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Living a More Purposeful Life One Cent at a Time

mortgage

We Could Pay Off Our Mortgage – So Why Aren’t We?

June 15, 2020 by Penny 19 Comments
Waiting to Be Mortgage Free

Somewhere in the swirl of a pandemic, long overdue protests, and a slew of personal ups and downs, we paid our taxes. We also made a really exciting discovery during the deepest financial dive we do all year. A money milestone that I’ve been pursuing relentlessly unfolded: we could pay off our mortgage. But we … [Read more…]

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Posted in: Plan Tagged: COVID, emergency fund, giving, mortgage, mortgage free, mortgage freedom, pandemic

Why Would a Frugalista Who Hates Her Mortgage Spend a Stimulus Check?

April 20, 2020 by Penny 10 Comments

I hate my mortgage. If you’ve read my blog at all, you’re probably acutely aware of how much it eats away at me on psychological and emotional levels. You also probably know that I can be the queen of frugal, even if it makes things downright awkward. So why in the world would this frugalista … [Read more…]

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Posted in: Spend Tagged: charity, consumerism, investing, local, local businesses, mortgage, recession, shop small, small business, stimulus, stimulus check

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

My Goals for 2020

January 15, 2020 by Penny 11 Comments
Planning out 2020 goals

Productive decluttering. Declutter productively. Less waste. Waste less. I had all sorts of flowery ideals and aspirations written out in a notebook. My plan was to simply transfer it into a blog post, slap a title on it, and call it my goals for 2020. The problem is that none of those visions were concrete … [Read more…]

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Posted in: Plan Tagged: clutter, debt, decluttering, goals, health, investing, mortgage, wellbeing

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

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

Celebrating Your Money Wins – Volume 19

July 29, 2019 by Penny 10 Comments
Summer Money Wins

Earlier in the month, I thought it would be fun to celebrate summertime money wins. I reached out to the community, and I was floored by the number of people who had money wins to share. Then, a reader reached out to me to let me know that the money wins post was actually linked … [Read more…]

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Posted in: Celebrate Tagged: debt, downsize, downsizing, expenses, extra mortgage payment, FI, FIRE, housing, mortgage, PMI, travel hacking

The One Where I Set Too Many Goals: Q2 2019 Recap

July 1, 2019 by Penny 10 Comments
Q2 2019 Goals Recap Summer

We’re halfway through the year! I’m not sure if I should be looking for congratulations or condolences. There’s nothing quite like the calendar flip to July to make me think long and hard about what I’ve done with my year…and what I have left to do. First up is an exploration of my goals for … [Read more…]

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Posted in: Wonder Tagged: fitness, goals, goals recap, health, mortgage, recap

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

The Only Money Thing I Want to Do By 33

April 24, 2019 by Penny 17 Comments
My Money Time Capsule at 33

Aging is not a death sentence. It is, in fact, the exact opposite. Each birthday is another opportunity to grow, and it’s not just about becoming long in the tooth. People travel forward on their journeys, even if especially if their journeys aren’t straight lines. Of course, our thoughts and views change. What doesn’t get … [Read more…]

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Posted in: Celebrate Tagged: 403(b), birthday, debt, goals, investing, mortgage, Roths, teacher, teaching
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