{"id":1242,"date":"2017-07-28T03:00:57","date_gmt":"2017-07-28T08:00:57","guid":{"rendered":"http:\/\/kerryaclark.com\/?p=1242"},"modified":"2017-07-21T23:00:09","modified_gmt":"2017-07-22T04:00:09","slug":"do-battle-against-your-mortgage","status":"publish","type":"post","link":"https:\/\/www.kerryaclark.com\/blog\/do-battle-against-your-mortgage\/","title":{"rendered":"Do Battle Against Your Mortgage"},"content":{"rendered":"<h2>It\u2019s Okay to Talk About Your Mortgage \u2013 Part 2<\/h2>\n<p>In our <a href=\"http:\/\/kerryaclark.com\/what-are-you-getting-into\/\" target=\"_blank\" rel=\"noopener noreferrer\">last post<\/a>, we opened our minds to thinking that we can do something with our mortgage to get on the course of a life that we design. \u00a0This week we need to take the lid off of the box and start some forward thinking. \u00a0Let&#8217;s imagine how we want our lives, if there were no restrictions or setbacks. \u00a0This is where planning becomes a little more of a challenge. \u00a0This is not something that ordinary people can easily do, but I want to remind you that you&#8217;re not just some ordinary person.<\/p>\n<p><strong><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft size-medium wp-image-1245\" src=\"https:\/\/i0.wp.com\/kerryaclark.com\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2-400x400.png?resize=400%2C400\" alt=\"\" width=\"400\" height=\"400\" srcset=\"https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/07\/20170728-TIF-SM-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?w=800&amp;ssl=1 800w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/>Don&#8217;t Just Dream, Imagine<\/strong><br \/>\nThis is your <a href=\"http:\/\/kerryaclark.com\/familyplan\/\" target=\"_blank\" rel=\"noopener noreferrer\">Family Plan<\/a>\u00a0and you can write into it anything that you can not just dream, but imagine. \u00a0I have a mortgage, that&#8217;s not new, but I don&#8217;t want the mortgage to have me. \u00a0So what do I mean by that? \u00a0In order to dream bigger, sometimes you need to research a little. \u00a0The obvious dream we could imagine is not having a mortgage or in my case having my mortgage paid off. \u00a0So if we were to make a plan on how to get to this destination where would we begin and how can we get there?<\/p>\n<p>I know many of you want the mortgage to just disappear. \u00a0You want to pray and have God miraculously cancel your debt. \u00a0While this is possible, that&#8217;s something God would do and our plans are the things we can do until He does what He does. \u00a0In other words, He won&#8217;t move until we move and this is where the plan comes in handy.<\/p>\n<p><strong>Make More Money or Save More Money<\/strong><br \/>\nSo what can I do? \u00a0Pamela and I realized after studying it and talking to others who had mortgages, that the interest rate is very important. \u00a0This is something that doesn&#8217;t make much common sense, the interest rate. \u00a0It&#8217;s the amount taken from you just for having the loan. \u00a0We need this as low as possible so we started planning for just that &#8211; a low interest rate.<\/p>\n<p>Next, we learned about &#8220;escrow&#8221;, the savings account that&#8217;s used to hold the money to pay property taxes and mortgage insurance. \u00a0If you&#8217;re not disciplined enough to save it yourself, then escrow can be your best friend. \u00a0It&#8217;s designed to make your life easier, but note it raises the amount of your monthly payment. \u00a0Decide what you need in your plan, discuss it and keep moving in the direction of the plan.<\/p>\n<p>In order to get out of debt, you need to either make more money or save more money. \u00a0Your family plan should give you ideas on how to do both. \u00a0Consider bundling your homeowners insurance with with auto and life insurance. \u00a0Bundling often lowers the rate of having individual insurance plans. \u00a0Every dollar you save is truly a dollar more you&#8217;ve earned yourself. \u00a0Your second job should be to study your family&#8217;s business activities so that you can find as many ways to accomplish your dreams, your plans.<\/p>\n<p><strong><div class=\"su-note\"  style=\"border-color:#c7ced4;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#E1E8EE;border-color:#ffffff;color:#333333;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note\"  style=\"border-color:#e5e5e5;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><div class=\"su-note-inner su-u-clearfix su-u-trim\" style=\"background-color:#FFFFFF;border-color:#ffffff;color:#000000;border-radius:3px;-moz-border-radius:3px;-webkit-border-radius:3px;\"><a href=\"https:\/\/www.kerryaclark.com\/blog\/familyplan\/\" target=\"_blank\" rel=\"noopener noreferrer\">The Family Plan Binder<\/a><a href=\"https:\/\/www.kerryaclark.com\/blog\/familyplan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"alignleft wp-image-1025\" src=\"https:\/\/i0.wp.com\/kerryaclark.com\/blog\/wp-content\/uploads\/2017\/04\/Family-Plan-Cover-e1493399146525.png?resize=115%2C149\" alt=\"\" width=\"115\" height=\"149\" \/><\/a> is available now! <p><\/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 <a href=\"https:\/\/www.kerryaclark.com\/blog\/familyplan\/\" target=\"_blank\" rel=\"noopener noreferrer\">here.<\/a><\/div><\/div><\/div><\/div><\/strong><\/p>\n<p><strong>How Can You Make Your Plan A Reality?<\/strong><br \/>\nOur goal is to pay for our home and pay it off early. \u00a0If we don&#8217;t get that miraculous debt cancelling, mortgage cancelling result, what can we do to get it cancelled? \u00a0We can plan and execute a plan that will set us on course to pay off early. \u00a0We can target paying all others debts that we might have so that we can focus all of our efforts on our mortgage. \u00a0We can also increase the value of our home so that it&#8217;s worth a ton more than when we purchased it, just in case our plan leads us to sell it and use the money we earn to outright pay for a new home. \u00a0There are many ideas that become visible once you start putting your plan on paper. \u00a0Get ready to see your impossibilities become possible!<\/p>\n<p>Today is Friday!<br \/>\nThis post is simply to get you to think of what&#8217;s not impossible, but possible. \u00a0We already know we can&#8217;t do what&#8217;s impossible we need God for that, but in the meanwhile we can do what&#8217;s possible. \u00a0We can plan to do something with our mortgage that aligns with more than just our dream, but what we can imagine.<\/p>\n<p><strong>Leave a comment below or\u00a0<a href=\"mailto:Reply-to@kerryaclark.com?Subject=Do Battle Against Your Mortgage\">click here<\/a>\u00a0to email me.<\/strong><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s Okay to Talk About Your Mortgage \u2013 Part 2 In our last post, we opened our minds to thinking that we can do something with our mortgage to get on the course of a life that we design. \u00a0This week we need to take the lid off of the box and start some forward [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1244,"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-1242","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\/20170728-TIF-Blog-Its-Okay-to-Talk-About-Your-Mortgage-Part-2.png?fit=760%2C360&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4jb7V-k2","_links":{"self":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1242","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=1242"}],"version-history":[{"count":2,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1242\/revisions"}],"predecessor-version":[{"id":1246,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1242\/revisions\/1246"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media\/1244"}],"wp:attachment":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media?parent=1242"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/categories?post=1242"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/tags?post=1242"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}