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Lately I have been thinking a lot about.  If we did not have any housing costs, then our monthly expenses would significantly decrease.  This is a very generous monthly budget I have drafted.

Property Taxes: $358
Food: $600
Car Insurance: $190
Electricity and water: $175
Home insurance: $50
Cellphone + internet: $120
Life insurance: $42
Travel and Entertainment: $300
Home maintenance: $100
Total: $2135

I know that I didn’t include donations, taxes, and health insurance, but I did include a generous estimate of our core expenses.  We actually don’t spend that much in some of the categories above.  So what does this mean?

By my calculations, if we maxed out our 401k and then threw every penny of our earnings  at our mortgage right now we can pay it off in a little over five years.   And in lieu of a sale at the or cash raining from the sky, it may be our only alternative. If we had the mortgage completely paid off, then we would be very close to financial independence because it is not extremely difficult for us to generate $2000 a month through part time work or online ventures.  Even though I am not blogging much as before, I am still making money from my old articles.  If I had more time to develop my websites then it is not inconceivable to generate another $1000 a month.

The hubby is telling me to do what I think is best, and I have been prepaying the mortgage, but not at an extreme level.  We have thrown a few hundred  extra to the principal every month.  Perhaps I should start throwing every penny at it from now on.  Our mortgage rate is only 4.875% and some may say that there are better investments out there now, but I feel that it is tough to find something with a guaranteed return of 4.875% now.  The economy is still at a precarious stage where deflation seems imminent.   We already have a good cash emergency fund that would last about 2 years, and we are still investing in the stock market for the long term in our 401ks.  Basically, there is no reason not to pay off this debt now.

Some people have told me that I am crazy, but I really think that I am just being conservative.  Why would I want to keep debt for decades?

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viagra webmdon 08.06.10 at 1:54 pm

As long as your other bills get paid, your emergency fund stays intact and you max out your 401K – why not pay off the mortgage?

My husband and I paid ours off last year and it’s been fabulous. I’d been making double payments for a few years before, so it’s been like acquiring a second income.

Just a note – a hundred bucks a month would never cover home maintenance costs for us. But we’re DIYers and always have some sort of project going.

viagra webmdon 08.06.10 at 3:14 pm

[...] This post was mentioned on Twitter by Peter Freer, Peter Freer. Peter Freer said: The No-Mortgage Budget: [...]

viagra webmdon 08.07.10 at 6:35 am

My husband and I feel the same way. Our mortgage is also at 4.875%, but it seems crazy to want to keep the debt for the next 14 years (15 year mortgage originally). We also would like to pay it off early and be that much closer to financial freedom.

viagra webmdon 08.08.10 at 6:12 pm

What do you intend to do after the house is paid off?

In your case the answer may be “retire from full-time work and blog’n'stuff” … but, for most people the answer is to start investing.

I would lock in my sub-5% mortgage for as long as possible and invest every penny that I can get my hands on into RE and/or good American businesses.

If you think <5% is going to be a good 'average return' for the next 10 years, then you'd better sell everything up and head for the hills :)

viagra webmdon 08.09.10 at 3:26 pm

If you can truly afford to pay off your mortgage in five years. Consider opening a account. They are currently offering 3.99%, five year home equity loans at no cost. Your loan to value ratio needs to be less than 70% to use your tax assessment appraisal, else they will want you to pay for an appraisal. Think before you jump. You would be locking in to a five year loan.

viagra webmdon 08.10.10 at 3:05 pm

i think you should pay off mortgage unless you come up a way to generate more than 5% from your extra money . Dont forget to open home equity line, they are cheap emergency money :)

viagra webmdon 12.21.10 at 1:17 pm

My husband and I feel the same way. Our mortgage is also at 4.875%, but it seems crazy to want to keep the debt for the next 14 years (15 year mortgage originally). We also would like to pay it off early and be that much closer to financial freedom.

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