True Confessions

[SheRidesABeemer]

My name is Gail and I have an adjustable rate mortgage (ARM).
There I said it.

I've had a sweet 4.85% rate for 5 years.:thumbsup:
It got adjusted this spring. :hiding:

To 4.25% :smiley:

According to news reports I should be loosing my house soon. :lol:

thank you, I needed to tell someone! :cool:

[KansasKawboy]

You know we will be here to listen to your problems and offer our support.:D:

Glad it's going good for you.

[Luna Tique]

You know we will be here to listen to your problems and offer our support.:D:

Glad it's going good for you.

+ 1 :thumbup:

[indianscout]

Hi, My name is TR and I sold my overly large house last year, paided off my morgage, all of my debits and put some away for a rainy day. :yahoo: I have no wife, no kids, cheap rent, self employed and live a simple life style that allows me to ride my motorcycle practily every day (weather permiting of course). According to the news this is not possable. Am I doing something wrong?:wtf:


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[SheRidesABeemer]

Are you homeless? Where do you get your internet access? :lol:

[indianscout]

Living in a refridgerator box (wax coated ones are the best for holding off the rain and snow) and free wifi from the local buisness's. Was going to move under a bridge but recently they have been found to be unsafe around here.:eek:


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[Maleficent]

:rofl:

Those underpasses are probably getting a little overcrowded these days sadly enough.

[Astir]

They don't have good wifi either.

Good job beating the stats!

[Luna Tique]

My name is LT My mortgage rate on our little piece of paradise started at 9 7/8% with 2 points down with a 30 year sentence. :shrug: ( that was a good rate at the time)
5 years into it the rates dropped to 7 1/4% we refinanced for 15 years and was able to pay it off early :yahoo:

:chin:One might think wow with a huge mortgage off your back you must have extra monies :rofl:
No silly people by then the house needed upgrades. :slaphead: :D:

[KansasKawboy]

:chin:One might think wow with a huge mortgage off your back you must have extra monies :rofl:
No silly people by then the house needed upgrades. :slaphead: :D:


Don't I know that feeling. I often wondered how we payed the house payment.

[indianscout]

My name is LT My mortgage rate on our little piece of paradise started at 9 7/8% with 2 points down with a 30 year sentence. :shrug: ( that was a good rate at the time)
5 years into it the rates dropped to 7 1/4% we refinanced for 15 years and was able to pay it off early :yahoo:

:chin:One might think wow with a huge mortgage off your back you must have extra monies :rofl:
No silly people by then the house needed upgrades. :slaphead: :D:


Then after 30 years of morgage payments, insurance, taxes, upgrades, repairs and maintanace you sell for what seems like a large profit.......untill you add what you paid for the interest, insurance, taxes, upgrades, repairs and maintanance:eek:........ At least you feel like your ahead of the game!:shrug:


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[SheRidesABeemer]

My last car payment is Aug 1. It's about the same a my mortgage payment...
Now if I can keep the new car/bike gremlins at bay for a year...:D:

[Luna Tique]

Speaking from experience as soon as you think everything is going smoothly. Your pennies are starting to add up again.

That is when the greedy gemlins rear their little heads
They will come along and http://www.freesmileys.org/smileys/rpg012.gif (http://www.freesmileys.org/) Your saved monies will be gone :shrug:

[waterlilly]

aHey guys that mortgage stuff is scary in the states.

Im at 4% only because Les is a finacial wizz compare to me.
It is a open mortgage for 1yr. Took 2 yrs off the mortgage as we
up the payments by $15.00 a week.

12yrs to go:ecstasy:

[SheRidesABeemer]

The title to my car came in the mail yesterday, I now own title to all my motorized transportation! :thumbsup:

[indianscout]

The title to my car came in the mail yesterday, I now own title to all my motorized transportation! :thumbsup:


That's always a good feeling not to have that hanging over your head! One less payment, WOO-HOO!! Congrats!!:yahoo:




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[Luna Tique]

Congrats :cheers: No payments:yahoo:
:shrug: I don't know what that is like. We always have a truck payment.
:chin:Although we have talked about hanging on to this one for a year after the payments are done.
:slaphead:Like that will happen.:lol:
JT will change his mind just about the same time as the payments are done:shrug:
At least our car & bikes are lein free :D:

[sweptwingnut]

The title to my car came in the mail yesterday, I now own title to all my motorized transportation! :thumbsup:

Way cool! :cheers:

[SheRidesABeemer]

:chin:Although we have talked about hanging on to this one for a year after the payments are done.
:slaphead:Like that will happen.:lol:


That is my thinking. I was all ready to start saving that car payment! But then we really needed new mattresses :cloud9: for the kiddo and I. So I found myself in a furniture store, and started thinking that it's time to replace that 20 year old couch...but first I need to replace the carpet...Next year, I'll start saving next year. :rolleyes:

Good thing I love my car still!

[Unforgiven]

That's always a good feeling not to have that hanging over your head! One less payment, WOO-HOO!! Congrats!!:yahoo:
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We were there with both cars and both bikes until "Somebody" :whistling: had to buy something to tow our bikes with.
:slaphead:

[indianscout]

We were there with both cars and both bikes until "Somebody" :whistling: had to buy something to tow our bikes with.
:slaphead:


:hiding: :lol:



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[Luna Tique]

:clapping: Well look at it this way We are all helping to stimulate the ecomony. :thumbup:

Money is just supposed to slip through your fingers on its way to pay off some new unexpected bill. :patch:

:chin: Someday......... I would like to meet Bill


....:smack: :lol: .
http://www.clicksmilies.com/s1106/spezial/jasons_smilie/thinking2.gif

I think $$$ are meant to be held on to for a rainiy day and it rains here all the time:singingrain::D: