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It is currently Fri Apr 29, 2016 5:07 am



Viewing profile - CecilyC

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CecilyC
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Joined: Fri Jul 10, 2009 6:57 am
Last visited: -
Total posts: 440
[0.50% of all posts / 0.18 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 421 Posts / 95.68% of user’s posts ]
Most active topic: GOAL: burn the mortgage ($78,491.72) by 2018
[ 220 Posts / 50.00% 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 Apr 02, 2016 6:37 am 

Replies: 394
Views: 116318


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: 394
Views: 116318


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: 95
Views: 46170


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: 394
Views: 116318


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: 394
Views: 116318


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: 197
Views: 62169


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: 394
Views: 116318


"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: 394
Views: 116318


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: 156
Views: 75499


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: 394
Views: 116318


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: 394
Views: 116318


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: 394
Views: 116318


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: 3841


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: 89704


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...
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