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Viewing profile - chriscabob

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chriscabob
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Joined: Thu Jun 09, 2011 12:13 pm
Last visited: Thu Apr 02, 2015 2:34 pm
Total posts: 15
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Fiscal Fitness Journals
[ 13 Posts / 86.67% of user’s posts ]
Most active topic: New grad with a mortgage to burn (175k)
[ 12 Posts / 80.00% of user’s posts ]

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chriscabob Posts

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 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Fri Dec 19, 2014 4:24 pm 

Replies: 15
Views: 7981


Wow totally somehow forgot about this forum for a year, even though I still frequent the site about once a month to read the articles. Still going strong with killing the mortgage, balance now sits at $52,779.28. Goals are on track, SUV auto loan still has $7562 left with the car 3 months shy of two...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Tue Oct 15, 2013 1:51 pm 

Replies: 15
Views: 7981


Sounds like you are doing great! Yeah the way Canada handles scholarships is different from the US. When I had a graduate fellowship, they didn't take out for social security (so those years show me as not working) but all other taxes needed to be paid. When I got married to my husband, since he ma...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Fri Jun 14, 2013 1:47 pm 

Replies: 15
Views: 7981


I'm surprised the canadian gubimint allows one to "make" money off of scholarships. In the US, each school publishes a total cost of attendance. Any scholarship money above that amount is taxed as income. I suspect not being "married" gives her some preferential treatment as wel...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Tue Apr 09, 2013 12:33 pm 

Replies: 15
Views: 7981


Mortgage is now at $114,134 with 4 biweekly payments left in our second year of having the mortgage. Payments are 400 biweekly currently, plus our doubling and prepayments to bring it to 1100. We are continuing on our track to have the mortgage gone in the original 5 year term. With 36.3k left to pa...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Thu Nov 22, 2012 10:30 am 

Replies: 15
Views: 7981


Mortgage now sits at $133,009.42, were going to throw our annual 10k prepayment at it in March. We have now saved enough cash (25k) to purchase a CUV, which will happen in April or May. We are looking toward the Tuscon or Mazda Cx-5 as they have nice appeal to us while not being gas hogs. The CX-5 d...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Thu Aug 09, 2012 10:44 am 

Replies: 15
Views: 7981


Our mortgage is taking a nice beating which is exactly as I've hoped for. Balance is currently sitting at $140,928.04 :) Over 34k gone in 14 months, keeping in mind that i didn't start off with the heavy payment schedule ongoing now. Got engaged on our 2 week trip in Ecuador, havent merged finances ...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Tue Mar 06, 2012 2:08 pm 

Replies: 15
Views: 7981


Mortgage is now sitting at $155,658.72, first national thinks it will take another 15 years and 9 months. We're still planning on getting it done by May 26th 2016 ( the end of the 5 year term). Have another 5k prepayment ( coming from the GF this time around) scheduled in the upcoming 6-7 mortgage p...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Mon Jan 30, 2012 4:00 pm 

Replies: 15
Views: 7981


So it's been awhile since an update, I figured since I still visit the site daily I owe it to myself. Our mortgage now sits at 163,406 with a now regular payment of 1050 of which only ~140 now goes to interest and an additional 5000 set to hit this friday, using up some extras funds sitting around a...

 Forum: Personal Finance   Topic: Internet/Cable rates

 Post subject: Re: Internet/Cable rates
Posted: Tue Oct 18, 2011 6:30 am 

Replies: 18
Views: 2579


we pay 24.95 for extreme internet from shaw and 22.95 for digital basic.

Student rates because the gf is doing her PHd. 4 years left :)

 Forum: Personal Finance   Topic: Suggestions, Please

 Post subject: Re: Suggestions, Please
Posted: Wed Sep 21, 2011 10:48 am 

Replies: 50
Views: 4979


As for the cars/entertainment, that's what we enjoy spending our money on. We don't have trouble paying our bills, and have a healthy bank account. Sure, we'll be much more comfortable once the debts are paid in full, but that's where we enjoy spending the discretionary money we have, and choking o...

 Forum: Fiscal Fitness Journals   Topic: Demolish that debt

 Post subject: Re: Demolish that debt
Posted: Thu Sep 08, 2011 7:33 am 

Replies: 71
Views: 32138


Sorry for being so blunt but I have quite a few questions / statements. First the house: you said you owned one previously and were ahead on the payments and sold for a profit so why did you still end up taking on a mortgage for 535k out of the 575k value at the time for the house, thats a very high...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Tue Sep 06, 2011 11:02 am 

Replies: 15
Views: 7981


It's been two months since I last posted so i figured its time for an update. The mortgage now sits at $172,089.77. I've changed my prepayments to now be 300 every payment which is rapid biweekly vs how I was doing 500 every second payment, cut back on eating out an extra day per week at work. The g...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Wed Jul 06, 2011 8:39 am 

Replies: 15
Views: 7981


I would lock that down to a 5-year fixed immediately . Mark Carney has made it widely known that he's itching to raise interest rates, and was already hoping to start this summer. He's begrudgingly waiting, but it's inevitable, and just around the corner. You can lock that down at 3.69% fixed today...

 Forum: Fiscal Fitness Journals   Topic: New grad with a mortgage to burn (175k)

Posted: Mon Jul 04, 2011 10:24 am 

Replies: 15
Views: 7981


Hello to all, have been reading GRS for the last 4 years and finally have decided to take advantage of the forums to get some reflection on my financial well being I suppose. Myself and my girlfriend of 4 years moved to Calgary last July after our month long trip around Europe as a grad present to o...
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