Finally Frugal

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Frugal doubt.

Finally Frugal

I keep thinking that I may be throwing good money after bad by paying down my second mortgage. After all, if (and this is a big IF) the housing market ever recovers (or just stops resulting in decreasing value) then I may be able to sell my house without creating equity by paying off my second mortgage debt.

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Best laid plans.

Finally Frugal

I love my cat, but I'm just not sure I'm ready to spend thousands of dollars on tests and treatments that may or may not be helpful. If she were still throwing up (and I don't know yet if we're really out of the woods), I'm sure the veterinarian would have suggested even more expensive tests (an ultrasound was next on the list).

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Frugal housing.

Finally Frugal

It seems that those of us in the trenches (like my commenter) may have more insight than the experts! That comment made me think about all of the news articles written by supposed 'experts' who predicted that we had (or would) hit bottom in 2008, or 2009, or 2010, or even 2011!

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Frugal decisions.

Finally Frugal

This may be especially useful for those of us who - whether currently or in our spendthrift past - may be likely to fritter that money away as soon as it shows up in our paychecks. I do know it might take a couple of months for human resources departments to get all the details down so we may not see it until February or March.

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Look to the right.

Finally Frugal

The reason I like the percentages is that when I get demotivated and depressed and discouraged (as happens periodically) I can look back and see that I am actually making some progress, slow though it may be. Subscribe to Finally Frugal.

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A mid-year update.

Finally Frugal

Though it is a tough road and my friends and family are still wondering if I'm nuts (I must admit I wonder myself as I go from job to job to job), I can finally see that I may actually be free of student loan debt in early 2013!! This creates some anxiety for me, though I am simply grateful for the extra work most days! this CAN be done.

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Update and dilemma.

Finally Frugal

Here's what it looked like in late May 2012: Second Mortgage Debt: $31,400::::$25,442. Here's a more organized update (and then I'll explain my dilemma): Here's where things stand now, in early-mid September 2012: Second Mortgage Debt: $31,400::::$25,176. Student Loan Debt: $61,762::::$29,318. Primary Mortgage Debt: $167,500::::$154,209.

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