Light and the end of the tunnel

I have been saving up my money for some time now. I am about 3 months away from having enough to pay off one of my loans. Unfortunately boulders are being thrown my way as usual. I apparently have to deal with the renewal of my flood insurance I found out yesterday. An unexpected 477 bill that apparently won't be covered completely by escrow. I am now faced with a somewhat crappy decision. I can either pay for this out of escrow by putting in the difference or pay the whole thing off in one shot.

I am leaning towards paying it off in one shot then paying my bill as I would regularly. That way I make more of a dent in my mortgage per month. Not fun, but doable.

Anyhoo... I will have one loan dead by April, then I take a break and start on the next loan. I will have an extra 144 each month to help me make it.

Once I kill my second loan I will work on my car loan.

Once I kill my car loan I move on to my home loan.

The home loan will have to be a longer set goal. In addition to paying monthly bill I will figure out a number that will help me bring it down. I will open a 401K when my two loans are paid off and plan out my car loan which is much smaller and a ways off.

I want to be debt free, that will make me happy.

Perpetually Engaged

I don't understand some of these people out there who are living with someone, but I mean living with them for more than 5 or 6 years, have bought a house together and have not gotten married yet.

Who are they fooling? No engagement, no talk of getting married, nothing. I find it odd. I think people need to grow up and realize that getting married is more than a ceremony. It is about taxes, property and being able to have a say so in your significant other's well being if they are down for the count.

So hiding behind the stupid ass notion of "I don't believe in Marriage" will carry you as far as it can legally. Then argue with a judge or a fucking nurse at a hospital regarding how you should be involved in this person's life but you aren't married.

Stop being stupid.

You don't need the ceremony you can just go to a court.

It costs about 200 bucks. No real excuse there.