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  1. 07-18-2010, 11:24 AM #1
    NewLeaf
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    Default I'm back again.....

    I haven't posted for quite awhile and I am so glad to "see" everyone again. My ds 7 yrs old has Aspergers and adhd. We had alot of issues to deal with and are finally getting settled in again. He had some major anxiety at the end of the school year. But we are now seeing a psychiatrist for meds, a psychologist for a new evaluation and he has a great counselor for social skills. Whew!

    Over the last year and a half dh and I have paid off every credit card. We owe a dentist bill and a hospital bill. We will soon have no debt except our mortgage.

    Our house was too small for our family and we could't decide whether to buy a bigger house and get into a 30 yr mortgage or to refinance our existing home for a lower rate and add on a bedroom / bathroom. Our home is only two bedroom and we have 2 kids (7 and 14) who cannot share a room. Ds 7 has been in a small room the size of a walk in closet (well, a little bigger) that you enter from my room. It worked great as a nursery......

    All of the 3 bedroom homes we looked at were just too expensive and the only way we could afford them would be a 30 yr mortgage.

    So we refinanced for 15 yrs ( we owed 16 yrs on this house) and got enough money to build an addition. For us it's a win-win situation. Our monthly payments only went up $100 , we still pay off our home in the time we originally planned and we get the space we need.

    The decision is made so I hope no one will scold me about this. It works for us. I am so proud of us for paying off most of our debt in so little time. We couldn't have done it with out all of my frugal village friends. I have learned so much here. Thank you!!!!
    Truck paid off 12/07(paid in full)
    Van paid off 2/09
    Orthodontist(paid in full 2/09)
    Furniture paid in full 7/10

    cc#1 $700 Paid In Full
    cc#2 $1000 Paid In Full
    cc#3 $2400 paid in full
    cc#4 $6337 paid in full
    cc#5 $1500 paid in full

    Coupon savings: Jan 2011 $200
    Feb 2011 $100

    Emergency Fund $1000

    Vacation Fund $1500
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  2. 07-18-2010, 11:39 AM #2
    Maine Girl
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    Welcome back!!! How exciting to put an additon on your existing home...you are adding value to your home.
    Steph


    FY 2012
    10/40 books read
    working at paying off cc one $ at a time.
    $2963.00 CC balace as of 05/19/12
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  3. 07-18-2010, 12:44 PM #3
    Momto5RN
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    very impressive and inspiring to see all the debt you have paid off !! the addition sounds like a good choice !!!
    *~Debbi~*
    Happily Married Mom to 5 ; PT Home Care RN
    Living with FMS

    “Fear less, hope more; Eat less, chew more; Whine less, breathe more;
    Talk less, say more; Love more, and all good things will be yours”
    Swedish Proverb

    *~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
    Getting Gazelle like 7/1/10
    Paid off 6 CC's totalling $6807 in 2010
    Paid off car 9000
    2011
    Quit 2nd Job for health reasons so going slower .
    2012
    purchased used car in cash 5000
    *~*~*~*~*~*~*~*~*
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  4. 07-18-2010, 02:08 PM #4
    piney
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    Welcome back it good to see all the debt you have paid off it give me hope that i will be able to pay mine off.
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  5. 07-18-2010, 03:34 PM #5
    Bobby Rodgers
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    Welcome back!
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  6. 07-18-2010, 06:51 PM #6
    ladytoysdream
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    Sounds like you made a good decison for your house

    It's nice to have you back again.
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  7. 07-18-2010, 06:54 PM #7
    Luckybustert
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    Welcome back! I can't imagine that anyone would scold you....you've not only paid off a lot of debt, but you've made a very well thought out decision about your home. Way to go!
    -Suzanne

    Challenges:
    Pound A Week - 237.2 / 227.8 / 135
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  8. 07-18-2010, 09:20 PM #8
    Michelle68
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    Glad you're back! It sounds like you and your family are on track and doing well. Congrats on the addition to your house. It sounds like it worked out fine.
    ~ Michelle



    Wife to DH--
    Mom to DS--
    and DD--

    Avatar picture--Taken at Comanche Lookout Park, San Antonio,Tx. April,2010
    Mortgage -- $53,077.24
    March Emergency Fund Challenge-- $100 /$200
    ----------------------
    "The time to save is now. When a dog gets a bone, he doesn't go out and make a down payment on a bigger bone. He buries the one he's got." --Will Rogers
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  9. 07-18-2010, 11:15 PM #9
    3tomboys
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    Welcome Back! It sounds like you made a wise choice after reviewing all your options.
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  10. 07-19-2010, 07:55 AM #10
    Darlene
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    No scolding, you should do what's best for you. So glad to see all the positive things going on in your life and happy to see you back.
    ~*Darlene*~
    Live Well~LaughOften~Love Much

    "Too often we underestimate the power of a touch, a smile, a kind word, a listening ear, an honest compliment, or the smallest act of caring, all of which have the potential to turn a life around."
    Leo Buscaglia

    2012 Challenges
    Books Read: 43
    :



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  11. 07-19-2010, 05:28 PM #11
    shoiji
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    Great to see you back. As far as the house goes it sounds like you did it the frugal way!
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  12. 07-20-2010, 07:30 AM #12
    lovestoread
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    Welcome back!! Good to see some that have been hiding , coming back to see us again...good luck!!!
    Sheri











    GO COLTS!!!!!


    Wife to Dale
    Mom to Paige and Abbie
    dogmom to Casey and Callie
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