swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,673
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Post by swamp on Dec 6, 2020 15:13:22 GMT -5
DH and I are debt free, bitches!!!!!
we paid the house off today.
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crazycat
Familiar Member
Joined: May 9, 2013 12:52:01 GMT -5
Posts: 860 
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Post by crazycat on Dec 6, 2020 15:16:58 GMT -5
CONGRATS !!!!
Thats awesome
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kadee79
Senior Associate
S.W. Ga., zone 8b, out in the boonies!
Joined: Mar 30, 2011 15:12:55 GMT -5
Posts: 10,869
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Post by kadee79 on Dec 6, 2020 15:22:50 GMT -5
Congratulations! Feels really good doesn't it?!!!
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NoNamePerson
Distinguished Associate
Is There Anybody OUT There?
Joined: Dec 17, 2010 17:03:17 GMT -5
Posts: 26,286
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Post by NoNamePerson on Dec 6, 2020 15:27:41 GMT -5
Congratulations! Such an accomplishment and a great feeling to go along with it  |
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sesfw
Junior Associate
Today is the first day of the rest of my life
Joined: Dec 21, 2010 15:45:17 GMT -5
Posts: 6,268
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Post by sesfw on Dec 6, 2020 16:17:21 GMT -5
Great feeling ...........
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mary2029
Familiar Member
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We did it
Dec 6, 2020 16:48:49 GMT -5
via mobile
Post by mary2029 on Dec 6, 2020 16:48:49 GMT -5
Fantastic!
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Happy prose
Senior Member
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Posts: 3,230
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Post by Happy prose on Dec 6, 2020 17:03:08 GMT -5
Congratulations! Good job!
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ners
Junior Associate
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Posts: 6,641
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Post by ners on Dec 6, 2020 17:16:59 GMT -5
Fantastic to hear  |
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NastyWoman
Senior Associate
Joined: Dec 24, 2010 20:50:37 GMT -5
Posts: 15,002
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Post by NastyWoman on Dec 6, 2020 18:07:58 GMT -5
Feels good doesn't it? I know the Phils of this world see this as unnecassary tying up of monney but I love the feeling of being secure it has given me. Congratulatios  |
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Deleted
Joined: Nov 16, 2024 14:06:12 GMT -5
Posts: 0
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Post by Deleted on Dec 6, 2020 18:14:37 GMT -5
Congratulations! When we paid off ours it was a really liberating experience. I am so happy for y'all
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❤ mollymouser ❤
Senior Associate
Sarcasm is my Superpower
Crazy Cat Lady
Joined: Dec 18, 2010 16:09:58 GMT -5
Posts: 12,861
Today's Mood: Gen X ... so I'm sarcastic and annoyed
Location: Central California
Favorite Drink: Diet Mountain Dew
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Post by ❤ mollymouser ❤ on Dec 6, 2020 18:16:14 GMT -5
woooooooooooooo hoooooooooooooooooo!
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Deleted
Joined: Nov 16, 2024 14:06:12 GMT -5
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Post by Deleted on Dec 6, 2020 19:21:50 GMT -5
Congratulations- but may I ask why? I'm deliberately carrying a mortgage I could pay off because the interest rate is only 3% and since I itemize I get a little bit of a break on the interest.
I know it's a very personal decision, and especially among retirees (which I know you're not) it's worth the peace of mind to reduce your fixed expenses.
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Rukh O'Rorke
Senior Associate
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Post by Rukh O'Rorke on Dec 6, 2020 19:31:10 GMT -5
DH and I are debt free, bitches!!!!! we paid the house off today. what a richy bitch! congrats! |
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NancysSummerSip
Community Leader
Joined: Dec 19, 2010 19:19:42 GMT -5
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Today's Mood: Full of piss and vinegar
Favorite Drink: Anything with ice
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Post by NancysSummerSip on Dec 6, 2020 19:39:24 GMT -5
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dannylion
Junior Associate
Gravity is a harsh mistress
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Posts: 5,220
Location: Miles over the madness horizon and accelerating
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Post by dannylion on Dec 6, 2020 19:56:13 GMT -5
Yay! Well done!
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busymom
Distinguished Associate
Why is the rum always gone? Oh...that's why.
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Post by busymom on Dec 6, 2020 20:02:33 GMT -5
Woo hoo! Virtual party at Swamp's place! (Doggone COVID.) |
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debthaven
Senior Associate
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Post by debthaven on Dec 6, 2020 20:21:04 GMT -5
YAY Swamp!!! Isn't it the most fabulous feeling?!
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Deleted
Joined: Nov 16, 2024 14:06:12 GMT -5
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Post by Deleted on Dec 6, 2020 20:25:28 GMT -5
It just feels like a huge weight is gone, I went and closed down my fav pub to celebrate when I did it
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debthaven
Senior Associate
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Post by debthaven on Dec 6, 2020 20:29:41 GMT -5
@athena53 I'm not Swamp (duh) but my guess is some or all of the following reasons:
- Swamp is changing jobs soon, I'm guessing her new job is probably less well-paid
- Swamp's DH (a pharmacist) went to work in NYC during COVID. He worked very hard, and he was well-paid. For all I know he's STILL working far from home, dunno.
- Swamp's mom is in a nursing home with Alzheimer's. Nursing homes aren't cheap.
- Swamp has two kids who are getting older and who will be in college sooner rather than later.
IMO, ANY of those reasons is a FABULOUS reason to pay off your mortgage, if you can ... And I'm guessing she has several of those reasons, not just one.
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,673
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Post by swamp on Dec 6, 2020 20:31:00 GMT -5
Congratulations- but may I ask why? I'm deliberately carrying a mortgage I could pay off because the interest rate is only 3% and since I itemize I get a little bit of a break on the interest. I know it's a very personal decision, and especially among retirees (which I know you're not) it's worth the peace of mind to reduce your fixed expenses. We only had a 10 year loan,,we were close anyway. DHs employment is iffy and he’s free to quit without the debt over out heads. We maxed retirement, have some good investments, reliable paid off cars and healthy savings. We wanted it gone to free up cash for some home improvement issues. DS will also be heading off to college in 3 years, so it will be nice to have the cash flow for that. |
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debthaven
Senior Associate
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Post by debthaven on Dec 6, 2020 20:33:22 GMT -5
I was JUST about to edit my post to say that you have been in your home long enough that you probably want to do some renovations. LOL.
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,673
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Post by swamp on Dec 6, 2020 20:36:21 GMT -5
@athena53 I'm not Swamp (duh) but my guess is some or all of the following reasons: - Swamp is changing jobs soon, I'm guessing her new job is probably less well-paid - her DH (a medical professional) travelled to work in NY during COVID. He worked very hard, but he was well paid. For all I know he's still working far from home. - Her mom is in a nursing home with Alzheimer's. Nursing homes aren't cheap. - She has two kids who are getting older and who will be in college sooner rather than later. IMO, ANY of those reasons is a FABULOUS reason to pay off your mortgage, if you can ... let alone several of them. Close but not quite. New jobs pays about the same but MUCH better benefits. I’ll be making about $190k. DH is back home. He just started at a hospital that’s an hour drive away. He’s not thrilled with it. I’m not sure how,long he will stuck it out. Right now he’s making $135k. My mom isn’t in the nursing Hime yet. That’s a point of contention between me and my dad. She needs to be there. He won’t place her while,COVID restricts prohibit regular visits and taking her out for outings. They can self pay for a year. The will qualify for Medicaid in a few months. I’m not financially responsible for her at all. If my dad needed help, there are 3 of us that would help equally. College ge is creeping up. Kids are 9th and 7th grades. |
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,673
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Post by swamp on Dec 6, 2020 20:36:57 GMT -5
I was JUST about to edit my post to say that you have been in your home long enough that you probably want to do some renovations. LOL. Dock and driveway need repairs. Docks are expensive. |
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,673
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Post by swamp on Dec 6, 2020 20:37:33 GMT -5
It just feels like a huge weight is gone, I went and closed down my fav pub to celebrate when I did it We would have had a party if it wasn’t for stupid COVID. |
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debthaven
Senior Associate
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Post by debthaven on Dec 6, 2020 20:41:33 GMT -5
He just started at a hospital that’s an hour drive away. He’s not thrilled with it. I’m not sure how,long he will stuck it out.
That really is a long commute. I have a 40 min commute each way, which is average here. An hour each way working FT is not sustainable long term, IMO, especially if you have other options. Paying off the house will give him better options, even if it takes a while. Perhaps he needs to stick it out till the dock and driveway are done.
I certainly don't blame your Dad for not wanting to put your Mom in a home these days. I'm glad that you and your siblings can share the financial burden if/when that happens.
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laterbloomer
Senior Member
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We did it
Dec 6, 2020 21:15:53 GMT -5
via mobile
Post by laterbloomer on Dec 6, 2020 21:15:53 GMT -5
DH and I are debt free, bitches!!!!! we paid the house off today. I am so jealous! |
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Deleted
Joined: Nov 16, 2024 14:06:12 GMT -5
Posts: 0
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Post by Deleted on Dec 6, 2020 21:41:05 GMT -5
DH and I are debt free, bitches!!!!! we paid the house off today. I am so jealous! Me, too! |
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Knee Deep in Water Chloe
Senior Associate
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Post by Knee Deep in Water Chloe on Dec 6, 2020 22:21:33 GMT -5
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andi9899
Distinguished Associate
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We did it
Dec 7, 2020 5:53:00 GMT -5
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Post by andi9899 on Dec 7, 2020 5:53:00 GMT -5
Yay! I'm jealous.
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TheHaitian
Senior Associate
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Posts: 10,144
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Post by TheHaitian on Dec 7, 2020 6:01:49 GMT -5
DH and I are debt free, bitches!!!!! we paid the house off today. I want to be like you when I grow up!!! |
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