This could under mortgage - if a moderator wants to move it - I am ok with that. 
This is just to share my excitement....kind of like having "ants in my pants" - I am so excited!!
I have made my mortgage my number one enemy. Set out to pay it off early (that was a given) but have really focused on making it a top priority. DH is on board with this.
1. Looked at current balance.
2. Looked at expected pay off date.
3. Set a goal to pay it off.
4. Redid budget to see if we could throw any extra money on the principle balance.
5. Made an excel spreadsheet that has all projected payments, projected interest that will be added monthly (it's an ARM - interest is calculated once a month on the principle balance only), and the dates.
My estimated payoff date is now September 4, 2014!!
I know it's subject to change, without notice, as life happens. And it will happen. But it's sooo cool to have a projected pay off date that is less than two years away!!!
I have "ants in my pants" with the excitement and anticipation of making it happen.
Happy dance for you!!! Minus the ants though.
Starting Score: 504
Current Score: EQ FICO 819, TU08 775, EX "Who Knows?" Quizzle 756
Goal Score: All Scores 760+, Newest goal 800+
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