WHERE HAVE I BEEN?

Sorry it has been so long since I have updated everyone.  I came down with “A” virus…not “THE” virus.  Then “THE” virus came along which caused a lot of depression, anger, confusion, etc. I work for a hospital.  At first we were told not to wear masks because it would scare the patients, then we […]

HOW TO GET YOUR SPENDING UNDER CONTROL #2 or HOW TO USE THE ENVELOPE METHOD OF BUDGETING

In keeping with living below your means there are multiple ways to go about it.  I think the easiest to start with is to buy purchases using cash whenever possible. Think about it.  When you use your ATM or credit card do you really “think” about the money coming out of your checking account or […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #7)

On 11/4/19 I paid an extra $419.04 to my principal which puts my balance down to $130, 477.92. So far with regular monthly payments I have paid off almost $10,000.00 since my very first house payment in April 2019 (8 months).  If I wouldn’t have made extra payments, my balance would be $138,603.13 with still […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #6)

I am trying to catch my blog posts up to where I am at on my amortization chart.  So here is another update, this time for October. And the 2nd chart, which shows I am now down to $131k. What would you give up to pay extra to your principal in order to pay off […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #5)

It’s time again….here is the amortization chart.  It’s getting rough with Christmas on the way. Yes, you need to set aside money for Christmas.  No big spending. Do you even remember what you bought your brother or sister last year? How about the year before?  My family has a “Secret Santa” Christmas, so that helps […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #4)

Well here I am again…trying to keep my promise by updating the paying off of my mortgage post by posting every 2 weeks.   For this post I am showing you the month of August.   I was only able to pay $1183.11 towards the principal this month.  I was saving cash for an upcoming vacation. As […]

PAYING OFF DEBTS

On your way to being a senior citizen, it is very important that you become debt free prior to retiring.  Your life will be so much more enjoyable without having the stress and worry about paying credit cards and car payments. I first started off reading the blogs by Mary Hunt.  Mary Hunt is an […]

PAYING OFF MY HOME ONE MONTH AT A TIME (post #3)

I know, I know….I was supposed to have this 3rd post out a couple of weeks ago but…..it’s very hard when your BF is already retired and wants to spend your days off with you. I’ll take all of the time with him I can get!!! So here we go: How does that look?  I […]