Forgive Us Our Debts

Filed Under Home Sweet Home, Money, PPP | 3 Comments

We don’t have too many of them, but man does it drive me crazy to think about the stuff we owe on. Mostly it’s just normal stuff like home mortgage loan, Jonathon’s student loan, and one car payment. We have one credit card that we use, and we pay it off each month. Now we have some medical bills and stuff from Bailey’s birth that weren’t covered by my insurance. For one thing, the epidural. $600, none of which was covered. Funny, that’s the one thing I don’t mind paying for at all. It was worth every penny. I made an Excel spreadsheet to keep track of the stuff we are paying on, because the medical bills are from a few different places. Yeah, I’m a nerd with stuff like that.

Sometimes I think we would have a lot more money right now if we hadn’t bought a house already. I was reading about how younger people are rushing into buying houses but I don’t really think buying a house was a mistake for us. We’ve been here for two years and we already have *some* equity in our house. We didn’t pay a whole lot in closing costs. And we like it here.

The thing that I am really glad we didn’t do was get an adjustable rate mortgage. I know quite a few people who did that and now they are rushing to refinance. I also know a few people who made the mistake of buying too much on credit at some point. When we first got married we financed some furniture, a mattress, windows, a computer, and a bunch of other junk. We paid them all off before we got any finance charges but it was a pain. I am glad to be out of that trap. Anyway I guess I am rambling but I have been scurrying around today trying to straighten out some bills and stuff.

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