How to pay off your mortgage
Tips on paying off your mortgage quickly 1. Have your mortgage automatically withdrawn form your bank account with a set addtional amount to go to the principle itself. For example, I doubled my mortgage amount with the other half going directly to my principle. 2. Put ALL extra dividends, bonuses, tax refunds, inheritance, etc directly to your principle. Make out a mortgage slip and send that in as an extra payment to your principle. It doesn’t matter if they are small amounts as long as they are clearly marked “principle”. If you get large sums of money sporadically, such as artists do after shows or when paintings sell, put a good chunk of that to the principle. I am friends with an artist family and they blow big chunks of money on frivolous items, but moan about their mortgage. Any extra money that comes in, that is not your salary, put towards the principle. 3. Check your mortgage policy. Is there a prepayment penalty? If so, see if you can have that mortgage transferred to another institution, which doesn’t have such restrictions. Maybe you can have your mortgage loan refinanced at a lower rate. Your monthly loan payment can be reduced if you put a certain amount down on your mortgage. For example if I put at least $5000.00 down, with a small fee, my loan payment was recalculated and my monthly payment became less. 4. Some people are putting large amounts of money into their savings accounts and investments, which don’t accrue the same amount of interest, as the interest owed with a mortgage. For example, last year I paid $1648.00 in interest with my mortgage, but did not earn any where near that with my small savings and investments. I pulled money out of my small investments, sold…
Ten Top Travel Tips
Here are great tips from a frequent traveler: 1. Save, don’t throw away, your holey underware and socks. Add to it, pants, dresses etc that are on their last wearings. Clothes that aren’t to your liking, or were given to you by an ex, could be included in this mix. Take these on your upcoming trip and leave them or throw them away as you wear them. Just think, you’ll have almost a whole suitcase available for souvineers and presents. If you leave clothes behind in a hotel room, make sure to leave a note to the maid, that they are unwanted. 2. Book trips way ahead of time, even by a year, to take advantage of great prices. For example, Viking River Cruises has 2 for the price of 1 deals. 3. Book another trip while onboard. You usually can change the date or destination later, but keep the 5% to 10% discount. 3. Get past cruiser discounts or a night free in a hotel, by sticking with the same cruise lines, hotels, or airlines/partners. There are big savings in loyalty programs. 4.Save your small containers, such as eye cream or lip balm ones. Put sunscreen, hair conditioner, etc in them for your small allotment for carryons. Remember to use your children’s pint bag liquid allowance for airplane carry ons and load them up with your extra lotions and potions. I especially use their liquid allotment on the return trips, when I bring back bodycare presents for friends 5. A great travel agent is invaluable, particularly if you are in a disaster on the way home and need assistance. Agents also can sometimes get upgrades and added bonuses, that you can’t. They can get cheaper prices, because they are experts and know how to get travel services in cost-cutting…
Travel Tips
It’s better to start packing for your next trip right after you get back, rather than waiting to do so right before your next one. If you need a new travel size deodorant or toothpaste, get them right away and pack in your carry-on. Wash your make up brushes upon return and when dry, pack them in your cosmetic bag. This way, if you have a family emergency, you’re good to go. I keep small containers on hand, so I can fill them up quickly. Save money, by recycling clean small containers, that used to contain your eye cream or lip balm. I also stash samples and the small cosmetic freebies from magazines, in one place and take them along on journeys. Airport security allows the blunt tip baby nail scissors to be taken in a carry-on bag. They are great for cutting open samples or foil pouches of facial creams. I also cut off the bottom of tubes, to get every last bit of ointment or cream, while on the road. I have a bin where my holey underwear and socks go, plus any clothes that have a few more wearings. Then I can throw away or leave the clothes enroute, to make room for new purchases. I went to Egypt with one small, carry-on suitcase and managed to have room for a lot of souvenirs and gifts. When I leave clothes behind, I put a note on top of them in the hotel, that I am done wit them. I keep an extra comb, travel tooth brush and disposible razor in my carry-on bag, so don’t have to remember to pack these before a trip. You may want to have a space in your closet for a nightgown and several travel dresses or outfits. Yes, I’m wearing…
Helping Local Charities when Traveling
When you travel abroad, think about helping local charities. If you know that you are visiting a school or orphanage, bring school supplies. Our nurses’ group brought supplies when visiting a school in a township in South Africa. We didn’t know to bring easy reader books in English, so I sent a shipment of paperback ones to them , after returning home. When I went to poorer places, I brought some common antibiotics, etc ( from pharmacutical rep.s, which I used to know) and gave them to clinics. In Burma, the guide asked if I had any pediatric medication that I didn’t use for my two kids on the trip, so he could pass them along to a doctor friend who worked in the local pediatric clinic. The last day, I gave him kids’ tylenol, etc. FINDING CHARITIES TO HELP A great web site is http://www.stuffmyrucksack.com/, which has a global map, and you click on it where you are going. For example, I clicked on Indonesia and a local charity in Denpasar, Bali ( same area as the international airport) was recommended. The web site states what they particularly need. This charity’s requests included body wash, pillow cases and diapers. Some items are so easy to pack and one could pick up pillow cases and children’s clothes, cheaply at your charity shop. You are invited to put down a local charity that you found when traveling, upon your return. Be sure to get specific information, such as address, phone#, directions from the airport, etc. Just think of the positive message that you will give your children, as you go to clinics, school, etc, when abroad. It lets them realize that traveling isn’t just about yourself. Enjoy your adventures, while helping others!
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