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Yep, that is definately the end goal for any of us that are serious about all this and obtaining financial freedom! When I started in the Bulk REO and Bulk Notes world it took 6 months before I made a dime... that was tuff, and I still have some hiccups like what you are going through every now and then. I think a certain degree of brain damage is required in this industry..lol

Right no worries on my end, and that is a very good point.
Thanks for adding to it all.

I'm a Partner for in a company that specializes in Hard Money.
Shoot me over an email, and I'll see if I can help.

And what's wrong with that...lol! It's a sound strategy to helping your credit, saving some money on interest, paying it off earlier. The benifits outway the down side to making one extra payment a year.

I hear and feel your pain, but hey if this were easy everybody would be doing it!

I have an ex fiancee that thanks to common law in my state, actually took a real divorce to get rid of, and she and that process trashed my credit. I rebuilt it and quickly. If you want some tips email me, maybe I can help.

If you buy a distressed home, such a foreclosure, and go with a Hard Money loan there are plenty of options for you.... just another way to get it done.

Do you have an auto loan?

If so take your payment and divide it in half and make bi weekly payments instead of one monthly payment. You'll save money on the interest and it'll help boost your credit quicker.

I'd never live next to a cemetary, let alone have one for a front yard!

I love Starbucks!!! Fell in love with the place when I was wroking 60 hours a week and going to college full time.