Every month there will be an update of Joe & Jenn’s Home Pay-Off Spectacular!

Here's this month's update!

Total Squares: 2,426

Paid-For Squares: WAS 836 IS 842

Squares Remaining: WAS 1590 IS 1584

% of House Owned By The Sangl's: WAS 34.5% IS 34.7%

% of House Owned By Wells Fargo: WAS 65.5% IS 65.3%

Here is the updated "Sangl Home Pay-Off Spectacular"


We were able to color in six squares this month. We are still working through all of the hospital bills from our son's arrival and rebuilding the emergency fund. This stuff takes patience, but the plans of the diligent lead to profit as surely as haste leads to poverty. I am committed to diligently crushing the mortgage (I submit as evidence the fact that I have been posting our progress since October 2007).

How are you doing on YOUR house payoff spectacular? If you do not have one, you can get one here =>

Every month there will be an update of Joe & Jenn's Home Pay-Off Spectacular!

Here's this month's update!

Total Squares: 2,426

Paid-For Squares: 831 836

Squares Remaining: 1595 1590

% of House Owned By The Sangl's: 34.3% 34.5%

% of House Owned By Wells Fargo: 65.7% 65.5%

Here is the updated "Sangl Home Pay-Off Spectacular"



Baby Sangl (Keaton) has finally arrived and now we are awaiting the final hospital bills. Once those are paid off, we will replenish the emergency funds and then re-attack this mortgage with renewed vigor. We are praying to be able to CRUSH this mortgage in short order. Will you pray this for us?

We now also own the perimeter of our sunroom. The next time around the sunroom will not take as long. We can't wait to say we completely own this room as it is one of our favorite rooms of the house.

How are you doing on YOUR house payoff spectacular? If you do not have one, you can get one here =>

As I look at my Sangl Family Home Pay-Off Spectacular, I get the very real feeling that I am mowing my lawn. (Click on the image below to see the actual spectacular.)



I am working along the outside perimeter of the house to ensure that we own at least all of our exterior walls. It makes me feel like I am mowing the lawn. I always start by mowing the outside perimeter and then work toward the center. I am certain that this is a mental game that I play, but here is why I mow my lawn with this technique (and color in the squares on the Sangl Family Home Pay-Off Spectacular).

* I want the longest and hardest part to be done first.
* As I work toward completion, the time to complete each complete pass is shorter.
* This method helps me see that I am making progress with every pass that I make.

Have you ever mowed your lawn for months or years with a small push mower and then had the opportunity to mow it with a riding mower that had a 48" deck? All of the sudden, the push mower seems totally puny and inferior. That is EXACTLY what it has felt like to slow down on our mortgage pay-off for the past six months. It felt like I had to jump off of the riding mower and start push mowing again. I am PUMPED to know that we are again back on the riding mower starting this month!

What techniques are you using to color in your Spectaculars?

If you do not have a Pay-Off or Saving Spectacular, click

Every month there will be an update of Joe & Jenn's Home Pay-Off Spectacular!

Here's this month's update!

Total Squares: 2,426

Paid-For Squares: WAS 752 IS 756

Squares Remaining: WAS 1674 IS 1670

% of House Owned By The Sangl's: WAS 31.0% IS 31.2%

% of House Owned By Wells Fargo: WAS 69.0% IS 68.8%

Here is the updated "Sangl Home Pay-Off Spectacular" (Click on the picture to view the larger, cleaner version)


Next month, we are ramping up on the payoff spectacular again. After several months of backing off the attack on our mortgage, it looks like we will be able to sustain larger payments for the forseeable future. I am PUMPED to be able to start coloring in more squares every month!

At least eleven squares are going to be colored in this coming month due to the