Budgets Are Sexy (2026 Guide)

Saving money on budgets sexy does not need to be complicated. Here is a clear, no nonsense rundown of what works and how to make the most of it.

Key Takeaways

• We’re $60k+ underwater!!!  I wouldn’t let myself refi either.
• But you know who did?  Chase!!
• I didn’t think so either, but the rep said they were pretty much trying to keep my business.
• Yeah!  Let’s call them up and tell them the deal we got, and have them bid for our business!  I am sooooo savvy!!!” Haha… Yeah.

Getting the Most From Budgets Sexy

Maaaaaaaaaaaaaaaaan I’ve been waiting a long time to say that :) Seriously, we try each 5-6 months and consistently heard back “No,” “No,” and “Hellllll No!” Haha… and damn understandable too. The same bank that already HAS our 1st mortgage, which is the craziest part of the whole aspect in my opinion.  And what’s even sillier is that THEY called US to see if we had considered it before?

Worth noting: i honestly thought someone was trying to scam us.  I kept asking them questions to see if they were legit (they were), but it was pretty damn weird.  When does a financial institution call you to SAVE YOU MONEY??  Doesn’t make sense, does it? Which is with USAA, and whom I also called thinkin’ could be of assist - which actually came kinda close, but also kinda not once they realized the details of our situation ;)  I swear though, one of these days!!!) So.  That’s the quick story of how I got from nowhere, to somewhere, in the last 30 days.

Tips That Make a Difference

More importantly, whew, that was a lot to get out.  Only took me 15 mins to type though! Haha… that’s what passion and excitement does to ya ;) Okay, so what does this new refinance look like?

Well, here’s our old 1st mortgage: Chase Bank 6.875% (fixed) 30 year INTEREST-ONLY mortgage Monthly payments of roughly $1,917.96 Zero toward principal, other than the added I threw against it each now and then Our NEW 1st mortgage: Chase Bank 5.5%!!!! (fixed) 30 year CONVENTIONAL loan! Monthly payments of almost exactly the same amount: $1941.42 Roughly $320 paid toward principal each month!!!

Common Mistakes to Avoid

Remember that 1 and 1/2 months until our 1st payment is due, giving us $2k to do something with. Closing costs of roughly $5,000 - which will be “paid off” in a little over a year. (Unless we apply that $2k “saved” towards it.

Then, 9 months.) How’s that for a clean getaway? We drop almost 1 1/2 interest points, get our loan upgraded from “interest only” to “conventional” - AND keep almost identical mortgage payments?!!!  MAN that is exciting.  Even though we had to pay $5k to close the deal!

Is Budgets Sexy Worth It?

As a rule, that guy 4 years ago who signed that original loan?  He was living in the here and now. He still may be one crazy mother f’er up in here, but when it comes to owning a home he’s come to realize it’s certainly no joke.

Now… on to figuring out what to do with that “added” $2,000 laying near ;) , , , - PS: I at no point thought I’d say it, but Amortization is sexy too!!! (Photo by jelene) (Visited 27 times, 1 visits right now) Get blog posts automatically emailed to you!

Frequently Asked Questions

How can I save money on budgets sexy?

Compare prices across a few retailers, look for active coupon codes, and time bigger buys around sales events. The same bank that already HAS our 1st mortgage, which is the craziest part of the whole aspect in my opinion.  And what’s even sillier is that THEY called US to see if we had considered it before?.

Is it worth shopping around for budgets sexy?

Usually yes. Worth noting: i honestly thought someone was trying to scam us.  I kept asking them questions to see if they were legit (they were), but it was pretty damn weird.  When does a financial institution call you to SAVE YOU M....

Smart Ways to Save More on Budgets Sexy

• Sign up for the retailer newsletter to catch first time and seasonal discounts.
• Compare the final price including shipping, not just the headline number.
• Check for student, military, or first order offers you may qualify for.
• Time non urgent purchases around major sale events for the deepest cuts.
• Leave items in your cart for a day; some stores send a follow up discount.

Final Thoughts

The bottom line on budgets sexy: a little research goes a long way. Compare your options, watch for seasonal offers, and never pay full price when a better deal is a click away.

Originally published at budgetsaresexy.com.