Blog

Goal Setting – 10 Important Areas

“What would I do if I were me?” Goal setting. We have a hate/love relationship with it. Some of us use New Year’s Day to make goals. What better time to make goals than the present? I love goals. They allow me to strive for something to make myself better. So, I just got done reading a post where Derek, the author was writing about asking himself what he would do in various situations and put out a challenge to set some goals in different areas of his life. I thought it was pretty cool, and thought I would put up […]

Are You a Slave to Debt?

I saw this in one of my Facebook groups and thought I would share. The truth of this quote just struck me funny. How true, but sad that in today’s society, we can’t always see the shackles people are wearing, but they are still there, keeping people from their dreams and tying them to a job they don’t like among other things! Which way are you working? Towards more debt or towards freedom? I would challenge you to develop a plan to work off and free yourself from this bondage that we call debt! Some interesting debt facts to consider: Credit Card […]

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!

Leave a Reply

Your email address will not be published. Required fields are marked *