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Better Than A Raise

Discussion in 'Sidewinders Bar & Grille' started by RJ Squirrel, Aug 9, 2018.

  1. RJ Squirrel

    RJ Squirrel Strat-Talker

    Age:
    64
    427
    Jan 28, 2018
    Frostbite Falls
    I paid off my mortgage. Fifteen years ago I bought the house from my ex in the divorce settlement. I am now totally free and clear!:)
     
    2-Finger, Groovey, duzie and 27 others like this.

  2. alderre

    alderre Strat-O-Master

    901
    May 1, 2014
    New Braunfels
    Time to get a new mortgage for a bigger flashier home.

    Or

    Travel
     

  3. circles

    circles Most Honored Senior Member Strat-Talk Supporter

    Congratulations! That's a great feeling.

    NEW GUITAR!!
     

  4. Mansonienne

    Mansonienne Stratocrastinator Extraordinaire Strat-Talk Supporter

    Age:
    54
    Dec 2, 2015
    Paris suburbs, France
    Congrats!
    I was calculating my retirement pension, and had come to the sad conclusion that I would have to slog it out another 11 years in the place, when I happened to realize that my main mortgage would be paid off in just over 7 years...perhaps I can afford to retire sooner than I thought!
     

  5. RJ Squirrel

    RJ Squirrel Strat-Talker

    Age:
    64
    427
    Jan 28, 2018
    Frostbite Falls
    Ixnay on the new mortgage. Its time to downsize. I do however foresee a new truck and travel trailer.;)
     

  6. Strat Jacket

    Strat Jacket Senior Stratmaster

    May 11, 2018
    Illinois
    Congrats! A new milestone in your life!
     
    abnormaltoy and RJ Squirrel like this.

  7. Believer7713

    Believer7713 Senior Stratmaster Silver Member

    Age:
    44
    Dec 27, 2016
    US
    Congratulations!!!! We are hoping to be there in about a year...Lord Willing!
     

  8. 808K

    808K Strat-Talker

    347
    Apr 24, 2018
    Philly, USA
    Congratulations, it’s a great feeling!

    Speaking of 15 years, when affordable, I highly recommend getting a 15 year mortgage instead of the typical 30 year.

    I’m not a financial advisor, I just play one on StratTalk.
     
    Groovey, jaybones, Boognish and 4 others like this.

  9. crashbelt

    crashbelt Strat-Talker

    383
    Feb 27, 2012
    England
    It's a great feeling I remember well - triggered a bit of guitar buying in my case:whistling:.
     
    abnormaltoy and RJ Squirrel like this.

  10. RJ Squirrel

    RJ Squirrel Strat-Talker

    Age:
    64
    427
    Jan 28, 2018
    Frostbite Falls
    ^^^^+1

    Also, making additional principal payments over the course of the loan can drastically speed up the pay-off and save $$$ in interest charges.
     

  11. alderre

    alderre Strat-O-Master

    901
    May 1, 2014
    New Braunfels
    I am happy for you man. I hope you get to enjoy the next 20-30 years of freedom in good health.
     

  12. Tone Deaf

    Tone Deaf Senior Stratmaster Silver Member

    Age:
    67
    Feb 12, 2009
    New Jersey, USA
    Congrats
    It's a great feeling.
    Paid mine off earlier this year.

    Mad money!!!
     
    RJ Squirrel and abnormaltoy like this.

  13. abnormaltoy

    abnormaltoy BushBaby Strat-Talk Supporter

    Apr 28, 2013
    Tucson

    So you can be a snowbird?


    BTW, Congratulations!
     
    RJ Squirrel likes this.

  14. Silvercrow

    Silvercrow Senior Stratmaster

    Nov 6, 2014
    Bucks County, Pa.
    CONGRATS! You must feel REALLY good right about now!

    My wife and I are trying to become as debt free as possible...quite a challenge!

    BEST WISHES and avoid the temptation to jump right back into the deep end, now that you've swum out...

    Brian
     

  15. RJ Squirrel

    RJ Squirrel Strat-Talker

    Age:
    64
    427
    Jan 28, 2018
    Frostbite Falls
    I don't know that I would qualify as a snow bird. We don't usually get more than 6 or 8 inches of snow over the course of a typical winter. I would be more of a shivering wet a** bird. In my area, winter daytime highs are typically in the upper 40s with drizzle and rain. But, I will venture South and Southwest in the fall and winter in search of beaches to fish from.
     
    abnormaltoy likes this.

  16. felis

    felis Senior Stratmaster

    Nov 27, 2013
    Antwerp/Belgium
    Congrats, must be a great feeling :cool:(looking forward to it myself).
     
    RJ Squirrel and abnormaltoy like this.

  17. Rob Moreno

    Rob Moreno Strat-O-Master

    Age:
    49
    609
    May 28, 2017
    Tokyo
    When I realized how much interest I would be paying on my 30-year loan I made a balls-out effort to pay off as much as I could every month. I lived a poor student lifestyle for a while, but 7 years later I was debt-free and stress-free. No more loans ever again. If I can't pay cash, I don't buy it. Congrats on your new found freedom!
     

  18. rolandson

    rolandson Most Honored Senior Member

    it does take a certain amount of stress off one's shoulders. congratulations on achieving the American dream.

    Frostbite Falls is still in Minnesota isn't it? Maybe Canada has it now...I don't know. anyway, you're living the dream my lad, living the dream!
     

  19. Believer7713

    Believer7713 Senior Stratmaster Silver Member

    Age:
    44
    Dec 27, 2016
    US
    That's what we did 5 years ago. Then last year he got really aggressive at paying it off. If all goes as planned next year we will have it paid off. It's such a great feeling to watch the numbers go down.
     
    Last edited: Aug 10, 2018
    RJ Squirrel likes this.

  20. nuculer terrist

    nuculer terrist Senior Stratmaster

    Mar 12, 2014
    center of the mind
    Congrats! And a big hell yeah to the truck & trailer.
     
    RJ Squirrel likes this.