{"id":1249,"date":"2017-08-04T03:00:30","date_gmt":"2017-08-04T08:00:30","guid":{"rendered":"http:\/\/kerryaclark.com\/?p=1249"},"modified":"2017-08-03T18:24:39","modified_gmt":"2017-08-03T23:24:39","slug":"in-the-way-of-paid-in-full","status":"publish","type":"post","link":"https:\/\/www.kerryaclark.com\/blog\/in-the-way-of-paid-in-full\/","title":{"rendered":"What’s Standing in the Way of “Paid in Full”?"},"content":{"rendered":"

It’s Okay to Talk About Your Mortgage – Part 3<\/h2>\n

I wanted badly to call this post, “Future goals to pay off my house early.” \u00a0I held off because I’ve come to hate the word “goals”. \u00a0The Family Plan<\/a>, while it might be considered a list of your goals, we’ve found that it’s easier for people to list their wants and desires than to come up with goals. \u00a0We’ve also found better results when people list their wants and allow those to be their life and family goals. \u00a0When a person creates their own Family Plan<\/a>, we ask the question what do you want in each area?\u00a0 What do you want to see? \u00a0What do you want to have? \u00a0What do you want to do? \u00a0Where do you want to go? \u00a0These are the questions we asked regarding our mortgage which means our home. \u00a0We want to own our home. \u00a0We don’t want anyone to be able to take it from us. \u00a0Regarding our mortgage, we want to receive the statement that says “paid in full” and we don’t want it to take 30 years. \u00a0Now that we know what we “want”, next comes the planning or the how to.<\/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

What’s standing in our way?<\/strong>
\nPamela and I decided not to let the obvious deter us from listing our mortgage in our Family Plan<\/a>. \u00a0Because you mustn’t forget, anything that’s out of sight, is often out of mind. \u00a0The mortgage in most cases is the largest debt a person possesses and it is for us as well. \u00a0We need, “want”, it to be in the forefront of our thinking. \u00a0It’s going to take the most work.
\nWhat’s standing in our way? \u00a0While you’re tempted to say its size and the lack of money, that’s not what’s standing in the way. \u00a0Let me go to the left<\/a> for just a second (I haven’t done that in a while.)\u00a0\u00a0Stop making excuses. \u00a0Stop blaming others. \u00a0Take ownership for what’s in front of you. \u00a0Stop playing the victim. \u00a0You can, if you want too bad enough, accomplish anything you set your mind to accomplish. \u00a0So let’s get to it.\"\"
\nWhat’s in the way? \u00a0Other debts are in the way. \u00a0If that’s the case and it is for us, our new focus is on removing the other debts. \u00a0Before the other debts were our bills, we had too many of them and we weren’t smart about our paying them. \u00a0By the way, if you’re not smart about your spending no one else will be. \u00a0Everyone will receive the money you give them, if you’re freely giving it out; I promise that.
\nWhat’s standing in our way? \u00a0Other debts that have higher interest rates, we must stop the bleeding of allowing credit cards, loans, and other “IOU’s” from stealing from us. \u00a0You need to form some debt-payoff momentum and when you do, nothing can stop you. \u00a0Notice how the thinking and planning process fuels each other. \u00a0We went from paying off our home to now thinking about how we can improve our spending and pay off small debts.<\/p>\n

What can we do to get it done?<\/strong>
\nPaying off other debts will set you up for the larger ones. \u00a0What can you do to pay off your mortgage? \u00a0Payoff smaller debts, so that you know how it feels to get rid of it, something, anything. \u00a0I remember the day my wife informed me that my student loan had been paid off. \u00a0Years ago, we thought that would never happen, but we began using our Family Plan<\/a> and created a plan of action. \u00a0If you set a plan of action for your family, you’ll be able to make strides towards reaching your goals. \u00a0The beauty of paying off one loan means you free up money to do something else. \u00a0You in turn get a raise. \u00a0You see, the reason you don’t have the raises you desire is because you keep sending your increase back out the door once you get it. \u00a0Get rid of a loan and see what options you have when you get your hands on your extra money. \u00a0Don’t forget the “want”. \u00a0Take as much of the extra to pay towards ridding yourself of another debt and finally your mortgage. \u00a0More about that at a later time.<\/p>\n

Debt management comes later.<\/strong>
\nIf you’ll continue following kerryaclark.com<\/a>, we’ll get to the debt management section. \u00a0This one however, is about planning for your mortgage. \u00a0The plan is to own our home and have a mortgage that says “paid in full”. \u00a0Now it’s time to stretch yourself, but with a reachable plan. \u00a0We want to have this done by the time our daughter enters college. \u00a0That’s in the plan and each year and throughout the year we discuss this “want” and we realize it’s still large, but we get closer each day.<\/p>\n

Today is Friday!
\nWhat do you want to see happen to your mortgage? \u00a0Be specific. \u00a0Here’s an added tip for the Christians out there. \u00a0You can use your written plan to fuel your faith and pray with specificity. \u00a0I’m trying my best to surround myself with others who share such practical tools and tips to better one’s life. Leave a comment below or\u00a0click here<\/a>\u00a0to email me.<\/strong><\/p>\n

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It’s Okay to Talk About Your Mortgage – Part 3 I wanted badly to call this post, “Future goals to pay off my house early.” \u00a0I held off because I’ve come to hate the word “goals”. \u00a0The Family Plan, while it might be considered a list of your goals, we’ve found that it’s easier for […]<\/p>\n","protected":false},"author":2,"featured_media":1251,"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":[22,12],"tags":[],"class_list":{"0":"post-1249","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-accounting","8":"category-the-family-plan","9":"entry"},"aioseo_notices":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.kerryaclark.com\/blog\/wp-content\/uploads\/2017\/08\/20170804-TIF-Blog-Its-Okay-to-Talk-About-Your-Mortgage-Part-3.png?fit=760%2C360&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p4jb7V-k9","_links":{"self":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1249","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=1249"}],"version-history":[{"count":5,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1249\/revisions"}],"predecessor-version":[{"id":1256,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/posts\/1249\/revisions\/1256"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media\/1251"}],"wp:attachment":[{"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/media?parent=1249"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/categories?post=1249"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kerryaclark.com\/blog\/wp-json\/wp\/v2\/tags?post=1249"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}