springtime

well sometimes the hardest thing to do is to focus on all the good things you have in life,example financial freedom,it's the first time in 20 years I've ever had to live on a budget and it's quite humbling so to speak,I mean I've always lived within my means,example when I was making tremendous money I paid off my house,I did not have any faith in the stock market because I'm not smart enough for that kind of stuff,example i took a real bath and lost $12,000 in the stock market,so the only thing I was able to do was pay off the mortgage on my house,because I printed out a amortization schedule,and when I would double up the mortgage payments I could see how much I would take off the principal,so in my case I paid off my house in four years and instead of paying $150,000 in interest if I would've ran the loan for a full 30 years,I only paid 5000 in interest,so with the money that I saved in interest,I was able to purchase a new vehicle because instead of having a mortgage payment I had a car payment,and then without a mortgage payment I was able to pay off the the car loan quickly.and then that gave me money for other things.my point is that by paying the mortgage off quickly I had all the extra money to buy nice things,but in the beginning I sacrificed by driving old junkie cars,and I was obsessed with paying off the mortgage on my house,but if you print out a amortization schedule for your loan,and every time you pay an extra $500 on your principal you will see that it knocks months off the loan.some people will say while you lose the tax write-off,my case it did not matter because I did not have enough deductions to file an itemized tax deduction,I was much better off just taking the standard rate and doing the 1040 easy form,I'm just trying to focus on positive things I have done in my life.I know everybody's circumstances are different. but it really turned out great for myself in that I was able to use the interest I saved on my mortgage to buy toys with,example new vehicle.so that is my positive thought for the day.