• 13 Posts
  • 756 Comments
Joined 1 year ago
cake
Cake day: July 9th, 2023

help-circle
  • My place isn’t paid off but it is cheap enough that I can say what would change and, importantly, what wouldn’t.

    My monthly payment is just under $700 a month. About $400 of that is the actual mortgage. The rest is basically property taxes and insurance. I’d save $400 a month but would still have to pay $300. Assuming I didn’t decide to just earn $400 less a month then that $400 would have to go back into the property. I need a new roof. I need a new HVAC (AC died three years ago). A new roof and AC would cost almost a quarter of my original mortgage. So in the end not much would change financially.

    An important thing to remember about home ownership is that on average you are going to spend about 1% to 3% or a dollar a square foot on home maintenance each year. I had to replace my septic system months after buying the place, 7.6% of the home price. I had to replace my water heater a few years ago. Fortunately it’s located outside the building so no water damage and I was able to do that replacement myself so instead of spending $1800 for someone else to do it I did it for $450.

    Once I have even a little spare money I need to do some roof repairs, not pay someone else to do it.










  • Not me. I can’t have kids because I understand that tortilla presses in the hands of a 3 year old becomes a finger crusher and if a kid isn’t old enough to make a tortilla press they aren’t old enough to use one. Age 6 is the right age for working with power tools.

    I’m only half joking. My wife got herself fixed at 24 and and I got myself fixed at 40 because we both know that we both knew neither of us should ever have kids.





  • Definitely. Last week I made a tortilla press after breaking my cast iron one. Yesterday I made a batch of flour and a batch of corn tortillas because my wife doesn’t like corn tortillas. Today I made another tortilla press.

    When everyone was making bread during covid I made some tortillas. I have a reputation as a prepper. My wife was confused why I wasn’t going out and buying everything. After eating some tortillas she said “so you can do this all the time. This is why you aren’t out panic buying. Because you can pull this off in an hour instead of 8. Why aren’t we eating tortillas every day?”