Recent content by OMY-Syndrome

No my current kitchen is just that bad:facepalm: from years of LBYM. Although perhaps I am just making an excuse, classic OMY. I should have time to open up a intro thread this weekend. We can dive into my disease there.

Agreed, that is my biggest problem. I will open up a thread in the introduction forum and explain my story. The short version is 5 years ago I set a goal to FIRE in March of 2016. I met the goal for FI, but have decided to stay another year so I can have my kitchen re-done. Classic OMY

Understood. I will NOT take my ball and go home.

Spelling has never been my strong suit, but point taken. Although, just for the record I was not trying to come off as a financial expert. Just trying to pass along a tip I found useful and that I used to save money. It seems like new people are not welcome here, so I am fine with just...

This distinction of whether the interest is added to the current balance or held on some other line item in some accounting journal is not relevant to the substance of this discussion. Not sure why you felt the need to say this, In my examples I said that it was last month's interest they...

Actually, I am correct. The previous months interest is added to the current balance at the beginning of the month.If you make an extra principle payment during the month they do not make any additional interest calculations.The only time they charge a pro-rated interest payment, is when you...

Actually, I was correct, because I was talking about an extra payment.

I just joined the forum today, but I have been lurking for many years. I never really felt I had much to contribute, but I had to weigh in to this topic, because I think I have some info that can save forum members who are paying off their mortgage a few bucks. I paid off my mortgage a few...