The mister and I had a stand off yesterday he was in the road and just did not feel like moving......what do you do when a 1800 pound bull is not willing to "play nice".....I decided to wait and it only took him about 10 minutes to get bored :) this is also an area we can put a chunk on our mortgage! Since we have finally gotten the 14 head we wanted the calves that will be born next month.......(I will not get attached!!!) Can be sold in the fall.
Saturday, January 4, 2014
Cutting corners to pay off mortgage
I have been racking my brains for ways to save money since Jim's heart attack. It still surprises me when I say that word! I just never in a million years would have thought this could happen at 48. As far as saving here and there I started a "working to be debt free" and made a few changes and this has helped pay off a few bits here and there, but now I'm talking "we had a scare" and this is our mortgage. If Jim would have been off for a time we would have been in serious trouble very quickly, so this is my goal...shorten our home mortgage! The pay off is in 8 years but I would like to knock this in half (or as close to this as we can manage) I realize the next few years will be a lot harder....but just thinking about our home being clear makes me breath easier. I have started a home journal, this along with my blog (I hope) will keep me accountable with no backsliding! I will list the ways I have been saving in the past and what I will be learning in the future as I go along. I did end the year correctly (my opinion) the presents were made by me and this saved a few bucks :) looking through our clothing I don't see us needing any clothes, if we do I'll go to the thrift shop.....I'm limiting my grocery shopping to twice a month, getting rid of one car, this will save monthly on insurance that I can then apply to loan. The house phone has to stay (neighbors are 3\4 mile away) and I never know when an emergency may come up with mom.....cell phones can go but I have to wait until our contract is up! I dropped our dish down to basic, this dropped our cost from $103 a month to $54, I would just as soon get rid of the TV but this is about the only thing my mom does so I would never do that. Does anyone have any ideas on saving that I can apply to our lives? I thought about making items and selling on eBay or etsy.....the extra money I make has to be limited to what I can do at home because I am mom's caregiver and I can't \wont leave her alone.