Thursday, April 30, 2009
I have plans...big plans...life plans. Some of you may think this is strange coming from a 35 year old, but it's true. I am planning my life. Yes, I'm sure there will be some twists and turns, surprises thrown at me, and modifications.....but I'm making plans! Sadly, the people in my family don't live long lives...so I need to cram my dreams in as soon as possible. My only regret is that I didn't start working on these plans 10 years ago!!!
Right now we are in the process of refinancing the house. This time last year we became debt free (except for our house and HE loan.) This year, thanks to a nice tax return and looooooow interest rates, we are finally refinancing. We will be rolling the two loans into one and paying cash for the closing costs. We'll be dropping down to a 15 year mortgage and our payments will stay just about the same or may even go down some!
We have a lot of equity in our home, and you may be wondering why we don't take out some extra cash and take a trip to Disney or buy some new toys, but that's not my plan. My plan is to pay off the house as soon as possible. With a few extra payments a year, my goal is to have the house paid off by the time Heather goes off to college....in about 12 years.
When she heads off to college, my plan is to sell the house and most of our stuff and buy a really nice RV! Ron and I will be traveling the country with the greyhound(s) and enjoying life!
I'm not sure if you all know, but my husband has a form of Muscular Dystrophy. Basically his muscles are deteriorating and I'm not sure how much longer he will be able to work as a mechanic. I hope his body will hold out until Heather is ready for college. When his body finally gives up, I am thinking that he should be able to collect disability...but at this time I can't count on that. Should his body not hold out that long....maybe we'll just move everything up and take her with us! There are lots of online schools where she can finish high school while on the road!
For income on the road, I plan to continue my crochet designing. It's not a lot of income, but it should be enough to buy groceries! And there are always other odd jobs that can be done around the country. And lots of family and friends to visit.
Doesn't it sound great??? It does to me!
But these are my plans....just thought I'd share.