mortgages

Ceiling Circles

Financial Cage Match: Paying down a mortgage versus investing

Posted by on | Featured

This is another entry in the Financial Cage Match series, where I look at two competing financial priorities and see which one comes out on top. Here’s another entry: Paying off student loans versus investing for retirement. WARNING: This post … Read More … Read More

Tags: , , , ,
Man lying down

Just making sure: Mortgage interest isn’t a reason to hold on to a mortgage

Posted by on | Featured

WARNING: This post contains math. “When you have a mortgage, you get a tax deduction for all the mortgage interest you pay. So you shouldn’t pay down your mortgage early, because you’ll lose the tax deduction.” This is one of the … Read More … Read More

Tags: , , ,

My mortgage principle that I broke (sort of)

Posted by on | Featured

  Finances and emotions. They go together like one explosively codependent couple. Don’t be fooled by my focus in the numbers side of the situation; I’m not immune to fear and anxiety either. I’m going through the process of becoming … Read More … Read More

Tags: ,

Why not pay cash for a home?

Posted by on | Featured

  WARNING: This post contains math. There is definitely something compelling to owning your own home, from both a psychological standpoint but also a financial standpoint. But I’m not a fan of debt. You know this by now. And in … Read More … Read More

Tags: , , ,

Five reasons why you can’t afford to buy a home

Posted by on | Featured

  It seems like lots of people I talk to these days are thinking about buying a home. Perhaps it’s the season, or the particular intersection of age and socio-economic background in the circles I travel in. Perhaps it’s coincidence. … Read More … Read More

Tags: , , , ,

Forget your credit score (but learn from it)

Posted by on | Featured

  I consider myself pretty hard to incite, but our collective focus on our “credit score” can be very frustrating. I think we focus way too much on our credit score, and it leads us to make decisions for the … Read More … Read More

Tags: , ,

Pay what you owe (and take the high road)

Posted by on | Featured

  Last time I talked about how I automate all my bills, and recommend that you do the same. But during the course of my argument, I dropped in this statement: …most of all, your record will say that you … Read More … Read More

Tags: , , , ,

Is there such a thing as good debt?

Posted by on | Featured

  I said it for years: “…but it’s good debt.” More specifically: “I have [a stupid amount] in student loan debt, but it’s okay, because it’s good debt. I mean, at least it’s not credit card debt.” One day, though, … Read More … Read More

Tags: , ,