Comments on: Electric bills are expensive! http://www.withinwithout.org/2008/09/electric-bills-are-expensive/ i don't want to waste your time with music you don't need Tue, 06 Jan 2009 03:05:54 +0000 http://wordpress.org/?v=2.5 By: Robert http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-167 Robert Mon, 15 Sep 2008 03:37:00 +0000 http://www.withinwithout.org/?p=39#comment-167 Go with the 20 yr loan payments are still reasonable and rate is almost as low as 15yr Go with the 20 yr loan payments are still reasonable and rate is almost as low as 15yr

]]> By: Stephanie http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-163 Stephanie Wed, 10 Sep 2008 04:28:34 +0000 http://www.withinwithout.org/?p=39#comment-163 I was thinking along the same lines - go with the 30, but pay as much extra as possible on the principal each month as you can afford. Getting a housemate is also a good plan - I know it worked well for Christiana! love you! I was thinking along the same lines - go with the 30, but pay as much extra as possible on the principal each month as you can afford. Getting a housemate is also a good plan - I know it worked well for Christiana!
love you!

]]> By: abigail http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-162 abigail Tue, 09 Sep 2008 21:32:09 +0000 http://www.withinwithout.org/?p=39#comment-162 cute kitty! Josiah and I were going to offer you our cat because we're getting a pup soon :) and we're not sure if they will get along. but texas is kind of far from lancaster. glad you found a friend, he is cute. :) mortgage....I have no experience in this area because I have always rented. but I've worked in the financial field for a few years...and now at a bank. I hear good things about going with the 30year mortgage and paying a payment like it's a 15year whenever you can afford it. love you! cute kitty! Josiah and I were going to offer you our cat because we’re getting a pup soon :) and we’re not sure if they will get along. but texas is kind of far from lancaster. glad you found a friend, he is cute. :)
mortgage….I have no experience in this area because I have always rented. but I’ve worked in the financial field for a few years…and now at a bank. I hear good things about going with the 30year mortgage and paying a payment like it’s a 15year whenever you can afford it.

love you!

]]> By: LittleWit http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-161 LittleWit Tue, 09 Sep 2008 12:57:44 +0000 http://www.withinwithout.org/?p=39#comment-161 Pay what you can comfortably afford. You could also have the option of refinancing in the future when interests rates go back down. My gut still says to go with a 30 yr loan and just pay it off early. The last thing you really want is to decide between buying groceries or defaulting on your loan. :) Pay what you can comfortably afford. You could also have the option of refinancing in the future when interests rates go back down. My gut still says to go with a 30 yr loan and just pay it off early. The last thing you really want is to decide between buying groceries or defaulting on your loan. :)

]]> By: Lara http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-160 Lara Tue, 09 Sep 2008 04:34:41 +0000 http://www.withinwithout.org/?p=39#comment-160 Even though I have to pay what feels like a significantly higher interest rate? It will take me 18 years to pay off if I pay what I would have with a 15 year every month for the 30 year. So three extra years of payments... 36K. Even though I have to pay what feels like a significantly higher interest rate? It will take me 18 years to pay off if I pay what I would have with a 15 year every month for the 30 year. So three extra years of payments… 36K.

]]> By: Renee http://www.withinwithout.org/2008/09/electric-bills-are-expensive/#comment-159 Renee Tue, 09 Sep 2008 04:31:22 +0000 http://www.withinwithout.org/?p=39#comment-159 Re: the mortgage - go for the 30-year, you can always pay more of it, just like a 15-year one, but you'll have the option of not doing it. Make sure there are no penalties for pre-payment, and you should be good! Re: the mortgage - go for the 30-year, you can always pay more of it, just like a 15-year one, but you’ll have the option of not doing it. Make sure there are no penalties for pre-payment, and you should be good!

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