Wednesday, September 21, 2011


I'm heading out of town for a long weekend trip with one of my girlfriends.  I have to post to say how much fun it is to plan a quick trip and to have travel and fun money in our ING accounts just sitting there waiting for me to spend it.

Travel is so much more fun when the trip is already paid for and I have "fun" money available for shopping, spa and eating out.


Rene' said...

Have fun! I am heading out next weekend for my second annual girls shopping trip and I am really looking forward to it. I also wanted to share with you,even though I don't know u and have no real personal connection to you...but I read your blog occasionally and I like reading about anyone who is being financially responsible. Anyway, I wanted to share exciting news... My husband and I are 41 and we just paid off our 7200 square foot home yesterday, which we built almost 12 years ago. I am so excited! It is such a great feeling to be 100% debt free. We actually are about to start building our first vacation/retirement home so we will have a new mortgage in a few months. But it is good to be mortgage free for a while. And even once we do get the new mortgage, we'll have two homes and only one mortgage, so I am comfortable not having two mortgages. Anyway, I know u don't know me, but paying off a mortgage isn't something that is as easy to share with 'everyone' as is say a student loan or car loan, so I am happy to be able to share it with someone else who I know is working diligently on living within one's means and being financially responsible. Thanks for the ear. have fun on your trip.

Anonymous said...

Congrats Rene!!! I too like to check in on the blog, I am surprised on the similarities to our situation.

I spoke to my bank today, turns out they still own my home loan (30 year fixed) and they have a loan modification program. Instead of refinancing I can pay $1500 and they will drop the rate to the current 30 year fixed rate, the rest of the loan stays the same, balance, years left, etc. No cost of hassle for appraisal, loan fees, title, etc.

Bad news was that my vacation home loan had been sold so only option to lower rate is to refi.

Sam said...

Rene, That is great news! We are slowly working on paying down our primary home loan and I look forward to the day that I can say it is paid off. Such a fabulous accomplishment, thanks for sharing.

With our rental properties we've got 4 mortgages so mortage debt, good or not, is something we are always working on paying down.

Sam said...


We just refinanced one of our rental properties and while I'm happy we were able to refi (see today's post) I so wish we could have just paid for an interest rate change like you were able to do.

We had to have the home appraised and pay closing costs, etc. Our refi was with the same bank, Citimortgage, but no special programs available for investment properties.