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Less Mortgage Debt

October 28th, 2014 at 01:10 pm

The $250 Citi Thank You reward check was applied to our mortgage late last week! Today, I also sent in another $18 in extra funds (snowflakes) to reduce the balance even further. That money was from one Pinecone Survey check and three $5 Target gift cards.

The mortgage balance is now $X16,512.76. This means just $1,512.76 left to pay down before the end of the year to meet our goal. We are right on track or even ahead of schedule.

Once we meet the actual goal amount, I will stop sending snowflakes to the mortgage. I will need to use these to offset some big purchases of late, primarily car maintenance. And there's that flute we still need to purchase. We have also been buying some new uniform items for my husband due to his promotion. Just last night I ordered a new service cap to go with his ASU (dress uniform) to the tune of $105! This stuff adds up, so I need to get some of this cash back into the bank.

I have a bid on one item on eBay, so another small snowflake will arrive before the end of the month, although I may count it towards November. I also redeemed MyPoints for a Panera Bread gift card. If I use that for an outing with friends, I will match it with mortgage funds.

If you have the Discover card, remember that online purchases for the quarter earn 5% cash back. I luckily remembered this when I ordered the service cap and some vitamins online yesterday?

What is your most recent snowflake? Are you using a cash back card for your online purchases? Are you nearing a goal you made at the beginning of the year

I've got a new post at

Text is Your Organized Friend and Link is http://yourorganizedfriend.blogspot.com/2014/10/desk-decluttered-and-less-paper.html
Your Organized Friend, with a little more decluttering I got done yesterday.

2 Responses to “Less Mortgage Debt”

  1. Bright Says:
    1414513694

    Congrats! it all adds up! Yep i do the online for cash back. Mine goes in the fun account.

  2. FrugalTexan75 Says:
    1414549156

    I had an offer through Discover - spend $500/mo for four months and get $100 back. I was tempted, but decided to not do it because I'd like to get my spending to LESS than $500 a month (outside of rent and utilities). So I guess you could kind of call that a snowflake. Smile As in money not spent (hopefully)

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