That's a good feeling

I logged into the internet banking site of our bank this evening to pay a phone bill. While there, I noticed that our mortgage balance is $536.67.

Credit.

(i.e. positive balance, money in the bank so to speak)
It's a good thing to know that the mortgage is paid off. We're not completely debt free (we have investment loans and some small amounts on credit cards), but at least the house is ours. Bought & paid for, in full! :D

Well, ok, the house is also security against the investment loans, but then, so are the investments we have. Which aren't worth anywhere near what they were a year ago, but the price/earnings ratios are just ridiculous at the moment (i.e. many shares seem to be very under-valued on the stock market). I expect the prices will eventually climb, a lot, and in the meantime any dividends we get will help to manage the investment loans. After all, in the past few years they've helped us pay off our house, a mere 20 years early... :D