Toyomafia - The Clubhouse. 151.880

I’m on a 15year loan, only have about 9 years left, right when my oldest is about driving age. Doesn’t leave a lot for extra fun funds, but it will be worth it in the end

 

My challenge will be keeping my “wants” in Tundra mods from becoming my “needs”. So easy to fall into the big hole. This morning I was looking and needing AlphaRex tail lights and then it turned into a need for Morimoto lights. Nope…..can’t do it

 

Exactly the plan. Have some credit cards with some ridiculous interest rates, consolidating and knocking out the biggest ones now. We also hit our principle payments as well, the mortgage dropped quickly then.

 

Goalkeeping and self control. Mods only after self-imposed milestones are met. You can do it. The remaining debt will be paid off pretty quickly if you can dump your mortgage on it every month.

 

You've got this!

 

#goals
Paying off the vehicles feels great. I can only imagine what it'll feel like to pay off the house. Congrats man!

 

Yeah - we refinanced to a 15 when interest rates were crazy low - same payment but shaved 5 years off our total payoff (including time on the original mortgage). Then started making extra payments immediately.

 

I have a decent rate, actually pretty good I think, but they payments are probably double what they would be, so throwing extra towards principal isn’t to advantageous for us right now. The last two or three years the payment has gone up due to escrow fees and what not, finally got a break this year with 150$ less payment. Hopefully it keeps dropping and then I’ll probably just keep paying the same but extra towards principle.

 

Saw this at Lowes yesterday..
Who doesn't like a pink box...

​

 

I don’t think that’s the original.

 

That's where girls keep their tools.

 

We had a project manager who was on top of her shit, other project managers would come to the site without anything and ask to borrow a tape, hahahah full grown dudes walking around with a pink tape was the best! She even got the owner once, but I think her preparedness pissed him off more than the pink tools

 

Tool or toys...

 

Hey… why you gotta make assumptions like that?!

 

Pocket R……atchet

 

That is so good. Having a home without a payment is a true milestone. Congrats. Get that high interest shit out of your life and you will be is a great spot.

 

What up crew!!! Hopefully everyone is doing good. We have had the Rona in our home for the last week and it’s been super fun. I’ve been fortunate not to have caught it (or not know) but the little one and momma have been going through it which has its challenges.

 

Keep strong papa, im sure you and everyone else in the house is sleep deprived. Charge some crystals in the moonlight and set them on your night stand.

 

Thanks man. Been held up in the Den all week. Hopefully things get back to normal soon.

 

Is this anyone we know?

 

Thanks! 47, so I guess officially in my late 40's! Yay

 

I logged on and saw all these alerts that I was tagged, and thought "What the f did I do"! Forgot about the bday thing, haha

 

Hope everyone is rebounding quickly and you avoid it yourself! Stay strong

 

Hopefully the family gets better soon!
Wife and I had it over Christmas weekend. Same deal, somehow managed to avoid it these pasts few years. Which I thought was a miracle, with her being around it all the damn time being a nurse

 

Yes.

 

Wife asked me to pull meat out the freezer for dinner. She was upset when she got home. I told her in my defense, she knows DAMN WELL I don't know wtf that means and/or how to do it!

 

Awesome, congrats!

18 years left for me...

 

Beers and beaches