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  1. The more I look at numbers the smarter it seems

    by , 02-26-2009 at 07:53 PM (Travelling on the frugal path to Freedom)
    I'm really really leaning toward refinancing in a big way.

    If we do it as a 20 year mortgage, paid weekly(cuts it down to 17 years). We can survive on my income alone, mortgage, insurance, gas, groceries utilities and even a little money left over for savings.

    Meaning, dh income could be used to beef of the EF, retirement and pay down the mortgage at an accelerated pace. If he were laid off and we end up with only 40% of his income, that would still be used for the EF ...
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  2. Menu Planning Rethink

    by , 02-26-2009 at 01:41 PM (Living Frugal, Not Cheap)
    DH has been at his new job a month now and we have yet to see a paycheck stub. They are direct depositing his money, but I can't tell if they are taking any of the proper deductions out of it or not. So I am still spinning wheels as far as figuring out how much we can afford to save this year.

    My headaches from earlier in the week have finally gone away. I was having to choose between taking something for the throbbing, or taking my arthritis meds (and not waking up sore the next ...
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  3. Time to refinance.

    by , 02-26-2009 at 10:23 AM (Travelling on the frugal path to Freedom)
    Our mortgage is coming up for renewal in December, but the layoffs have started. 14% of staff was laid off at dh work. And talk of more in a month or so.

    I am against rolling debt into mortgage, but if dh is laid off, whether he gets work right away or not, he won't have the same wages.

    I want to roll it into the mortgage and only have mortgage. But I also want to change the amortization for this term to 25 to just lower the payments period. Our mortgage payment even with ...
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  4. time for change

    by , 02-26-2009 at 10:10 AM
    time for a change...

    Updated 02-27-2009 at 10:40 AM by perSue

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  5. Final week and out of 1st place :(

    by , 02-26-2009 at 09:54 AM
    I will not let myself get discouraged here! But, I just had to vent. This is about the weight loss competition at work. My partner and I have been in 1st place the entire time (last 5 weeks) We have lost a consistent amount of weight each week. Well, there are 2 teams of guys that overtook us this week. We know one team for sure did. They lost 13lbs and 5 lbs each. Their total % lost for the contest is now at 24%. The other team of guys, one lost 13lbs and the other hasn't weighed in yet. ...
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