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Mortgage and JTHM. - Suffering From Elation
A Survivor's Tale
tania
tania
Mortgage and JTHM.
I'm told it's not socially acceptable to talk about money, but I've never been good at social mores!

I have been playing with a mortgage calculator. And I worked out a budget. And somehow, when our new soon-to-be housemate told us the rent he was asking as a monthly figure, my mathematically-deficient brain worked it out as being a much higher weekly figure than it actually is, a misconception that I'd had until a confused Joe corrected a confused me yesterday.

So yeah, my budget, which was workable before, now has a heck of a lot more breathing space AND I've called the bank my mortgage is with (National Australia Bank, more commonly known as NAB, which is awesome) and shook things up so my payments are now fortnightly rather than weekly (the advantages of weekly payments are outweighed by the disadvantages, but fortnightly payments beat monthly payments HANDS DOWN), and I'm now paying $500 straight into my mortgage per fortnight. According to the calculators, at that rate, I'll have the land paid off in just over five years. Woo!

Won't be able to blow heaps of money in the meantime but I'll still be able to buy myself something reasonably cool each pay. It feels good to have a budget worked out.

OK, just worked out why people don't talk about money - it's BORING.

What else... I got hooked on Johnen Vasquez's "Invader Zim", which acted as a gateway drug into "Squee", "I Feel Sick", and "Johnny the Homicidal Maniac". People who knew of my "Angry Beavers" love had been telling me to watch Zim for years and Hammond recently gave me copies of all the episodes and got me hooked. I adore it. Can't escape the conviction, based on photos and anecdotes, Joe-as-a-teenager was basically Dib. Hee.

So I was told repeatedly that I should read JTHM followd by Squee and I Feel Sick, and that I'd much prefer the latter two to the former. Whilst I relate to Devi far, far more than Johnny (what with Johnny's whole... maniac... killaxin'... thing - I prefer Devi's strong, sane handling of her situation), perhaps being hooked on Dexter has primed me to accept fucked-up main characters, because as far as satisfaction with the books went, Johnny is by far the winner for me.

It's a whole lot less polished than the others but the themes running through it feel so much stronger. I oughta buy a copy for Vix's birthday this year, it'd be right up her alley too.

So yeah, I haven't had something new to really geek out over in quite a while. Unfortunately I've read Johnen Vasquez's entire back catalogue over this weekend. Woe...
14 have fought ~ fight the power!
Comments
stokerbramwell From: stokerbramwell Date: May 17th, 2008 03:51 am (UTC) (Link)
JtHM was, in Jhonen's own words, an emotional spew. It's got a ring of emotional truth to it, even if it's bitter and angry truth. He keeps saying he'll go back to Nny someday, but he never does. I personally see that as a good sign; it probably means he's a much happier person.

REGARDLESS, Happy Noodle Boy will forever live on in the hearts and minds of us all.
c_eagle From: c_eagle Date: May 17th, 2008 06:21 am (UTC) (Link)
5 years is a GREAT payoff term.. best of wishes with that! *wags*
scoutlostthewar From: scoutlostthewar Date: May 17th, 2008 06:23 am (UTC) (Link)
I bet you know this through talking to your bank but when you make fortnightly payments, you generally make one extra payment over the course of a year (?) therefore fortnightly payments are A Good. Thing. It saddens me that you were not doing this before. Oh well. You should also consider having a chat to a mortgage broker to see if there isn't a way that you can switch your mortgage to a bank/cr union with a lower interest rate (provided that exit/entry fees don't outweigh the costs of the interest savings)

And money isn't boring, its well facinating /end geek.
From: niqaeli Date: May 17th, 2008 08:58 am (UTC) (Link)
I've called the bank my mortgage is with...and shook things up so my payments are now fortnightly rather than weekly (the advantages of weekly payments are outweighed by the disadvantages, but fortnightly payments beat monthly payments HANDS DOWN).

Emphasis mine. She was making weekly payments before, not monthly. :) Now I don't actually know how that plays out in terms of money spent over the course of the mortgage but my guess is that it has some of the same advantages of fortnightly payments but is also a pain in the ass if she's getting paid fortnightly as many people are.
tania From: tania Date: May 18th, 2008 04:53 am (UTC) (Link)
Correct, you get a cookie!

There is a very slight advantage to paying weekly, as interest is calculated daily, but it's so small it's not worth it when placed next to the risk of "oh shit I don't quite have enough in my account to handle that between-pays direct debit!"
tania From: tania Date: May 18th, 2008 04:55 am (UTC) (Link)
My interest rate on this loan is 8.99%, which isn't so hot. :( I might look into switching it around after tax time, I had to go with this mortgage because I was a young, self-employed person with no real assets... basically, extremely high-risk, the fact that my mortgage broker found a loan for me at all just goes to show he's some kinda superhero in disguise! Man, he was awesome.
daroneasa From: daroneasa Date: May 18th, 2008 09:13 pm (UTC) (Link)
God I love me some Zim. XD

sigmoidal_suseq From: sigmoidal_suseq Date: May 19th, 2008 06:36 am (UTC) (Link)
Ah! You are an adult! lol glads the mortgage is going well. Did you ever have the'see my land' bbq?
tania From: tania Date: May 19th, 2008 06:55 am (UTC) (Link)
Never did manage it, it was exam time so everyone was too busy. Maybe during the coming uni hols I'll pull it off. :) You know, I haven't even had time to get out there again myself? I haven't seen that land since before I bought it!
sigmoidal_suseq From: sigmoidal_suseq Date: May 19th, 2008 05:24 pm (UTC) (Link)
lol. If I can save enough English Pounds over here - I'm eye-balling a few acres next to the river in Moggill. It's kind of far far away, but at least it's close to the ferry!
tania From: tania Date: May 19th, 2008 10:55 pm (UTC) (Link)
Nice! If you can't get a loan for enough on your own, and you want to go into it together with someone else and then subdivide the land - please, by all that is good and holy, keep me in mind! I have EQUITY... and a proven mortgage-paying track record! I look good on paper! aahaahaahaa! *thunder booms* TOGETHER WE SHALL RULE THE-- yeah, too much coffee for me...
quillblade From: quillblade Date: May 19th, 2008 10:38 am (UTC) (Link)
<< I oughta buy a copy for Vix's birthday this year, it'd be right up her alley too. >>

Oh man, I'm SO typecast ;D
quillblade From: quillblade Date: May 19th, 2008 10:39 am (UTC) (Link)
Also, Zim rocks, though I never really got hooked on the series, I enjoyed watching those manic adventures I happened to catch :)
tania From: tania Date: May 19th, 2008 10:46 am (UTC) (Link)
You'll love him and you know it. You'll want to have his insane cartoon babies. :D
14 have fought ~ fight the power!