Guess I’ll keep hiking.
you’re using your brain. RAC and folks like them are very much hoping that most folks won’t bother with making so much effort. And just do what the hunky ex-football players tell them to do. After all, aren’t hunky ex-football players our best possible advisors for personal finance?
Sorry if that sounds cranky. I’m going through Quicken and setting up monthly budgets based on our spending this year, and let’s just say that I have a new level of respect, awareness and (honestly) disgust for how much money flies out the door of this household. Some days feels like we’re doing good and some days, not so much. Today is one of those latter category days, darnit. And yes, I’ll confess to buying two Powerball tickets last night. I wasn’t one of the two winners. So I’ll keep on working in Quicken, and try not to get even more annoyed.
But here’s a very bright spot – we have approx $25K left in all debt other than the house. That’s the remainders of my credit card, our IRS bill, and one more credit card which is probably not even on the books anymore but I want to pay back that debt. A big enough total, to be sure. But while setting up Quicken this morning, I saw that our mortgage is even lower than I expected. I was figuring $75K and it’s actually only $69K. A few years ago that number would have seemed un-reachable. Now, that seems very do-able. We’ll hopefully finish off the consumer debt in 2013, and then our guns will be aimed at that mortgage. If we do nothing, we’ll pay it off anyway in 2018. But with the snowball, wow we could have it by our house’s 100th birthday – 2015. If I stand on my tippie-toes, I can actually look far enough down the DR road to see that day when we won’t have debt. Any debt. Wow, that’s quite the attractive landscape, stretching out behind the hills we’re currently climbing.