Recent content by MTorrez

  1. MTorrez

    Torrez Family Mortgage Pay Off

    April is here, and so we throw another $1,000 extra on the principal. We could've swung more, but my 2 year old son decided to throw a book at the tv and take it out. Oh well, cest la vie. Mortgage is down to $138K. If we keep up at this pace by mid year the normal payment will be over $1,000 on...
  2. MTorrez

    Personal Capital

    Here are some reviews that describe it for those interested: Personal Capital's Retirement Planner - Forecasting Made Easy Personal Capital Retirement Planner Review Personal Capital Review 2018 | A Robust Tool to Track Your Finances
  3. MTorrez

    My mortgage must die

    With as quickly as you are on track for paying off your house it probably doesn't make sense to invest it only to pay off the house. If you had a 7-10 year time horizon, then it might make more sense to bother investing. You would be kicking yourself if you had saved enough to pay off the house...
  4. MTorrez

    Personal Capital

    Hey has anyone tried using Personal Capital? I started using it as a quick net worth tracker, but I really liked their retirement planning tool. It is pretty robust for a free tool, allowing you to generate several scenarios quickly. The cash tracking tool is pretty pointless, but the net worth...
  5. MTorrez

    Torrez Family Mortgage Pay Off

    You're on!
  6. MTorrez

    My mortgage must die

    The title to your thread is awesome. Sorry you hate your job, keep working your plan to freedom! I assume you have checked out FIRECALC.com by your user name reference and plans, but if not you should utilize this free resource. Maybe we will see you on house hunters international one day!
  7. MTorrez

    Torrez Family Mortgage Pay Off

    March has been a big month for making progress on the mortgage. Between tax returns, overtime and bonus we were able to lay the smack down on the mortgage with an extra $18K towards principal. March has historically been a huge month for us, so the rest of the year will seem like nickels and...
  8. MTorrez

    Torrez Family Mortgage Pay Off

    Another month, another principal curtailment payment. Thanks to some heavy maintenance activities I was able to pull in some extra overtime to throw $3,000 extra this month instead of $1,000, bringing the mortgage balance down to $159K. Got my tax appointment coming up this month and bonus...
  9. MTorrez

    Torrez Family Mortgage Pay Off

    Hello Everyone! It is nice to find a group of people as "crazy" as me, and supportive of each other as we work to get rid of the "good" debt. My wife and I bought our house in CA in 2010 with a 30 year fixed mortgage of $348K at 5% interest. It is a modest home 3 bed 1 bath, 1100 sqft in a nice...
  10. MTorrez

    "A smart man learns from his mistakes. A wise man learns from the mistakes of others." - Unknown

    "A smart man learns from his mistakes. A wise man learns from the mistakes of others." - Unknown