Just wanting to share a little bit about myself and figured that my 08' resolutions (I have several) are a good beginning.
#1 I'm going to spend 1 day a month doing nothing but horse stuff. That means don't turn on the computer, turn off all forms of communication with the world and focus soulfully on my beloved 4-legged friends for a full day. It's amazing how a person who hates the TV can love the PC, I think it's because I can interact with it so much that I feel busy. Whatever it is, I vow to break the addiction this year and use the PC only for work.
#2 Get plenty of cardio exercise on a weekly basis. That means working out for 90 minutes 3 times a week and make it a habit forever! There's some time away from the PC.
#3 Make 2 extra house payments a year which will shorten my loan to just 14 years, which is very attractive to a 40 something woman who wants to be done with house payments by the time she's 60. One never knows what's around the corner and the older you get the closer those corners are!
So those are the things I have vowed to do this year. It's now February and I have yet to do any of them except go to the gym a couple of times and put that little extra towards my principle. If your wondering how I can do that it's really easy. Just divide your house payment by 12 and times that number by 2, that number is your extra you pay to your principle only. If you don't have a spot for it on your statement or coupon then you need to write a separate check and state on it for principle only, this will lower your principle by tons within a short time and interest too! Before long you will be mortgage free and it didn't even hurt!
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