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This day started out really crappy.
Mr.Pinchy died. Yes, I checked, he was really most sincerely dead. Why? I have no idea; I am seldom given to know why one of my aquarium residents dies. I buried him in the compost. RIP, Mr.Pinchy. :(
Also, I forgot to hook up my mp3 player when I got home last night, so it's almost out of juice today. No mp3s for Stacy!
But on the upside, I had foolishly offered to help a friend move on the day before Thanksgiving, when I really need to be cleaning the house. She canceled, thank the gods. So tomorrow- I clean. Whee!
And, hub being Mr.Unorganized, I started looking into re-financing our mortgage. It's in his name and he didn't know much, but after some digging I uncovered most of the pertinent information. If I'm reading my numbers right (and there's no guarantee of that- *math is hard!* /Barbie voice) we may be able to either keep the same payment and shorten our loan by at least 10 years, or drop our payment by at least $100, and possibly a lot more. That'd sure not suck a lot.
Mr.Pinchy died. Yes, I checked, he was really most sincerely dead. Why? I have no idea; I am seldom given to know why one of my aquarium residents dies. I buried him in the compost. RIP, Mr.Pinchy. :(
Also, I forgot to hook up my mp3 player when I got home last night, so it's almost out of juice today. No mp3s for Stacy!
But on the upside, I had foolishly offered to help a friend move on the day before Thanksgiving, when I really need to be cleaning the house. She canceled, thank the gods. So tomorrow- I clean. Whee!
And, hub being Mr.Unorganized, I started looking into re-financing our mortgage. It's in his name and he didn't know much, but after some digging I uncovered most of the pertinent information. If I'm reading my numbers right (and there's no guarantee of that- *math is hard!* /Barbie voice) we may be able to either keep the same payment and shorten our loan by at least 10 years, or drop our payment by at least $100, and possibly a lot more. That'd sure not suck a lot.
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It pretty much boils down to the fact that for the first 10-15 years or so of a 30 year mortgage, 90% or more of your payment goes to interest and only a tiny portion to the principal, so if you pay a little bit more anything extra goes towards the dent you're making on the principal, thus reducing interest, meaning each new dent gets progressively larger.
Compound interest is an evil thing; learn to work it as much as possible in your favor.
no subject
Date: Nov. 27th, 2002 01:16 am (UTC)From:bean