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Peace Out and In
General Finance
peace with money, peace with finances, early retirement
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Net worth:
Normal, Illinois, United States
Life stage:
DIK (Dual Income, Kids)
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Latest Blog Posts

Mr. POAI and I separate our finances into 3 overall categories: his accounts, my accounts, and our shared accounts. He has a checking for his business, and a savings dedicated to building funds for a car  (for way in the future, we hope). I have a checking which I use for travel, my hobbies and […] ...
Posted: Mar 15 2018 @ 5:00 AM
Last week, I gave a mortgage update. This week, our latest payment cleared and check out this snip from my mortgage account: I paid 133,000 for my house in late 2006, and 11 1/2 years later, we have paid off half of the principle. Yaay! (I go from “I” to “we” since I married during […] ...
Posted: Mar 13 2018 @ 5:00 AM
Last week, I made it pretty clear that the massive student loan debt I write about is Mr. POAI’s. He incurred it, it financed his degrees, and it supported him and his small children at a certain time in his life. If it’s his debt, then, isn’t it his story as well' Once in a […] ...
Posted: Mar 08 2018 @ 6:00 AM
One of my goals is to post a quick money/numbers update on Tuesdays and a more in-depth, somewhat philosophical post about money on Thursdays. Here it is Tuesday, already, and I can share that our mortgage is down to 67,037.34. Woot! The last number I posted here was 67,287.34 just last month, so no big change, BUT […] ...
Posted: Mar 06 2018 @ 10:00 AM
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Posted: Mar 06 2018 @ 8:00 AM
I’ve written before about how Mr. POAI took out a massive amount of student loan debt. And I find it important to note that he’s always owned that it’s his debt. He doesn’t want it to affect me or the family. One challenge is that it does affect me in a few ways. No matter […] ...
Posted: Mar 01 2018 @ 6:00 AM
Personal Finance-Related Blogs I Love: Our Next Life ~ Tanja writes about all kinds of money issues and how they connect with real life. If you want a personal, fun, and thought-provoking blog about money, early retirement, work, values, and sometimes pressed juice, check it out. Cait Flanders ~ Cait’s blog is the next one […] ...
Posted: Feb 23 2018 @ 10:32 PM
. . . deeper in debt” ~ “Sixteen Tons” performed by Tennessee Ernie Ford, written by Merle Travis in 1946. Each month when I pay the Navient bill, I write down Mr. POAI’s (Mr. Peace Out and In) student loan debt total. Since I pay the bill anywhere from the 1st to the 7th of each month, the […] ...
Posted: Feb 20 2018 @ 10:08 PM
I married a man with a big student loan debt. Our Beliefs Before we were married, my husband and I talked a lot about money. And we have similar values. We believe we should: live within our means, not borrow unless we have to, and not buy things until we have they money for it. […] ...
Posted: Feb 15 2018 @ 6:06 PM
I would like to pay more principle this year than we did last year, even if just by $1. I am very happy with what I did in 2017. I mainly want to keep it going. Last year we paid  7,209.45, so our goal is 7,210.45. As of Jan 1, 2018, our mortgage was 68,645.55. Our current […] ...
Posted: Feb 13 2018 @ 10:03 PM


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