TW> And with a great deal of Disipline it can really pay off. Because of a
TW> failed first marraige I did not get into buying a home until my middle
TW> 40's
TW> Thinking ahead we bit the bullet and paid off the 30 year Homeloan in 15
TW> years which matched my Retirement in 1991.
TW> We did it by cutting back to only the bare necisities and by driving
TW> junk cars. We have never owned and during those years pisked out
TW> transportation from the Consumer Reports WORST USED CAR BUY, Becasue
TW> they were cheaper. We also folowed a disipline of "Earn what you Spend
TW> and ONLY SPEND what you earn". So since I have retired we have never
TW> made a loan payment for anything.

Planning in advance is great, provided life doesn't throw you any curve
balls. My previous home would have been paid off last year.

I had a 15 year mortgage on it, but like you, a failed marriage threw me
back financially a bit.  I have been re-married for 7 years, and back in a
30 year mortgage on a much larger home.  Between accelerated mortgage
payments and additional payments each month, it is basically going to be a
20 year loan.  

I keep cars forever.  When I buy a new car, I keep it.  

We need people that think like us in politics.  We have not seen fiscal
responsibility in along time!

- Mark

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