Everything Else for January includes $266.05 in medical expenses and $35 for my driver's license renewal.

I have decided to sell my Reits, Tips, and Small Value and stick with the three fund portfolio.

I made my very first mortgage chip on this mortgage in February of 2013. That first month, I saved $.09 of interest. This month, I saved $2.02. While it is still not much, it is picking up speed. This coming month, even with no new chips, I will save interest on $600.01 + $9.33, which will amount to $2.09.

Update: And there will definitely be new chips, as I just now chipped another $13.19 from credit card rewards redeemed today.

My mortgage payment posted today, bringing the balance down to $174,823.64.

Chips this month:
CC rewards $108.64
budgeted extra $18.62
wallet sweeps $13.00
HauserNet $8.00

Chips this month: $148.26

Chips to date: $600.01

Interest savings this month: $2.02

Interest savings to date: $9.33

Eventually, the interest savings on the chips I have already made will compound to $1,359.50, provided I own this house until the mortgage is paid in full.

I was just approved for the Discover It spend $750 in the first 3 months and get a $150 bonus. That will make a sweet little mortgage chip, whoo hoo!

BF had a realtor and a house flipper guy to his house today. The flipper is a licensed electrician, but knows how to do other work around the house too. They are working on a plan to have the house listed in a month. Think happy thoughts, cross your fingers and toes, make your pet cross its toes too! Oh please, list that house already!

Here is my update. Things are plugging along nicely.

Cash is up.
Debt is down.
Investments are down.
Home value is up.