My oldest kitty is 10 today! We sang Happy Birthday to her. She is clueless, but it was fun for us.

We paid $758.83 towards the principal balance on our mortgage in the month of September. This might be the least we have paid this year! I did skip a $275 payment that I have been making nearly all year. We just had a lot of expenses this month, and I need that cash. It may mean I have to make up the difference later in the year to get to my goal.

Most of the balance reduction was from our regular payment, but the snowflakes I accumulated did exceed the extra I send in to round up our payment. The break down is below:



For the year, we have paid $11,240.93 on the balance. The goal is just under $14K, specifically $13,993.00. That means we have just $2,752.07 to go to meet the goal by year end. This is an average of $917. Since the principal portion of our payment is generally $472+, the other portion has to come from extra payments and snowflakes. Prior to this month our extra payments were $378. That means I only really need $67 in snowflakes each month. I may not make as big of extra payments from income if I can get more snowflakes.

I did relist three items on Ebay yesterday. I did want to list a couple more things, but I wasn't motivated enough. It will be fun to see if I can come up with some new sources of snowflakes in the next few months.

How much debt did you pay off in September? Any amount is good in my book. Don't let my high debt pay off amounts scare you. Sending in just an extra $5 is sooo worth it, because over time it all adds up and makes a difference!