What's this blog about?

First of all - granola what?! Granola is a term used to describe 'modern day hippie'. I love being a "granola"! I first heard the term when my little sister and her friends would whisper it behind my back, using it to describe why I was the way I was. Now, I embrace the term!

This blog will focus on all us hippie-at-heart woman who blend in with the rest of the work force 9-5. By day you will find us in our blazers and high heels in our office usually on conference calls or attending meetings; after work we are either trying to find the best deal on organic laundry detergent or whipping up our own detergent in the kitchen. I work full time and attend school part time, and my husband usually puts in 70 hours a week at work; therefore I solely run the household. I take care of the finances, cooking, cleaning, laundry - all while trying to find the most cost-effective and less-harmful-to-the-environment way to accomplish it all!

I write about budgeting, DIY crafts, organizing, cooking, and fashion.

I hope to bring out the inner hippie in all of you! As always, share me tweet me pin me!

Until next time,
Polly

Finances

Tips to Paying off Your Mortgage Faster

1) Round up your payments! If your payments are 715 biweekly, up them to 720. Doesn't seem like much but that's an extra $120.00 a year principal repayment!

2) Take advantage of lump sum payments, if your lender allows you to make a lump sum payment annually - do it! Even if you can only afford a couple hundred dollars, every dollar counts when we're talking about mortgages

3) If you get a raise at work, take that extra cash and put it towards your mortgage. You were living without that extra cash before, so it shouldn't be a problem to go without it now!

4) Change your payments to accelerated biweekly; this will add an extra 2 payments a year and this tip alone can cut off a few years from your mortgage

5) At the end of each pay period, any extra cash you have left in your 'spending' category should go to debt repayment, if you have already paid off your credit cards then throw this extra cash down on that mortgage

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