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It is currently Thu Aug 25, 2016 3:05 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: 446
[0.50% of all posts / 0.17 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 427 Posts / 95.74% of user’s posts ]
Most active topic: GOAL: burn the mortgage ($78,491.72) by 2018
[ 224 Posts / 50.22% of user’s posts ]

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CecilyC Posts

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 Forum: Fiscal Fitness Journals   Topic: Countdown to Student Loan Payoff

Posted: Mon Aug 08, 2016 7:12 am 

Replies: 23
Views: 17077


Been reading through your journal and I am both impressed and sympathetic. Impressed that you're paying off your targets, one by one -- gotta love that snowball method! It really does work! And sympathetic: I too struggle with the spending issue. I tend to be overly ambitious with my savings/debt re...

 Forum: Fiscal Fitness Journals   Topic: Joy's Journey

 Post subject: Re: Joy's Journey
Posted: Mon Aug 08, 2016 7:06 am 

Replies: 29
Views: 10399


Just read through your journal. You're making great progress on both debts! Hang in there and keep up the good work, and pat yourself on the back every once in a while.

Cheers,
CecilyC

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

Posted: Wed May 18, 2016 3:09 pm 

Replies: 400
Views: 121232


Great progress. I'm starting to get back on the prepay train. I've been off it since we (1) refinanced to 2.75% and went down to a 15 year mortgage from a 25 year mortgage and (2) had a baby which brought along lots of expenses. I'm thinking of getting back on b/c our insurance has gotten so expens...

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

Posted: Tue May 17, 2016 5:52 am 

Replies: 400
Views: 121232


Made the second prepayment today to bring the balance down to $25,189 . I've been hit by the decluttering bug -- partly because of a recent trip, partly because it's that time in the school year where I'm exhausted and sick of everything, and partly because I just have TOO. MUCH. STUFF. I just want ...

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

Posted: Tue May 03, 2016 5:53 am 

Replies: 400
Views: 121232


Tra la, it's May! I think I love spring even better than fall -- there's something about new leaves and tulips and fruit blossoms that just stirs the soul. Housman put it well: ...to look at things in bloom/Fifty springs are little room." Made the first pre-payment this month; after the regular...

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

Posted: Sat Apr 16, 2016 8:59 am 

Replies: 400
Views: 121232


Made the second prepayment of April to kick the balance down to $25,996! Hello, twenty-five thousandses, nice to meet you! Loving the new car. Wish I could have bought it sooner, but the financial timing is definitely better this way. Once the old car is sold, it won't take more than a few months to...

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

Posted: Sat Apr 02, 2016 6:37 am 

Replies: 400
Views: 121232


Hey everybody -- made a big life decision this week: I decided not to pay down the rest of the mortgage early, and to save up for a Tesla model 3 instead. April Fool's! :rofl: However, I *did* decide to jump on a very reasonably priced used hybrid car (Prius c) last week, using money I had built up ...

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

Posted: Wed Mar 16, 2016 6:34 am 

Replies: 400
Views: 121232


March marches onward...this month always seems to go by in a blur. No leaf buds yet, but no ice, either, so I'm happy. Except for Daylight Savings, which sucks.

Made the second prepayment this month to lower the balance to $26,799! Kicked down into the twenty-six thousandses, huzzah!

CecilyC

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

Posted: Sat Mar 05, 2016 8:40 am 

Replies: 100
Views: 50054


I went a little nuts and moved a bunch of money around so that I could reduce my number of goals. Changes include: - Second to last student loan was paid off. Student loan balance stands at $8300. Can't wait to kill it. - First major house project is finished and crossed off the list. We're anticip...

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

Posted: Sat Mar 05, 2016 8:35 am 

Replies: 400
Views: 121232


March has arrived! In my neck of the woods it's unseasonably warm -- not that I am complaining. I did enough shoveling and ice-chipping last winter to last me for several years. Regular mortgage payment dropped the balance to $27,264.33 ; made the first prepayment to drop it to $27,059 . Gonna knock...

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

Posted: Sat Feb 20, 2016 9:13 am 

Replies: 400
Views: 121232


Yes, Fiddlefaddle, that's true -- hadn't thought of it like that! :) Of course, I have never owned a car that would be worth that much even new, so I tend to think of car prices more in the teens range. But that'll be a fun benchmark to look forward to: when my mortgage is less than what I paid for ...

 Forum: Fiscal Fitness Journals   Topic: Holding Fiddlefaddle Accountable!

Posted: Wed Feb 10, 2016 3:49 pm 

Replies: 199
Views: 65015


Good luck with the house purchase! Being out of the McMansion might make it sell faster, too. Sometimes empty houses sell better. Fingers crossed for you.

Cecily

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

Posted: Tue Feb 02, 2016 7:29 am 

Replies: 400
Views: 121232


"OK, campers, rise and shine! And don't forget your booties, 'cause it's COOOOOOLD out there today..."

Made the first prepayment this morning to drop the balance into the 27Ks! New total is $27,870. Down, down, ever downwards...

Hoping for that early spring,
CecilyC

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

Posted: Sat Jan 16, 2016 6:13 am 

Replies: 400
Views: 121232


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...
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