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Pay off mortgage and start having even more fun 😁

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  • newgirly
    newgirly Posts: 9,334 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Finally I can use the cc today, however as I was out yesterday I did actually use it hoping it wouldn’t go through until today and it didn’t, so £39.89 spent already, on postage bags for vint@d , top up shop round the corner of cat litter and loo roll as we were desperate and a few cleaning bits from home bargains. So £510.11 left for 28 days which is £18.21 a day.

    I have a 10% off voucher for Lidl to use, so do I do a bulk shop of non fresh bits or do a normal shop? It’s tempting but I worry I’ll run out too quickly as we do have a habit of of it’s there it gets eaten 😆 perhaps a normal shop with a few extra bits.

    Another item sold on vint@d yesterday, £9.50. I’m very lucky as we have a shop that takes the parcels and you can print your own labels off a few doors away round the corner, so I can pop round daily. Also another survey done and I’ve messaged my brother about cashing in my crypto i bought about three years ago (he sorted it for me) I spent £250 on it and it’s been worth very little since 😂 he thinks it will be about £50 odd after fees, a lesson learnt there! I’m not usually a gambler but the thought of a big rise had me hooked and he invested before me and made big gains which have still broken even.



    MFW 67 - Finally mortgage free! 💙😁
  • South_coast
    South_coast Posts: 5,849 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    newgirly said:
    I have a 10% off voucher for Lidl to use, so do I do a bulk shop of non fresh bits or do a normal shop? It’s tempting but I worry I’ll run out too quickly as we do have a habit of of it’s there it gets eaten 😆
    If I have the 10% voucher I tend to stock up on things like washing powder and fabric softener - hope no-one's eating them 🤣! 

    The 10% off always seems exciting, but never seems to add up to very much even when I really try to stock up. So I think I end up spending more in the short term, even though I do end up using it all eventually. I guess spending 90% isn't that different to spending 100% - it just feels like it should produce more of a saving!
    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!!!
  • South_coast
    South_coast Posts: 5,849 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper Photogenic
    Oh my, NG 😮! Hope the rest of the day brings you some clarity, if not some rest! x
    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!!!
  • CathT
    CathT Posts: 7,133 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Oh gosh NG, hope you get some answers and reassurance from today. Your head must be whirring today, be kind to yourself. 
    June 2025 - part 1 - £19,145 part 2 - £21,973 Total - £41,118 29 months to go!
  • themadvix
    themadvix Posts: 8,718 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Photogenic
    Oh NG, not a good weekend. I echo what the others have said - hope you get some answers soon.
    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


  • newgirly
    newgirly Posts: 9,334 Forumite
    Part of the Furniture 1,000 Posts Mortgage-free Glee! Name Dropper
    Thanks guys, well thanks to my new hobby of listening to the ghostly “uncanny” podcast I did have a listen for a while and then drop off again, I’m no spring chicken any more and I need a decent nights sleep 😩

    Dh is still at work but we won’t ring his parents yet as they may be asleep and also as this is one for dh to deal with I think, plus apparently they think they may have Covid, but don’t test, which we still try to swerve especially with ds2 living here with asthma, so it will probably be a call not a visit. I think it’s his brother he needs to speak to! 

    I would think not much is happening here today now, i might make a nice slow cooker dinner for everyone as it’s Sunday and I have lots of frozen chicken. I’ve got three more parcels to post too 😬 I’m around £130 sales on vinted now roughly, I’ll check later and add some more things. This might be the start of a whole new money making venture perhaps, I love the idea of selling second hand clothes so maybe there’s a way to look into that. 

    MFW 67 - Finally mortgage free! 💙😁
  • skint_spice
    skint_spice Posts: 13,396 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    That’s a great start on Vinted, well done.
    Mortgage OP 2025 £6000/7000
    Mortgage OP 2024 £7700/7000

    Mortgage balance: £36,680

    ”Do what others won’t early in life so you can do what others can’t later in life” (stolen from Gally Girl)
  • Hope things sort themselves out.
    I know people who pick up items from charity shops just to sell on Vinted.  I am not that much of a fashionista that I know what are good makes, but might be worth doing some research, checking items out in the charity shops and then seeing how much they sell for on Vinted. 
  • Watty1
    Watty1 Posts: 6,761 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    i sometimes watch charity shoppers on reels who do just that.   The key is knowing the brands but I think it could be done.   My sister made a study of a china brand, patterns sold prices etc on a spreadsheet for 3 months before starting a business selling just that, she watches ebay sales like a hawk, snaps up anything under priced and resells.

    I can see you could do similar with just a few brands that appear in charity shops.   I've often thought about that too!
    Made it to mortgage free but what a muddle that became

    In the event the proverbial hits the fan then co-habitees are better stashing their cash than being mortgage free !!
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