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Viewing profile - Samantha

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Samantha
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Joined: Fri Aug 22, 2008 11:10 am
Last visited: Thu Nov 19, 2015 10:51 am
Total posts: 226
[0.26% of all posts / 0.08 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 132 Posts / 58.41% of user’s posts ]
Most active topic: Samantha's goals
[ 110 Posts / 48.67% of user’s posts ]

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Samantha Posts

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 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Nov 19, 2015 7:32 am 

Replies: 239
Views: 89808


Hello Everyone! I'm BAAACCCKKK! To recap, we paid off our mortgage (the last debt) about a year ago. We had a Mortgage Burning Party last October, which was amazing! And I stopped tracking progress toward a specific goal and the budget just went into autopilot. I see just about everyone had the same...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Sep 18, 2014 11:55 am 

Replies: 239
Views: 89808


Current Mortgage Balance: $0.00

WOOOT!

:D

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Mon Aug 25, 2014 12:03 pm 

Replies: 239
Views: 89808


Thanks so much everyone!!! @Eagle: Mortgage Murder Day next month is still up in the air - it will almost certainly be a payday toward the end - either Sept 19th or 26th. As far as goals... woooo that is a long list. We have quite a few budget changes - things have been tight around here so I'm look...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Fri Aug 22, 2014 8:59 am 

Replies: 239
Views: 89808


Crazy news and progress!!! Current Mortgage: $2,483 :o :o :o You might need to do a double take up there! We are definitely going to kick this sucker to the curb NEXT MONTH, PEOPLE! I am still completely in shock. Our new debt-free goal is our anniversary (can you believe we've been married four yea...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Jul 31, 2014 1:34 pm 

Replies: 239
Views: 89808


Woo hoo - thank you Pisces and Dave for the encouragement! Current Mortgage Balance: $15,773 In a combination of luck, hard work, and VERY conscious spending, we are right on track for July, and expect to remain so in August (otherwise known as the Month of Three Paychecks!). We are also tossing aro...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Mon Jul 07, 2014 9:45 am 

Replies: 239
Views: 89808


End of June update: $ 19,425 ! We are SO hugging that goal line of 12/2014 payoff. In June we squeaked under with a $7 margin, seriously. We've tightened the budget (again) - decided to halve our blow money fund, and we capped our home and car repairs fund to divert that money to the mortgage. Also,...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Fri May 30, 2014 8:00 am 

Replies: 239
Views: 89808


Thank you everyone for the encouragement. Lots of GOOD NEWS to share!! I am in the last week of a 30-day challenge to simplify my life. The game is this: give away 1 item on day 1, 2 on the second day, 3 on the third... etc. and by the end of the month you are getting rid of 28, 29, 30 items PER DAY...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu May 01, 2014 8:16 am 

Replies: 239
Views: 89808


Current Mortgage Balance: $27,130. Putting us $1,275 behind this month's goal. (ugh) We are consistently falling behind month after month. I know our ultimate goal was crazy ambitious. I have listed many items on Craigslist and sold NOTHING. It's making me a bit discouraged. With no roommate, and wi...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Wed Apr 02, 2014 1:27 pm 

Replies: 239
Views: 89808


Wow... it's been a while. Current Mortgage Balance: $29,470 We're finally in the 20s! Yay! I'm older than the mortgage, haha. We are about $500 behind our goal right now (of paying it off by the end of this year). It seems like we're slowing falling behind more and more each month. But we decided th...

 Forum: Personal Finance   Topic: Rainy Day Fund - Mortgage Payoff?

Posted: Mon Jan 27, 2014 10:05 am 

Replies: 16
Views: 2641


I'll jump into this discussion, since it is my emotions/thoughts making the decision. We've tried to honestly weigh the pros and cons, and the feel-good factor of paying it off in 2014 was just one of the pros. I think the risk of using part of our emergency fund is negligible, like bpgui stated. An...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Wed Jan 22, 2014 9:01 am 

Replies: 239
Views: 89808


Yes, I will be 31 and DH will be 33, with absolutely no debt holding us back! People keep asking what we'll do with no payments... and all I can think is... ANYTHING WE WANT! haha. Dave Ramsey was super nice and down to earth! He was shaking everyone's hand, making jokes, and even helping his team s...

 Forum: Personal Finance   Topic: Assassinate your Mortgage Loan *here*

Posted: Wed Jan 22, 2014 8:46 am 

Replies: 39
Views: 8698


So exciting Dave! You may have your mortgage paid off in one MONTH! I forgot to check in to this thread after last summer. I have been updating my own journal though at http://www.getrichslowly.org/forum/viewtopic.php?f=11&t=2526 if you are interested in looking back on our journey. Currently th...

 Forum: Personal Finance   Topic: Rainy Day Fund - Mortgage Payoff?

Posted: Wed Jan 22, 2014 8:09 am 

Replies: 16
Views: 2641


Thank you everyone for the input! Honestly I am surprised that no one said "Heck no that is a terrible idea! What IF...." Makes me feel better about going against the rules. I know if I called Dave Ramsey on the radio he wouldn't wait to hear the whole story before saying DON'T DO IT! haha.

 Forum: Personal Finance   Topic: Rainy Day Fund - Mortgage Payoff?

Posted: Mon Jan 20, 2014 10:47 am 

Replies: 16
Views: 2641


@Ranger - I bet we could do it in 2 months if we really wanted to!
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