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Weight Loss Yo-Yo’s – My Stick In The Sand Starts Now!

So many of us do it. We want to lose those 10 or 20 pounds. We get excited and start to get on board, but by day 5 we are back into our old habits. Why do we do this? Why is it so hard to stay on track? I know that I’ve been trying to get back under 200 for some time now and everytime I start to get things going the right way, I lose hope for some reason, or I stop making watching what I’m doing a priority, or I just stop caring and start indulging once […]

April 2015 Net Worth Update

April 2015 – A Post About Net Worth

So, lately I’ve been very interested in reading and writing about raising our net worth. Since we just finished our 9 week class that we facilitated for the first time in our home called “Financial Peace University”. We have been following the Baby Steps that FPU teaches since 2011 and have since been able to pay off all of our debt other than our personal residence, replace our cars by paying cash, create a monthly budget that we follow, build up an emergency fund that is at this time 70% funded towards our goal of $15,000, and lastly, we’ve been […]

2 Comments

  1. I love the net worth updates. I do this monthly myself and see myself in you as i get excited for $2 a month increase in principle!!! lol. A couple questions: Do you have a sample budget that you use? Also, have you considered refinancing your mortgage again? Over 4% is still pretty high. You can get a 15 year under 3% and probably wouldn’t change your payment much. Keep up the good work!

    • Hi Susan! Thanks for stopping by. I love watching the interest slowing fade away on the monthly interest! It’s so motivating!

      As far as sample budget, I use google sheets to run my budget. Are you looking for my numbers for that or looking for a spreadsheet you can plug your numbers into?
      On the mortgage, yeah I know we are a little bit high on the mortgage, but we weren’t ready to go down to a 15 year yet because we didn’t have enough equity yet not to have to bring a large sum to the table at closing so we are down to less than 19 years left… we will revisit our mortgage again pretty soon though. Our credit is great since we don’t have anything out there but our mortgage and a Kohl’s card that we don’t use but for the discount… I will have to see about the mortgage again though, thanks for the suggestion!

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