MoneyOnMyMind
Welcome to MoneyOnMyMind, the go-to Circle for practical personal finance inspiration, tips, and real talk on managing your money. Whether you’re budgeting groceries, digging out of debt, building credit, learning how to invest, or wrestling with retirement plans—this is your community for smart, non-judgmental financial wisdom in short-form. Get motivated, swap hacks, and let’s help each other master our money one decision at a time.
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171 Comments
fools
Bro saying it’s not that difficult when he charging people hella for that info
Depends on what kind of loan you got and yes I've even done this on car loans.
uhhh making one extra payment each year will not take 13 years off your loan. Just FYI
Things your government doesn't want you to know, because they hate your guts.
only if you havr a house at his price.
I paid an extra 150.00 a month....to principle
smh nowhere are alot more factors
good to know for when I get my first house
That math ain’t mathin
and u still don't own your house
I had a 15 year mortgage on $93,500 . I paid double the principal $826 x 2 each month and paid off the mortgage in a little under 7 years. My yearly income was $60,000 for two adults .
you can also do bi weekly payments
siue, that's springfield isn't it? or is that Edwardsville
And you get hit by paying off your loan early
Imagine two extra payments a year
Mortgage freedom sounds more like unsecured assets for someone else to take. Sounds like a property not protected by a first lean mortgage. Sounds like a target for scamers and criminals( school boards, county governments, and the IRS are some of the biggest criminal enterprises out there).
As Long as you have no prepayment penalties
dad bought a house for $25,000 and a bag of chips, that's the damn trick
30yr to 22yr with one extra payment yearly
it does make the loan shorter but not that much shorter not even close not even close
its because he lives within his means or under. he obviously makes more than enough to live comfortably how he lives so he just put more towards his house. cant do this stuff now adays or u will not eat or have a vehicle.
he thinks people nowadays can afford to pay double a month 😂😂
Paid off my condo in a year house in 12
So theoretically speaking if I make a couple maybe three additionals I’m set
how they did it? they believe in the system. they are brainwashed...
30 year mortgage for a 15,000 house
Wrong. It will take off about seven years.
20 year mortgage. I paid it off in 12.It's not rocket science.
🐃💩
it doesn't work. 😂😂😂
i pay extra every month, about $50-75, and it might knock off like 7 years.
The mortgage payment for them was on $500 a months. Try that now
I dont think so. I think these slimey sombishes put the interest first. THEN the payments touch the principal. Check with them🔥🔥🔥
He is totally wrong
must be nice 🥰🥰
My wife and I did this twice. It does work. We even did a fifteen year mortgage with the second one.
Finally someone I arrest with. I was able to pay my house off in 15 yrs. But it will only work if you have the money to do so.
actually. they did it in a time when a minimum wage job working 40 hours per week could support a family of 10, 2 dogs, a cat, and purchase a house on a decent peuce of land with only one person working and pay it all of in under 3years time
its about 6years
In essence you need more money. If you broke after your mortgage payment your SOL. This doesn't help anyone who's poor or making ends meet.
wow i really wish I had somebody to teach me this stuff before.All the good men part of my family passed away
Divide your payment by 12 , add that to your monthly payment . 12 months one extra payment .
That’s just one way of doing it
dont do it 😂😂😂
I did that with my first car and we paid it off really quick
Bruh what? Someone correct me if im wrong but wouldn’t you just pay the same amount of money but in a shorter time frame?
This has been known for 50 yrs. Thanks dad
The way to pay off a house early by being richer
oh ya just let me use my barmitsfa money... oh wait I forgot im a goym so this message doesn't apply to ones who dont already have money. or better yet work 2 jobs and still only have enough to pay rent 😅 woops silly me
Vehicles as well!
the math doesnt math. if your payment is 1200 a month for 30 years thats 432,000 including interest. 1 extra payment a year of 1,200 is 20,400 in 17 years remeber that number. now 1,200 a month for 17 years equals 244,800 add the 20,400 thats only 265,200 of the 432,000. theres no way 1200 a year extra will save you 166,800 in intrest. the math doesnt math. for it to make sense youd have to make way more then 1 extra payment. mybe 3 or 4 extra payments per year might work
he is so right, even if you just pay extra every payment you will cut the time of your loan,just pay an extra 20 or what ever you can, it helps.
Sucka
So not true. It take more than that. Use the amortization calculators. It's more than one or 4 a year.
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