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Living a More Purposeful Life One Cent at a Time

debt payoff

How $39 Changed Our Mortgage Payoff Journey Forever

January 22, 2020 by Penny 29 Comments
How $39 Started Our Mortgage Payoff Journey

Last year was a good year for our mortgage. More accurately, it was a good year for making strides toward getting RID of our mortgage. Not only did our principal dip below six figures for the first time; we also managed to put one of the highest amounts of money toward our principal ever. Thanks … [Read more…]

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Posted in: Spend Tagged: debt, debt free, debt paydown, debt payoff, extra mortgage payment, interest, mortgage, mortgage debt, principal

Smashing 6 Figures of Debt & Learning From What Doesn’t Apply to Me

August 19, 2019 by Penny 16 Comments
Paid Off 6 Figures of Debt in 7 Years

There’s no sense in burying the lede: Our mortgage finally dipped below six figures. Specifically, we now owe $99,884. And I can’t stop smiling. Mathematically, very little has changed. Technologically, it was just a few clicks and a single payment. Mentally? Psychologically? Emotionally? That is another story, friends. We all know that money is never … [Read more…]

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Posted in: Plan Tagged: debt, debt payoff, goals, inspiration, mortgage, mortgage debt

Lessons Learned from Putting $33K Toward Debt Last Year

March 27, 2019 by Penny 19 Comments
Debt Paydown Progress: $33K in One Year

I hate my mortgage. How’s that for today’s installment of Truths That Surprise No One? No amount of rationalizations have ever made my mortgage seem palatable. I know our interest rate is low. I know we bought at a great time. I know that my money could be working harder for me in the market. … [Read more…]

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Posted in: Spend Tagged: debt, debt payoff, expenses, frugal, homeowner, homeownership, income, mortgage, mortgage payments, mortgage payoff

Celebrating Your Money Wins – Volume 12

January 11, 2019 by Penny 8 Comments

Normally, this money wins series is all about celebrating small victories. In past editions, I’ve shouted from the blog rooftops about everything from reversed credit card fees to rounding up paycheck pennies for charitable causes. But you know what? It’s the start of a new year, and it’s time for some major motivation. We made … [Read more…]

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Posted in: Celebrate Tagged: debt, debt payoff, freelance, freelancing, money wins, mortgage, part time, quitting, self employment, student loans, writing

Holiday Money Wins 4

December 21, 2018 by Penny 4 Comments
Win with money over the holidays

It’s the shortest day of the year, but we’re going to party hard. And not just because every day from here on out gets a little bit lighter and brighter for a little bit longer. Nope, we’re celebrating because the holiday money wins came pouring in this week. Why? I suspect a lot of us … [Read more…]

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Posted in: Celebrate Tagged: 529, celebrations, Christmas gifts, debt, debt payoff, holiday, money wins, student loans, wins

Holiday Money Wins

November 19, 2018 by Penny 5 Comments
Holiday Money Wins

It’s the most wonderful time of the year, and it’s also the spendiest. Or is it? If you believe news channels or angry tweets, then maybe. It seems that most people look at this time of year as one in which we lose what little willpower we have and become total gluttons, mindlessly downing empty … [Read more…]

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Posted in: Celebrate Tagged: celebrations, debt payoff, gifting, gifts, holidays, money wins, mortgage, mortgage milestone, presents, Secret Santa, Swagbucks

Celebrating Your Money Wins – Volume 7

August 10, 2018 by Penny 17 Comments

How much money will I have to make before I stop getting excited about free food at work? Alright, friends, I must confess. This is a trick question. I don’t think the dollar amount exists. My money win for the week is actually a look ahead. Teachers are scavengers. Truly. If you think the kids … [Read more…]

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Posted in: Celebrate Tagged: celebrate, consumer debt, credit card debt, debt, debt payoff, groceries, grocery budget, money wins, mortgage, mortgage payment, windfall, wins

Both is Best: We’re Asking the Wrong Money Questions

April 18, 2018 by Penny 13 Comments

Chocolate or vanilla? Cake or ice cream? Beach or mountains? Either/or questions might have their place when it comes to icebreakers or dating profiles, but they have also become incredibly pervasive in personal finance. Pay down debt or invest? Grow your income or cut expenses? Donate time or donate money? Focus on little leaks or … [Read more…]

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Posted in: Wonder Tagged: budgets, charity, debt, debt payoff, donations, giving, investing, latte, latte factor, mortgage, savings, spending, volunteering

A Look at our Biggest Mortgage Payment to Date

December 4, 2017 by Penny 19 Comments

There are two camps in personal finance: those who pay their mortgages early and those who don’t. We are in the first camp. Rather, we were. When we found out I was expecting, we took the interwebs’ advice and stopped making extra payments toward our mortgage, funneling the money into a Baby Fund instead. Now … [Read more…]

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Posted in: Spend Tagged: debt, debt free, debt payoff, goals, homeowner, house, mortgage, payment, prepayment, savings

Debt & Investing: Which Path Do You Choose?

February 22, 2017 by Penny 24 Comments

I don’t set goals. But I do get set in my ways. Since I’m so charming, it all works out. Right? Riiiiight. For more than the past year, we have implemented the exact same approach to paying down debt and investing–do both as well as we can. And it’s working. But I also wonder if … [Read more…]

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Posted in: Save Tagged: debt, debt payoff, investing, mortgage, roth, Vanguard
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