Number of mortgage free days I earn per day, per hour.
Number of Mortgage month left: 101
With my plan: 10
Each day of payments is 9.1 days of freedom.
12482.92 – $6000 = $6482.92
Let’s assume I delay transferring the furniture. My budget says January will cost…
Non retirement account balance: $30,860.52
$3000 Savings + $1900 Savings = $4900
4900 + 1153 = monthly income to spend on mortgage
$8651.85 – $4900 = $3752 supplement required.
35827.54/3752 = 9.5 months
Bonus of $6000 + $2000 = $8000 = 2+ months
This isn’t quite right b/c the first payment isn’t $1082, it’s $1153. So I screwed up the calculator entry somehow, or the calculator isn’t sophisticated enough for my current scenario. But let’s pretend it is.
Let’s look at the savings level.
|$26,571.54 [tax refund + $2k]||April|
|$21,315.54 [bonus + $6k]||July|
8651.85 extra payment for 9.1 months of benefit.
$950.75 per month of freedom. So if I prepay 8.4 years of rent at this low rate, then I won’t have to pay rent again, and I can cash out the deal for nearly $400k later.
Having 10 left is nice because it’s very symbolic. Like 10 fingers, 10 toes. Every payment is a finger or toe. I wonder if there’s some outward sign I can show people, something obvious, where they will grasp that I’m doing something important, that there’s an end to it that’s relatively close, and that I’m making progress on it. Maybe something with some humor?
I think I will use the 10 plagues of Egypt. Each month will be a different plague to overcome. Each month will be better than actually suffering from that plague.
- 3.11. Water into blood (דָם): Ex. 7:14–24
- 3.22. Frogs (צְּפַרְדֵּעַ): Ex. 7:25–8:15
- 3.33. Lice (כִּנִּים): Ex. 8:16–19
- 3.44. Wild animals, possibly flies (עָרוֹב): Ex. 8:20–32
- 3.55. Diseased livestock (דֶּבֶר): Ex. 9:1–7
- 3.66. Boils (שְׁחִין): Ex. 9:8–12
- 3.77. Thunderstorm of hail and fire (בָּרָד): Ex. 9:13–35
- 3.88. Locusts (אַרְבֶּה): Ex. 10:1–20
- 3.99. Darkness (חוֹשֶך): Ex. 10:21–29
- 3.1010. Death of firstborn (מַכַּת בְּכוֹרוֹת): Ex. 11:1–12:36
I have to make analogies between these things and things in my everyday life.
I only have to actually survive 10 months of suffering now, because the payment in November is at the beginning of the month. Let’s count out the days…
305 days. Basically 2 of them are finished. It’s just 303 after tonight. That’s 30.3 days per plague.
31 – January – Water Into Blood – $35,827.54 – 12 months savings
29 – February – Frogs – $32,075.54 – 10 months savings
31 – March – Lice – $28,323.54 – 9 months savings
30 – April – Wild Animals, Possibly Flies – $26,571.54 [tax refund] – 8 months
31 – May – Diseased Livestock – $22,819.54 – 7 months
30 – June – Boils – 19,067.54 – 6 months
31 – July – Thunderstorm of Hail and Fire – $21315.54 [bonus][begins with Edisto] – 7 months savings
31 – August – Locusts $17,563.54[ends with burning man] – 5 months savings
30 – September – Darkness – $13,811.54 – 4 months savings
31 – October – Death of Firstborn – $10,059.54 – 3 months savings
After that, I’m just kinda brokeass for my birthday. But about a week later, I’m back up to 8 months savings and it’s all candy and goat cheese from then on.
So what is January?
This is what the LORD says: By this you will know that I am the LORD: With the staff that is in my hand I will strike the water of the Nile, and it will be changed into blood. The fish in the Nile will die, and the river will stink and the Egyptians will not be able to drink its water.— Exodus 7:17–18
God instructed Moses to dip the top of his staff in the river Nile; all of its water turned into blood. As a result of the blood, the fish of the Nile died, filling Egypt with an awful stench. Other water resources used by the Egyptians were turned to blood as well through Aaron following God’s command to stretch out his hand over the waters (7:19). Pharaoh’s sorcerers demonstrated that they too could turn water into blood, and Pharaoh therefore made no concession to Moses’ demands. The Pharaoh then doubled the work of the Hebrews.
Clearly I’m the Pharaoh and the condo is the Israelites. The water in the condo is already really hard. But my sorcerer’s can also make hard water! So the plague will have to try harder next month. Hard water is nothing new. Cats are kind of like sorcerers… right?