That’s right, I said it – it sucks paying $2,000 extra every month to an underwater home :( The results have been sexy as hell so far – we’ve already nixed $16,000 in 8 months which is incredible!! – but man, I’m starting to run out of steam… especially as our house starts to crumble and Baby J is getting closer and closer.
But what’s a debt hater to do?
One side keeps telling me “DON’T GIVE UP!!! You’ll lose all your motivation and you won’t wanna come back and kill it all!” while the other one is screaming, “Just be done with it already! Stash any extra money away and don’t be so damn hardcore all the time.” Both very VERY valid points. And honestly, I feel like I could be happy with either.
If I give up now, I go back to having more cash saved up and fortifying our reserves even more – which may or may not be needed this first year of baby-hood. On the other hand, though, I feel like if I do that now I really WILL just give up on the mission :( And we’ve come so far already! $16,000 paid off in 8 months??? That’s crazy talk! And I realize this is all a GOOD problem to have here and all, but still – we all have our own issues.
In a small way it’s kinda like blogging every day. I tell all my clients that I’m SO scared to miss a day of my M-F schedule cuz I know that if I do, there’s a good chance I’ll let it slide even more and more, until eventually I just pop in every now and then and have to re-introduce myself with every post, haha… And that wouldn’t be good, right? RIGHT?? (An interesting fact you may not know – I have yet to miss a day of blogging in over 4 & 1/2 years! :))
So I dunno. I’m in one of those limbo states where I *know* what I truly want in the end (to rid ourselves of these stupid mortgages), but I’m also over that excited phase. And I keep dreaming of how nice it would be to keep all that extra money instead. And that’s IF, of course, we’re even fortunate enough to continue having that extra money after everything that’s been going on… If this is what it’s like to pay off huge amounts of credit card debt every month, it SUCKS! And I have a new appreciate for it all too.
What do YOU all do when you’re about to putter out? Do you take a break and then get right back to it? Or do you just let it fade away, and then get upset with yourself cuz you (yet again) let it go by the wayside? I’m not gonna make any rash decisions quite yet I don’t think, but we def. need to figure out how to get rejuvenated again… I gotta shake this thing off as I REALLY don’t want any mortgages lingering around for the rest of my life :(
Tell me something good!
Jay loves talking about money, collecting coins, blasting hip-hop, and hanging out with his three beautiful boys. You can check out all of his online projects at jmoney.biz. Thanks for reading the blog!