We may have broken some Dave Ramsey rules with taking out a 30 year mortgage over a 15 year mortgage, but we have our reasons! If you’re in the process of purchasing a new home during your baby steps put these life changes into account!
I started my debt free journey December 2012. I paid off $19,000 in 20 months making $25,000/yr. During 2015 -2017 my husband and I cash flowed our wedding, sold a house, built our current home and put 35% down. We cash flowed a new-to-us car and did a few back yard project after settling into our home.

January 2018 we fully committed to getting back to the debt snowball and getting serious about paying our house off! Our projected debt free date is October 2023!

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You can watch my full debt snowball journey video here: http://bit.ly/2DC6QaY

Here is our 2017 recap and our goals for 2018: https://youtu.be/CoF4yY10Gbs

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Cash Flowing Life : Why We Chose a 30 Year Mortgage Over a 15 | Debt Snowball | Baby Step 6




  1. We sort of did that too. Not in the same country. We moved the loan around to maximize interest vs principal paid. So our mortgage came out at 23 years. We "refinance" in 2020 so we'll see what the best length is then.


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