![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
1) I have a new habit. Since my car accident I drive to work a new way. This takes me by a coffee shop that has easy parking. I also had to give up caffeine a few months ago so I have been drinking decaf coffee. Well... I have been stopping a few time a week for a large decaf coffee. I sort of feel bad about it but the $2 I spend on it isn't much more then what I used to spend on the pop machine and the decaf coffee the have at work is pretty awful.
2) My emergency savings are finally back to where I like it. Usually I continue putting money into that account but I still have CC debt that I am going to throw it at. My goal is to have it all gone by the end of January. I think it is doable.
3) December is a three paycheck month for me. Woo!
4) I always debate paying off one of my mortgages early. As a reminder, I own two condos. When I bought the second one I owned the first one outright so I took a home equity mortgage on it to get a down payment for the second so I wouldn't have to pay PMI. I got a really good interest rate on the mortgage for the second condo but home equity loan on the first condo is at 7%. The other option is to refinance the first condo and get historic low interest rates. I think I would only do that if I thought Zach and I were going to stay in the condo for a long time and if I pulled out money to finish remodeling the living room/kitchen. However, it might be better to just put the money I would put into extra payments into a savings accounts and then use that to remodel the living room/kitchen. Okay, I am thinking too much about this.
2) My emergency savings are finally back to where I like it. Usually I continue putting money into that account but I still have CC debt that I am going to throw it at. My goal is to have it all gone by the end of January. I think it is doable.
3) December is a three paycheck month for me. Woo!
4) I always debate paying off one of my mortgages early. As a reminder, I own two condos. When I bought the second one I owned the first one outright so I took a home equity mortgage on it to get a down payment for the second so I wouldn't have to pay PMI. I got a really good interest rate on the mortgage for the second condo but home equity loan on the first condo is at 7%. The other option is to refinance the first condo and get historic low interest rates. I think I would only do that if I thought Zach and I were going to stay in the condo for a long time and if I pulled out money to finish remodeling the living room/kitchen. However, it might be better to just put the money I would put into extra payments into a savings accounts and then use that to remodel the living room/kitchen. Okay, I am thinking too much about this.
