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It is currently Sat Feb 06, 2016 1:39 pm



Viewing profile - CecilyC

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CecilyC
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Joined: Fri Jul 10, 2009 6:57 am
Last visited: -
Total posts: 433
[0.49% of all posts / 0.18 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 414 Posts / 95.61% of user’s posts ]
Most active topic: GOAL: burn the mortgage ($78,491.72) by 2018
[ 215 Posts / 49.65% of user’s posts ]

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CecilyC Posts

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 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Sat Jan 16, 2016 6:13 am 

Replies: 387
Views: 110207


Made the second prepayment to bring the balance down to $28,410. The bank now thinks I'll pay it off in May 2022 (morons). Plus, it looks like next month the "interest" part of my payment will dip permanently below $100! Love these little milestones... I find myself thinking about having t...

 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Wed Jan 13, 2016 4:08 pm 

Replies: 142
Views: 67934


Wow, good for you!! Must feel incredibly satisfying to knock it down by so much in one "swell foop."

You rock!
CecilyC

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Tue Jan 05, 2016 8:21 am 

Replies: 387
Views: 110207


Happy 2016, everybody! Still trying to wrap my head around how quickly the time is going by...in three years, if I can keep going, I'll be organizing my mortgage burning party! Made the first pre-payment of the year, which, with the usual payment, brings the balance down to $28,666 . Off to the race...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Thu Dec 17, 2015 8:58 am 

Replies: 387
Views: 110207


Well, I had to toss my cybercookies again, but I'm now able to tell you that the final prepayment of 2015 has been made, huzzah! Here's where things stand at the end of the year: January balance: $38,261 December balance: $29,200 :rock: Next year's goal is to reach $19,780 by December 2016. Gonna pu...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Wed Dec 02, 2015 3:51 pm 

Replies: 387
Views: 110207


Happy December! After this month's regular payment and the first pre-payment, the balance is now $29,440. One more prepayment left this calendar year! Meanwhile, I need to start thinking about holiday shopping....and 2016 plans...

CecilyC

 Forum: Fiscal Fitness Journals   Topic: Payoff Home or Wait!

 Post subject: Re: Payoff Home or Wait!
Posted: Fri Nov 20, 2015 6:10 am 

Replies: 3
Views: 3149


Philosophies vary wildly on this, but I'd say help your kids as much as you can until they graduate from college, then switch to killing the mortgage. The less student debt they have at graduation, the farther ahead they will be and the less reliant on you.

CecilyC

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Nov 19, 2015 9:09 am 

Replies: 239
Views: 87468


Hello Everyone! I'm BAAACCCKKK! So we met with a fee-based CFP. Unfortunately he seriously could not wrap his head around the idea of "extreme early retirement", and literally told us to "live a little". His software pretty much exploded when he tried to make it spit out numbers...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Thu Nov 19, 2015 9:02 am 

Replies: 387
Views: 110207


One week until (US) Thanksgiving, and I'm giving major thanks because I'm now able to say that the mortgage balance is...drumroll please... $29,999!!!! So long thirty thousandes, helloooooo twenty-nine thousandses! It's a new decade, so to speak. Always exciting to break a ten-thousand mark. Next on...

 Forum: Fiscal Fitness Journals   Topic: Holding Fiddlefaddle Accountable!

Posted: Sat Nov 07, 2015 3:09 pm 

Replies: 191
Views: 59512


Hi B&A, thanks about the car loan. Yes, her dad is in an apartment a few miles away. It's helpful for all of us to be close by. Pay day, plus some reimbursement checks over the past week means good progress on my goals! 2015 Goals: Pay off car loan - $1,640 - done! Build checking account up to ...

 Forum: Fiscal Fitness Journals   Topic: Lanthiriel's 2013 Fitness Journal

Posted: Sat Nov 07, 2015 3:06 pm 

Replies: 91
Views: 43622


This has been a bad year for delayed gratification. Our DREAM puppy suddenly became available, and we jumped on it. We did a pretty good job keeping start up expenses down as we already have a dog, and his crate (which he doesn't really use) and other accessories will do for now. Moving forward, we...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Sat Nov 07, 2015 3:03 pm 

Replies: 387
Views: 110207


lanthiriel wrote:
Congrats on the new dog! We're insane and got a new dog this weekend too. Aren't they the best?


Definitely! It feels wonderfully normal to have a dog around the house again. Roomba, cuddlemate, security alarm -- the whole package. Congratulations on your new arrival!

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Tue Nov 03, 2015 9:51 am 

Replies: 387
Views: 110207


Four days later, here I am again, making the first monthly pre-payment! I upped it a bit, snowflaking away so I can push the balance down below 30K this month. Hoping to do the happy dance just before Thanksgiving. ;) Balance after regular payment was $30,515.80; balance after prepayment will be $30...

 Forum: Fiscal Fitness Journals   Topic: GOAL: burn the mortgage ($78,491.72) by 2018

Posted: Sat Oct 31, 2015 8:16 am 

Replies: 387
Views: 110207


Whew! What a busy month! Here it is Halloween and I haven't posted since mid-September. Sorry, guys. So the big news is -- I adopted a dog! He's about a year old (we think), a black lab mix of some kind with a white chest stripe and a somewhat curly tail. I think lab and kangaroo, or lab and Tigger ...

 Forum: Fiscal Fitness Journals   Topic: Holding Fiddlefaddle Accountable!

Posted: Tue Oct 13, 2015 5:47 pm 

Replies: 191
Views: 59512


I'm still going back and forth with the seller of the house I want to buy. She's elderly and she doesn't seem to be in any hurry to get the process started. She says that she cannot possibly be ready to close before November 30. That's 7 weeks from today! :( If there were other houses I liked, I'd ...
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