather keen to get inside given the drizzle (I kick them out after tea, which is a new one on me, but it seems to work). They are super friendly - after breakfast I sit down and have a cat on my lap in seconds!

    Work-wise, annoyingly the ongoing project has been pushed back another week (I did do last week's batch), but I've had a few bits to keep me busy this morning, including more from the debtor client - and as she's paying on receipt, this boosts my income this month!

    MS things:
    * took pots back to Lush and discovered you get 50p credit per item when returned. As I needed something anyway, this saved me £1.
    * Got free samples in Neal's Yard (I've realised I've reached that age where a little bit more care (than none) of my face is required - will see how I get on with their stuff. It's not cheap, but it sounds like a little goes a long way and I really don't want to compromise on stuff I put on my skin. I can't afford it at the moment, but can always ask for some for Christmas, along with a million things for the house and garden!).
    * Was quick enough in the town to only pay for 30 mins parking - 70p instead of £1.30
    * Did well with Olio last night - a whole bag full of food, including veg for tonight, a bag of carrots, the tomatoes and cucumber I swapped for chard with my friend, some rolls for a BBQ next weekend and some naughty cajun onion rings which we'll have with dinner tonight
    * Lunch will be pesto pasta, made with carrot top pesto from the freezer
    * Olio friend whose cats I sat for a couple of weeks ago (and got paid for!) gave me a lovely thank you gift - a small bottle of wine, some limoncello, cat coasters and almond cantucci (?) - far too generous of her!
    * Have realised I've not been deducting expenses (commission) from earned work (cat sitting and platform jobs), so need to amend my accounts so that I am showing this and reduce my tax bill (as both pay automatically I was just 'invoicing' (i.e. for the purpose of recordkeeping) for the net amount, not gross).

    Gratitudes:
    * Saw friend yesterday for a quick catch-up and had a cuppa at in-laws
    * Lovely lady served me in Neal's Yard
    * Olio freebies and (totally unnecessary) gift from Olio friend

    Have a good afternoon all!


    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


  • Karmacat
    Karmacat Posts: 39,460 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Great progress on here, in spite of buyer's husband's shenanigans.  Grrr.  But whoop whoop to everything else, especially cats who make a dive for your lap :) 
    2023: the year I get to buy a car
  • Chiglepig
    Chiglepig Posts: 613 Forumite
    Fourth Anniversary 500 Posts Photogenic Name Dropper
    Our cat doesn't 'do' laps :(
    We have so much stuff we could be selling, but I'm always put off by the horror stories about pain in the rear buyers. Maybe I'll give it a try with you as inspiration, vix.
    2014 starting mortgage £165,000
    2015 second charge £20,000 - Jan 2021 paid off in full
    Current outstanding balance - £115,856



  • Suffolk_lass
    Suffolk_lass Posts: 10,295 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Re face creams - I'm a No 7 fan. I have tried many (many years, many products) over the years and the way their face creams are light but moisturising works for me. They remain a cruelty free brand, with none of their own brand products tested on animals. I hate greasy residues and have a problem with the slimy feel of some.

    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
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