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Living a More Purposeful Life One Cent at a Time

mortgage payoff

One Last Big Money Move of the Year

December 16, 2019 by Penny 14 Comments
One Last Big Money Move of the Year

One last big money move of the year. I was going to say decade, but I decided to take a little pressure off you. Pressure off me? It’s your money, Penny. I know that’s what you’re thinking. It is my money, and ultimately, it’s my decision. But like most things in life on this blog, … [Read more…]

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Posted in: Invest Tagged: debt, emergency fund, investing, IRA, mortgage, mortgage payoff, roth IRA, savings

Q3 2019 Goals: It’s Time to Focus

July 8, 2019 by Penny 5 Comments
Goals for Q3 2019

The year is more than half over. In less than six months, it’ll be 2020. And if I’m entirely honest, I’m not even sure that I’m totally used to calling this year 2019. Knowing that we’re in the downhill half of the year, my instinct was to step even more goals. However, after realizing how … [Read more…]

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Posted in: Wonder Tagged: 529, focus, freelancing, goals, investing, mortgage payoff, retirement savings, side hustles, taxable account

When Should I Pay Off My Mortgage?

May 8, 2019 by Penny 34 Comments
When Should I Pay Off My Mortgage?

There’s no such thing as stupid questions. But I’m pretty sure I’m about to ask one. When should I pay off my mortgage? We’ve been homeowners for a while now. In fact, we were just awkwardly introducing ourselves to new neighbors down the street (I later found part of a stick in my hair, don’t … [Read more…]

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Posted in: Wonder Tagged: debt, early payments, extra payments, mortgage, mortgage debt, mortgage payments, mortgage payoff, mortgage recast, recast, refi, refinance

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

A Mortgage Milestone & More: 2018 Third Quarter Recap

October 10, 2018 by Penny 19 Comments

I love words. It’s sometimes weird electing to spend all of my virtual free time in a world that values numbers when it is really words that speak to me. But when I look back at my progress this year, I have a confession to make: The numbers make a difference. I used to be … [Read more…]

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Posted in: Plan Tagged: debt, Fitbit, fitness, Freecycle, goals, mortgage, mortgage milestone, mortgage payoff, online sales, quarter, six figures, steps

When You Can’t Do A Lot, Do A Little

July 30, 2018 by Penny 42 Comments

“Maybe we should just give up.” A blank stare greeted me. “OK. Not give up, but we could just push a really big pause button for the next five or ten years.” I got no reaction. Instead, silence hung in the air. Finally, something. “If that’s what you want. But I know that’s not what … [Read more…]

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Posted in: Invest, Plan Tagged: 403(b), debt, FSTVX, investing, mortgage, mortgage payment, mortgage payoff, progress, retirement, retirement account

Celebrating Your Money Wins – Volume 2

July 6, 2018 by Penny 10 Comments

Money wins matter, no matter the size. We covered that in the inaugural celebratory post. In an effort to prove my point, I thought I’d share what I’m currently delighting over. $8.55 is headed straight to our mortgage principal. In a recent post, I commented on how I was giving up on Poshmark. Because I … [Read more…]

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Posted in: Celebrate Tagged: budget, celebrate, extra payment, financial literacy, money wins, mortgage, mortgage payoff, scholarships

Minimize in May: A Decluttering Recap

May 31, 2018 by Penny 18 Comments

Get rid of your stuff without putting a burden on someone or something else? Sign me up! Britt at Tiny Ambitions created a mindful decluttering challenge called Minimize in May. It spoke to me for a lot of reasons. It’s important work. (I still have too much stuff). It’s more manageable. (You can only fail … [Read more…]

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Posted in: Declutter Tagged: #MinsGame, challenge, debt, declutter, growth, minimalism, minimalists, mortgage payoff, reselling, selling

Finding $500: What to do with Extra Income

February 19, 2018 by Penny 29 Comments

What would you do if you found an extra $500 in your budget? I mean, after you dry your tears of joy and dance around the kitchen (quietly, though, there’s a baby). After my salary was slaughtered this year thanks to an unpaid maternity leave and a bizarrely written contract that landed me with a … [Read more…]

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Posted in: Save Tagged: budget, e-fund, extra income, mortgage, mortgage payoff, raise, saving, savings, spending

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