About Me

29 yr old female trying to keep it together. I call my financial life a work in progress because though I have always had frugal inclinations I only recently started on an informal financial education with an end goal to make my money work for me! Of course I can be weak. Thai food, traveling, self-justification and laziness eat away at my savings. But I am getting there. I think. I used to be very jealous of the Jones' but now realize that they are broke and stressed so I prefer my own progress and accomplishments. My life may not be flashy but I have seen the consequences of a high-end lifestyle. I count myself lucky to be alive and aware in these economic times because I have learned so much and believe that in the long run I will come out farther ahead from a little suffering now. As long as I am not regressing, then I am pleased.

Fun fact to help navigate my posts: BB = Baseball Boy. My husband.
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2008 Short Term Goals
[x]Eliminate Credit Card debt
[X]Get married and pay off the wedding IN FULL
[X]Travel for 3 weddings and pay for each visit IN FULL
[x]Rescue a dog and pay all costs for him/her IN FULL
______________DONE!!_____________

2009 Short Term Goals
[ ]Save ALL eBay income in 2009
[X]Get a full time job
[X]Begin saving rental income for eventual rental renovation
[X]Buy a house with 20% down
[ ]Build a $4k Emergency Fund
[ ]Save 10k towards a back deck, backyard landscaping, and kitchen redo
[ ]Save $2k toward new car for hubby
[X] Pay $50 month extra on the mortgage

Long term goals *start by 2010*
[ ]Live on one income/bank the other income
[ ]Start an IRA for Baseball boy
[ ] have 1 NSD a week

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My November 2008 Wedding:
Total $23,630...Paid in Full! And had a BLAST!

2009 eBay Challenge $100/month:
$55

2009 Mortgage Challenge $50 extra/month!
So far I have added:
$375.00 extra principle payment!
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Quotes to keep me on track:

"Save FIRST and then spend the leftover, not spend first and save what's left."

"How you spend your money today effects the life you will live tomorrow."

Big geek tonight

July 30th, 2009 at 05:46 pm

I decided to track my mortgage payoff through the use of the charts that I love to create.

This is a simple one showing how much of the house has been paid off.

Next year around this time I will look at the graph and compare my progress.

Posted in Owning a house | 7 Comments »

7 Responses to “Big geek tonight”

frugaltexan75 Says:
July 30th, 2009 at 06:25 pm

Very cool!
Apprentice Bliss Hunter Says:
July 30th, 2009 at 06:54 pm

You "own" an awful lot of your house considering you bought it so recently !! Well done !
Broken Arrow Says:
July 31st, 2009 at 06:53 am

Yeah, charts are fun, aren't they? Yeah, way to go for such a high percentage ownership.
Ima saver Says:
July 31st, 2009 at 09:07 am

Good going!
whitestripe Says:
July 31st, 2009 at 06:48 pm

good stuff!
so is the whole percentage the value of the house? or the value of the mortgage?
scfr Says:
July 31st, 2009 at 08:23 pm

I think Joe Sangl's idea of doing a house-shaped diagram where you fill in the squares as you pay off the mortgage makes for a very nice & motivating visual:

http://www.josephsangl.com/wp-content/uploads/Pay-Off%20Spec...
gamecock43 Says:
August 1st, 2009 at 06:27 am

Yes this is the value of the mortgage only. I am not sure what our house value is right now but I think it is right around what we paid when we purchased the house.

And I CANNOT wait to check out SCFR's house graph!

Gamecock's Mind over Money

Trying to keep life from falling apart, trying to become a person to be proud of.

Big geek tonight

7 Responses to “Big geek tonight”

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