It has been very difficult at times trying to sign in, much of the time my user id and pw is not recognize. This time I could get in, so how is everyone doing this New Year? I am now obsess with paying my 6 yr car loan off in two years, it has a balance of 19,000. I just added a twice a week cleaning job afternoons once I am finished teaching for the day. It is 2 1/2 on Thurs. and Fridays's, the pay is decent and equals actually one car payment per month. So the extra 300, will go on the principal of car monthly for the next 4 months which should take the balance down considerably. The extra 20.00 will go on the 2nd mortgage (I had to take 4000.00) out because I did not have a down payment when I bought the house. So I will put extra on the principal to get that paid off, once paid off, the pmi insurance goes away, thank goodness. I wanted to get rid of the car payment and this second mortgage within 2 yrs. Leaving the mortgage with the plan to pay off in 12 years instead of 30. I have decided that I don't want to work until I am 68 and would like to retire at 62 which if car/mortgages are paid off, this leaves only the student loan debt. I don't have credit cards, and have a savings.
So what are your financial goals for the year? Short term/long term? Drop by , pull up a comfy chair and let's make this a great year on the board!Hope to see you here and any one lurking around please pop in and say hello:)
Have a fanastic week!