{"id":1237,"date":"2017-07-21T03:00:47","date_gmt":"2017-07-21T08:00:47","guid":{"rendered":"http:\/\/kerryaclark.com\/?p=1237"},"modified":"2017-07-20T18:40:40","modified_gmt":"2017-07-20T23:40:40","slug":"what-are-you-getting-into","status":"publish","type":"post","link":"https:\/\/www.kerryaclark.com\/blog\/what-are-you-getting-into\/","title":{"rendered":"What Are You Getting Into?"},"content":{"rendered":"

It’s Okay to Talk About Your Mortgage – Part 1<\/span>
\n<\/span><\/h2>\n

When I reached this topic in my outline, I asked myself what in the world could I possibly say about a mortgage. Here it is between Pamela and I, we have had three mortgages and have yet to payoff one. \u00a0Boy, it’s going to be a great day to have a mortgage burning party! \u00a0Nonetheless, this series of blog posts is about creating a Family Plan<\/a>\u00a0and so if you (we) have a mortgage then it needs to be included in our planning. \u00a0While I’d love to highlight our successes, in many cases we’re not there yet and that’s why we have a Family Plan<\/a> and suggest you put one together as well. \u00a0How could you have your mortgage paid off by the time your child begins college? \u00a0That’s the question that started our planning with regards to our mortgage. \u00a0What plans can you set and work towards? \u00a0Maybe you need one, already have one, or are about to lose one (a mortgage that is). \u00a0Regardless of your circumstances, everything works better when you have a plan of action.<\/p>\n

Let me say this upfront, I am not a fan of owing anyone anything, especially money. \u00a0I hate loans and borrowing money, but this wasn’t always the case. \u00a0Hence the reason, we have debts, like most, that must be paid and our mortgage is one of them. \u00a0We have a mortgage because we wanted a home and didn’t have the money to pay for one. \u00a0\"\"Let me tell you our story and hopefully convince you more about planning and secondly, demonstrate how planning will alter your course for a direction you desire.<\/p>\n

Know What You’re Getting Into<\/strong>
\nAllow me to go back several years, roughly ten. Pamela and I had just begun a relationship. \u00a0She had her own home and I had a home that was being dissolved in a divorce settlement. (Today is not the day for me to get into that, but I will later.) Together, we had two mortgages. \u00a0Her mortgage on one hand began to eat her (then us) alive. \u00a0It was one of those crazy balloon deals where the mortgage after a couple years would increase and a few years later increase even more. \u00a0Well as “not having a plan” would have it, this increase was more than we could handle with everything else we both had going on financially. \u00a0We had very few options, so, as we made a very early habit of doing, we prayed about it and that’s when the planning emerged.<\/p>\n

Here’s what came from planning. \u00a0We had to 1) get out of the mortgage we were in and 2) find a new place to live. \u00a0So with Pamela, trusting me and what came from prayer, we put our new mortgage plan into action. \u00a0She began looking for new places for us to live while I worked on getting us out of the current mortgage. \u00a0But this time, we went at it with the plan of knowing what we were getting into. \u00a0We studied and made progress daily and weekly towards our new goal. \u00a0However with our plan we knew exactly what we wished to accomplish. \u00a0You see we knew we needed to pay a whole lot less than what we had been paying. \u00a0We then had to make some decisions on new locations. \u00a0Lastly, we knew we didn’t want to get into the same situation we’d experienced before. \u00a0So instead of going in blindly as most people do and as we’d done before, we had a plan and knew if we worked our plan, we might miss it a little, but that’s okay as long we didn’t miss it a lot. That’s the beauty of having a plan.<\/p>\n

Determine Your Step #1<\/strong>
\nStep one was to find a new home and that’s exactly what we did. \u00a0Unfortunately, we couldn’t make the purchase since we already had 2 mortgages. \u00a0This taught us to know what our limitations were and might be. \u00a0So we decided that we should lease one. \u00a0The reason this decision was so simple to make was because the plan we had put together was to get out of the mortgages we were in altogether. \u00a0Getting out means getting out by any means necessary. \u00a0If that sounds crazy, you’re right and that’s exactly what you must be willing to do to see to it that your plans come to past. #CrazyAboutYourPlan. \u00a0I wish I could say the story stops there along with planning, but that’s not true. \u00a0That was just the beginning and a lesson we’re taking with us throughout the course of our lives.<\/p>\n

One Plan Leads to the Next<\/strong>
\nThe amazing thing about a plan is that one plan leads to the next. \u00a0The plan is just a road map and your life is a long journey that will take you to many awesome destinations.<\/p>\n

After we began, leasing our new home, we knew that wasn’t the end, but just a stepping stone. \u00a0It was just one stop on the way to where we’re headed. \u00a0This is what we learned early on about planning. \u00a0We agreed we’d rather pay towards something we will own than pay rent for something we would never own. \u00a0Our first plan to get out of a mortgage that had us in over our head seemed to be taking us away from that into renting. \u00a0So we needed a new plan. How can we turn what seemed like a backward move into forward progress?<\/p>\n

You only go in the wrong direction when you’re not willing to consult others, and for us we consulted God. \u00a0He led us down a path that would later propel us miles ahead. \u00a0Please don’t hear what I’m not saying. \u00a0I’m not saying that renting is the wrong move for you. \u00a0Just because you rent doesn’t mean you owe anyone. \u00a0We didn’t and in fact, we were paying our rent in advance because we wanted to get out of owing people and have them owe us for a change. \u00a0If renting fits into your plan then rent. \u00a0It’s the plan that gets you to the destination you wish to reach, nothing else!<\/p>\n

The Family Plan Binder<\/a>\"\"<\/a> is available now!

<\/p>\nOur team has worked very hard putting it together. We designed it to help you and your family move the needle forward in making your life your business. \nFind out more about the Family plan here.<\/a><\/div><\/div><\/div><\/div><\/strong><\/p>\n

Today is Friday!
\nI thought we had to have all the answers, but that’s not true. \u00a0All we needed was just a part of the answer that could get us to the next stepping stone on the pathway to reaching our destination. \u00a0What have you not considered just because you haven’t weighed it against your plan?<\/p>\n

Leave a comment below or\u00a0click here<\/a>\u00a0to email me.<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"

It’s Okay to Talk About Your Mortgage – Part 1 When I reached this topic in my outline, I asked myself what in the world could I possibly say about a mortgage. Here it is between Pamela and I, we have had three mortgages and have yet to payoff one. \u00a0Boy, it’s going to be […]<\/p>\n","protected":false},"author":2,"featured_media":1239,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[22],"tags":[],"class_list":{"0":"post-1237","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-accounting","8":"entry"},"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170721-TIF-Blog-Its-Okay-to-Talk-About-Your-Mortgage-Part-1.png?fit=760%2C360&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4jb7V-jX","_links":{"self":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1237","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/comments?post=1237"}],"version-history":[{"count":2,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1237\/revisions"}],"predecessor-version":[{"id":1241,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1237\/revisions\/1241"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media\/1239"}],"wp:attachment":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media?parent=1237"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/categories?post=1237"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/tags?post=1237"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}