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PaperclipPerfector  2d ago (text post)   1581 thread views

Friday Fun Thread for January 30, 2026

Be advised: this thread is not for serious in-depth discussion of weighty topics (we have a link for that), this thread is not for anything Culture War related. This thread is for Fun. You got jokes? Share 'em. You got silly questions? Ask 'em.

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Who here makes extra payments on his mortgage? Or has a paid-off house?

I make extra payments, and looking through my amortization table just now I was incensed to learn that a full 75% of all of the reduction in our loan balance is solely due to our extra principal payments! What in the scam? (Edit: I guess I have to clarify that I am not retarded and do not believe that a 30-year mortgage is literally swindling me through nefarious trickery.)

Further, to say nothing of the compounded benefits, we have a present-day benefit in the form of $2,000 of saved interest, and we're still very near the beginning of our loan term! It's obvious when placed next to an amortization schedule that assumes we only make necessary payments.

(2/1/2026 Loan Balance)minimum payments - (2/1/2026 Loan Balance)extra principal - (sum of extra principal paid) = ~$2,000

I realized when I read through the mortgage documents that the full 30 year term would have me paying double what I borrowed for the house, so resolved to pay it off as fast as possible.

I probably lost out paying down the mortgage vs putting the money in an index fund, but I don't really regret it. If all goes well everything will be paid off by next year, and I'm looking forward to not having a mortgage.

There’s a fantasy sequence from the sitcom Everybody Hates Chris in which the father declares they don’t owe anybody a single penny, and I remember thinking, “Whoa could you imagine.”

Congrats on approaching what many consider a fantasy!

I have to say each time I see that $0 in the "non-recurring debts" in my financial dashboard I feel that little warm fuzzy feeling inside. I realize that not all debts are bad debts, rationally, but some part of my brain just insists "neither a borrower nor a lender be" and I can not fully deny it.

in which the father declares they don’t owe anybody a single penny,

Easy to do for us rentoids.

You'd be surprised. Most people I know are addicted to their car notes and are never without one.

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