Blog Posts
We took out a mortgage in August of 2015 and our first payment was due on October 1, 2015. Although, we have payed all of our mortgage payments around the 15th of the previous month, because that was when we would put money in our savings accounts prior to purchasing the house. This means in 2015, we payed 4 minimum mortgage payments and we also payed 4 extra principal payments.
Christmas is one of the most expensive holidays. Traveling to see family, buying gifts, decorations and christmas dinner. All of these items can run up the expense of Christmas. There is nothing wrong with spending money for this holiday, but the danger zone is when you spend money that you don't have. Lot's of people around the country buy gifts on a credit card or on store credit and they are paying for it months after the holiday season.
My wife and I have no consumer debt, but we do have a mortgage, so I am always looking at ways to keep expenses down. For example, I will hang dry my clothes as opposed to drying them in a dryer, because the dryer accrues electricity costs. My little drying rack is free! Another example would be dropping cable to avoid the high monthly cost.
All the candy is gone, all the costumes are away and November is upon us. With the arrival of November, that means holiday season is upon us. Soon, we will be giving thanks with our family and exchanging gifts the following month. Sandwiched in between these two holidays is one of the more infamous days of the year. That day is called Black Friday.
At the end of last month, we celebrated my birthday. This day was a simple day that wasn't much different than any other day. I went to work and my wife went to her clinical shift. When we got home, we got ready and went out to eat. I chose a Hibachi grill and we had a great time connecting and recharging. This was my birthday. It was perfect and I didn't need anything else.
