Budgets Are Sexy (2026 Guide)

There is a smarter way to approach budgets sexy, and it starts with knowing a few key details. This guide covers them, along with tips you can apply immediately.

Key Takeaways

• So here’s the offer.  I genuinely don’t wish to have a mortgage anymore ;)  We have $350,196.93 in mortgage debt, and I wish it gone in 10 years.
• So today we finally jump on a game plan and knock these suckers out.
• Worth noting: here’s what this means: Going forward, I, J.
• That’s 1/2 the amount of money I require right there! (Though I’m still gonna miss the crap out of it).

Tips That Make a Difference

So here’s the offer.  I genuinely don’t wish to have a mortgage anymore ;)  We have $350,196.93 in mortgage debt, and I wish it gone in 10 years. So today we finally jump on a game plan and knock these suckers out.

I present to you, Operation Kill Our Mortgages I’ve been alluding to it for weeks on end, but following some solid soul searching and sifting through all the advice from everyone - including you! - we have finally come up with a solid plan that I genuinely think will will do wonders if we can stick to it every month. It’s the only aspect left in our financial lives that we have utterly avoided (with the exception of refinancing earlier), and it’s time for that to end!  Operation Mortgage Spend Off is now in full effect!

Common Mistakes to Avoid

Worth noting: here’s what this means: Going forward, I, J. Money, will spend off an additional $2,000 EVERY MONTH towards our mortgages, no matter what.  I don’t care if I have to take from discounts, or begin an 8th job , I’m gonna kill that debt once and for all.

That’s 1/2 the amount of money I require right there! (Though I’m still gonna miss the crap out of it). My goal is to be MORTGAGE-FREE in 10 years.

Is Budgets Sexy Worth It?

More importantly, that would put me at 41 (yikes), but the happiest 41 y/o around ;) I don’t know what’s around the corner from today, or where we’ll even be in life just 3 years from now, but as it stands that’s the game plan. I’ll stick to it for as long as it build sense.

What this looks like As of this second, we have a total of $350,000 in mortgage debt.  And I’m not gonna lie - this $hit’s gonna be hard. But freedom aside, this will too save us a TON of money!!  And when I say a TON, I mean well over $200,000!!!  All by changing the payments of the same loan we already have.

Where the Real Savings Hide

Keep in mind that here’s a visual of what’s in retailer for Mortgage #1 (our 30 year fix): How sickening is that? The other one is at $61,758.47, and is technically a maxed out Home Equity Line of Credit with a variable 2.8% interest.

The massive one with a much greater interest rate, or the smaller guy with 1/2 the interest, but the much shorter spend off time? Paying off the smaller, quicker loan, first. (Which will take regarding 2 1/2 years to grab rid of, saving us a cool $24,000 in the long run!

A Closer Look at Budgets Sexy

As a rule, to calculate this guy, we used Bank Rate’s interest-only mortgage calculator, which allows for entering scheduled added payments). So that’s the plan!!  We’re regarding to kick some ass and blow these dang mortgages right out the door.  It may be a little hardcore, and probably not wise for some others out there, but for at the moment it builds total sense for us.

Our emergency fund is on lock. Our discounts accounts are somewhat plump.

What to Know About Budgets Sexy

In short, and our investment portfolio is decent enough until we can begin building it back up with anything added that comes outside of this $2k allotment.  It’s gonna take plenty of work, and I’m sure I’ll be bitchin’ regarding it in no time, but you better believe I’m ready to begin! I know some of you already got your Millionaire Club card from back in the day, but you better believe this will assist steer that ship too.  Can  you imagine what not your net worth would look like without a mortgage on it?? (Visited 692 times, 1 visits today) Grab 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. So today we finally jump on a game plan and knock these suckers out.

Is it worth shopping around for budgets sexy?

Usually yes. I present to you, Operation Kill Our Mortgages I’ve been alluding to it for weeks on end, but following some solid soul searching and sifting through all the advice from everyone - including you! - we have finally come u....

What should I check before buying?

Read the terms, confirm any code still works, and factor in shipping or returns. It’s the only aspect left in our financial lives that we have utterly avoided (with the exception of refinancing earlier), and it’s time for that to end!  Operation Mortgage Spend Off is now in full effect!.

Smart Ways to Save More on Budgets Sexy

• Leave items in your cart for a day; some stores send a follow up discount.
• Pair cashback with a coupon so you save twice on the same order.
• Stack a coupon code with an existing sale whenever the store allows it.
• Sign up for the retailer newsletter to catch first time and seasonal discounts.
• Compare the final price including shipping, not just the headline number.

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.