Certainly you know them...

Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Certainly you know them...
1202
Sun, 11-10-2013 - 6:53am

People that wake up everyday to sunshine regardless of the actual weather, whose lives look peachy perfect b/c of their demeanor, whose energies and smiles motivate you or make you want to strangle them... 

Or do you? 

 

 

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iVillage Member
Registered: 05-13-2009
Sun, 11-17-2013 - 8:29pm

We had a 10 year mortgage. Did you have a 30yr one?

BTW - Our home is worth more than yours according to your posts and paid in full. So, yay me!

Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Sun, 11-17-2013 - 8:30pm
I like that our mortgage is <20% of our income, We are pretty careful how we shop lenders too. While I look forward to the day I can say we are "mortgage free" I do like the breaks we get on our taxes in the meantime.

 

 

iVillage Member
Registered: 05-13-2009
Sun, 11-17-2013 - 8:31pm

jamblessedthree wrote:
I like that our mortgage is

? I like that our mortgage is 0

Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 11-17-2013 - 8:33pm

chestnuthooligan wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">jamblessedthree</em> wrote:</div>I like that our mortgage is</blockquote></p><p>? I like that our mortgage is 0</p>

BWAHAHAHAHAHAH!

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

iVillage Member
Registered: 11-16-2013
Sun, 11-17-2013 - 8:35pm

We had a 10 year mortgage. Did you have a 30yr one?

Nope

iVillage Member
Registered: 11-16-2013
Sun, 11-17-2013 - 8:36pm

? I like that our mortgage is 0

I like that my mortgage is no where near $2,000 lol.

Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 11-17-2013 - 8:37pm

Faallflowers wrote:
<p><span style="font-size:13px">? I like that our mortgage is 0</span></p><p><strong><span style="font-size:13px">I like that my mortgage is no where near $2,000 lol.</span></strong></p>

It's a helluva lot closer to $2000 than chestnut's is.

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Sun, 11-17-2013 - 8:41pm

chestnuthooligan wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">jamblessedthree</em> wrote:</div>I like that our mortgage is</blockquote></p><p>? I like that our mortgage is 0</p>

Nice comeback, Lol.  Funny computer, Got kicked out in the middle of a post.  Posted it again in full for your entertainment.  Mortgage brokers we don't deal with either, Why would you when you can deal directly with the bank? 

 


 


Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Sun, 11-17-2013 - 8:43pm
2000.00 a month for a mortgage is a lot no matter what.

 


 


Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 11-17-2013 - 8:45pm

jamblessedthree wrote:
2000.00 a month for a mortgage is a lot no matter what.

Not if you make buttloads of money, or are saving $150,000 in interest by having a 10-year instead of a 30-year mortgage, or if it's a multimillion dollar home and you paid lots down. 

 

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

Avatar for savcal2011
iVillage Member
Registered: 10-06-2010
Sun, 11-17-2013 - 8:50pm

jamblessedthree wrote:
2000.00 a month for a mortgage is a lot no matter what.

An example:

$200,000 home, 4.5% interest, 10 year loan - $2072 monthly payment - $248,732 paid over the life of the loan

$200,000 home, 4.5% interest, 20 year loan - $1256 monthly payment - $303,672 paid over the life of the loan

$200,000 home, 4.5% interest, 30 year loan - $1013 monthly payment - $364,814 paid over the life of the loan

 

If you have the cash flow for the first scenario, it is BY FAR the better financial move - saves over $116,000!

"I don’t mind a banshee, that’s fine. 2 banshees? I HATE you. I actually wish bad things upon you." -- Day[9] Daily #459 P1

iVillage Member
Registered: 06-27-1998
Sun, 11-17-2013 - 8:55pm

jamblessedthree wrote:
Yea, I get that you both spend - and - save and there's nothing wrong with that. What amuses me are the people that talk from both sides of their mouth, How frugal and modest they claim their lives are then how how much they spend just because, Of course it does depend on what thread we're in but at least you're consistent morty! ;-)

Consistently...what exactly?  

PumpkinAngel

Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Sun, 11-17-2013 - 8:58pm

fru·gal adjective \ˈfrü-gəl\

: careful about spending money or using things when you do not need to : using money or supplies in a very careful way

: simple and plain

 

 

iVillage Member
Registered: 06-27-1998
Sun, 11-17-2013 - 9:00pm

jamblessedthree wrote:
Then it's all good savcal, Morty has said she believes in balance, others don't seem to be consistent about that.

Reverse that and then you would be correct.

PumpkinAngel

iVillage Member
Registered: 06-27-1998
Sun, 11-17-2013 - 9:00pm

Faallflowers wrote:
<p><span style="font-size:13px">any kind of either delayed gratification or profession of not wanting the latest and greatest in the first place seems to annoy you.  That is the way you come across to readers.</span></p><p><strong><span style="font-size:13px">Nope you have that all wrong. I am not speaking of delayed gratification at all. There are some things that you just can not delay as you won't be able to do them.</span></strong></p>

Again....like what?

PumpkinAngel

iVillage Member
Registered: 05-13-2009
Sun, 11-17-2013 - 9:01pm

Yes, IIRC you refinanced, so you'll be paying more that 30 years .

iVillage Member
Registered: 06-27-1998
Sun, 11-17-2013 - 9:01pm

Faallflowers wrote:
<p style="font-size:13px">In your posts to bord, you have said numerous times that living a modest life and then spending more in retirement is not what you want to do, otherwise all of your posts to bord would be totally silly.  You even said...</p><p style="font-size:13px">&lt;&lt; I am glad that  I am not waiting another 30 years <strong>to do things</strong> And might not be in 100% shape to do them, like you dh whom you have said cant drive at night as he is legally blind, correct? You never know what will happen in life and I personally do not see the need to live so tightly for so many years. &gt;&gt;</p><p style="font-size:13px">But given that you can't exen define those "things", I'm not surprised your back tracking.  Again.</p><p style="font-size:13px"><strong>No, I did not say that. I said I need to have a balance. I have no clue what the future will bring. I might not be able to do things physically and mentally by the time I am 70 years old. I am doing things now WHILE I am also saving money for the future. According to what I just heard recently on how much the average american has for retirement, I am doing pretty good AND I am able to do things now.</strong></p>

Yes, actually you did...I quoted the words and everything.  Given that you won't even define what these "things" are, I don't believe you.  LoL

PumpkinAngel

iVillage Member
Registered: 06-27-1998
Sun, 11-17-2013 - 9:03pm

jamblessedthree wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">Faallflowers</em> wrote:</div>&lt;p&gt;&lt;span style="font-size:13px"&gt;any kind of either delayed gratification or profession of not wanting the latest and greatest in the first place seems to annoy you.  That is the way you come across to readers.&lt;/span&gt;&lt;/p&gt;&lt;p&gt;&lt;strong&gt;&lt;span style="font-size:13px"&gt;Nope you have that all wrong. I am not speaking of delayed gratification at all. There are some things that you just can not delay as you won't be able to do them.&lt;/span&gt;&lt;/strong&gt;&lt;/p&gt;</blockquote></p><p>Ideally and IMO disney happens at the ages my kids were, they were 10, 11 or 12 and DS was 6 I think.  They were at perfect ages and I'm glad we can say we did disney.  I had never been there and my parents won a trip to epcot at a dinner party once.  While I can't say I missed anything (I don't believe you miss what you've never experienced) I am glad we took our kids there when we did.  Delaying that probably wouldn't have meant the same thing...  They probably would have lost interest too..   </p>

Sorry, that should have been a flat screen w/cable, granite annnnd/or a trip to Disney.  lol

PumpkinAngel

iVillage Member
Registered: 01-08-2009
Sun, 11-17-2013 - 9:03pm
Well, JamBlessed, I think that adjective pretty much describes our family's lifestyle. We have been quite careful and deliberate about spending money and acquiring things. We waste very little, often buy second-hand. We seldom go out to eat unless we are traveling. We do have some splurges, now that our savings/investment goals are pretty much met. We used to spend about 30% of our income a year. A few years ago it hit about 40%, not including college expenses.
Avatar for jamblessedthree
iVillage Member
Registered: 10-23-2001
Sun, 11-17-2013 - 9:03pm

savcal2011 wrote:
<p><blockquote class="quote-msg quote-nest-1 odd"><div class="quote-author"><em class="placeholder">jamblessedthree</em> wrote:</div>2000.00 a month for a mortgage is a lot no matter what.</blockquote></p><p>Not if you make buttloads of money, or are saving $150,000 in interest by having a 10-year instead of a 30-year mortgage, or if it's a multimillion dollar home and you paid lots down. </p><p> </p>

Having buttloads of money and a mortgage contradict eachother, You don't know people that have buttloads of money that don't deal with the lending process to begin with, do you? 

 

 

 

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