Archive - February, 2011

Guest Post: Why I Love IHHE Moments!

Note from Joe: I have had the privilege of training Travis to be a financial coach, and he is FIRED UP about helping people win with their money.   He is one of the most frequent commenters here on, so I asked him to share some of his story here on the wildly popular website.

Guest Post: Why I LOVE IHHE Moments (I Have Had Enough Moments)

Recently Joe asked me if I would like to write a guest post, I couldn’t wait for the chance.   In fact, I think my exact response was that I felt like a high school girl getting asked to a homecoming dance!

So that got me to thinking about what my favorite type of post.   I came to conclusion that my favorite is a good ole IHHE post.   Yes, that’s right, the I HAVE HAD ENOUGH post.   This seems weird because I am a very positive person.   So, what is the lure of the IHHE?     It is because it is at the IHHE Moment that things like priorities and resolve snap into crystal clear focus.     You might even say that it is when the “pain of staying the same is greater than the pain of change”.   That moment, my friend, is when real life change will happen.

I have had two IHHE moments in my life.   The first was six years ago.   It came shortly after our washing machine had recently died, and we had put it and our furniture on buy now pay later terms and I was looking up information on taking out a home equity line of credit.   The home equity was for something that we just needed …   A vacation!   (from the stress of all our debts).   That is when Google pulled up Dave Ramsey.   (Before I knew about the wildly popular   That’s when it hit me, we make TOO much Money to be this broke!

My second IHHE moment came late in October 2010.   I was in a meeting when I started having chest pains and tightness in my arm.   It was enough that I left the meeting and went straight to emergency room.   You see, I have always been a big guy but over time my weight had just continued to climb unchecked. When you are 37 years old with a wife and two little girls that love you …   and your spending two days on the cardiac floor and the next youngest person is 80-something.   That’s time for a good old IHHE!

So where does that all leave me today?   I am proud to say that on the matters of money, we worked through over $30,000 of debt in 15 months of very hardcore scrimping and working.   That is now about four and a half years in the past and now we get to watch as our mortgage drops and our retirement saving increase.

I’m proud to say that matters of the second …   After much testing, my heart was given the all clear.   Ends up that it was stressed related.   That doesn’t matter because it was enough to have an IHHE moment.   As of this moment I have dropped 60 lb and registered for my first 5k walk/run next month with another planned in April.   I’m now gearing up for an oganized race!??   It blows my mind too!

To sum it all up…. I love a good IHHE moment because it leads to life change!

Have you ever had an IHHE moment where suddenly you realize that the pain of staying the same was worse that the pain of change?

Get FIRED UP!   Way to go Travis – can’t wait to hear about the result of the 5K and to hear you shout, “I’m DEBT-FREE – including the mortgage!”

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Sangl Home Pay-Off Spectacular – February 2011

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:   876 878

Squares Remaining:   1550 1548

% of House Owned By The Sangl’s:   36.1% 36.2%

% of House Owned By Wells Fargo:   63.9% 63.8%

Here is the updated Sangl Home Pay-Off Spectacular (click to view large size)

Blog Sangl Family Pay-Off Spectacular - Analysis 2011-02

Another.   Two.   Squares.   Another.   0.1%.   BUT …   be on the lookout for some major changes in the next several months.     The emergency fund replenishment is nearing completion.   Then it is time for Wells Fargo to WATCH OUT!   YES!

How are you doing on YOUR house payoff spectacular?   If you do not have one, you can get one here => Pay Off Spectacular – House.

Read previous Sangl Home Pay-Off Spectacular Updates

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