December 2016 – Mortgage Payoff Update

House Jar

A quick update on the mortgage payoff: at the end of December, we’re at about 48.6% remaining from our original mortgage that we took out in 2007. I won’t give an update on how many remaining months we have left at this point because we’ve got a couple of things that are changing that will affect the final number. I should have a more concrete number by the end of February.

Photo by Tax Credits

December 2016 – Project Fi Bill

Project Fi

For November 2016, my Project Fi bill came out to be $38.58. That includes:

  • Unlimited calls and texts for $20
  • 2GB of data for $20
  • Taxes and fees for $3.18
  • Refund of $4.60 for 0.461GB of unused data

I thought my data use would go down this month, but it stayed pretty consistent. It appears that if I notice I haven’t used much, I tend to use more.

I’m contemplating what my next option is. I like what Project Fi has to offer, but I’m disappointed with the limited number of phones available for use. With the release of the new Pixel phones and how much they cost (starting at $649), it just doesn’t look like it will be very cost-effective to replace my phone in the future with another one that supports Project Fi. T-Mobile has recently released their low band 700Mhz spectrum in our area, so that means we get better data coverage inside of buildings. That being said, it does take moving my phone to Republic Wireless a definite possibility.

If you’ve got a Nexus or Pixel phone, I’d recommend trying out Project Fi. If you’ve considered getting a Nexus or Pixel phone, financing one through Project Fi might also be an affordable option. Their new family plan options are actually pretty affordable if you don’t use much data and you can cheaply and easily add mobile data for certain tablets.

Google has also launched a referral program that allows new customers as well as the referer to get a $20 credit by using a referral link. If you’re considering trying out Project Fi, you might as well get a $20 credit by using the following link: https://g.co/fi/r/88E2KJ

Of course, I’ll also get a $20 credit if you do. 🙂

December 2016 – Republic Wireless Bill

Republic Wireless Logo

The December payment to Republic Wireless was $23.76. That includes unlimited calling and texting, 512 MB of data on one phone, and WiFi only calling on the second phone. We received a refund of $2.05 for unused data this month.

Our bill every month will be slightly higher now that we’ve added a phone with the WiFi only option. That phone costs us $5/month plus taxes and fees. It’s our new “home phone” that our girls can use when they need to make a call.

If you’ve used Republic or have any questions, let me know in the comments.

November 2016 – Project Fi Bill

Project Fi

For November 2016, my Project Fi bill came out to be $38.48. That includes:

  • Unlimited calls and texts for $20
  • 2GB of data for $20
  • Taxes and fees for $3.18
  • Refund of $4.70 for 0.470GB of unused data

I don’t think the iPad used much if any data this month, so that was all me. Not bad considering I had travelled for 2 weeks of the month. It should be less now that I’ll be working from home more and can use the WiFi at the house all the time.

Mortgage Payoff Update

A lot of things have changed since the last update on the mortgage. Certain assumptions that we had made in the last mortgage payoff calculation are no longer valid, and there are new numbers to consider.

After running the calculations, it appears we’ve got about 33 months left before the house is completely paid off. I’m hoping that number drops down to 2 years or less here soon. I’ve decided to add a tracker to the right hand side of the web site to show our progress against our original loan balance when we took out the mortgage almost 10 years ago. At the time we had a 30 year mortgage with a higher interest rate.

A percentage towards paying it off is much more consistent measurement and doesn’t fluctuate like the number of months left does. Perhaps one month that number could climb up several percentage points, where other months it only moves one point. It should however move at least 1 point each month with only 33 months remaining.

Here’s to the future without a mortgage!!!

Photo by 401(K) 2013

November 2016 – Republic Wireless Bill

Republic Wireless Logo

The November payment to Republic Wireless for my wife’s phone was $19.80. That includes unlimited calling and texting, 512 MB of data. No refund this month since all the data was used. The phone seemed to have an issue with staying on WiFi, so a bit more cell data got used than usual.

Her superhuman strength that caused the crack after we received it from its earlier repairs escalated to cracking the LCD underneath. So we replaced it with an inexpensive Moto G for the time being and then sent the Moto X in again to be repaired. Now that we’ve got 2 working Republic phones, we decided to activate the Moto G for use at home for the kids. It’s a WiFi only plan that costs us $5/month plus taxes and fees.

If you’ve used Republic or have any questions, let me know in the comments.

October 2016 – Project Fi Bill

Project Fi

For October 2016, my Project Fi bill came out to be $41.34. That includes:

  • Unlimited calls and texts for $20
  • 2GB of data for $20
  • Taxes and fees for $3.18
  • Refund of $1.84 for 0.184GB of unused data

The iPad used about 50MB this month. We had to rely on the iPad again for making calls. After getting her phone back from being repaired, the screen cracked about a week later, and then a few weeks after that, the LCD underneath cracked. We ordered a Moto G replacement and then sent her Moto X in again to be replaced. So now we have 2 Republic Wireless phones, just in case.

October 2016 – Republic Wireless Bill

Republic Wireless Logo

The October payment to Republic Wireless for my wife’s phone was $15.53. That includes unlimited calling and texting, 512 MB of data. She received a refund of $4.27 for unused data.

She didn’t use as much data this month since we had sent her phone back to be repaired. It was in good working order for about a week and a half and the screen cracked across it. She was just holding it and felt it crack in her hand. Superhuman strength I guess. We won’t be sending it back this time and will just live it for the time being.

If you’ve used Republic or have any questions, let me know in the comments.

September 2016 – Project Fi Bill

Project Fi

For September 2016, my Project Fi bill came out to be $40.58. That includes:

  • Unlimited calls and texts for $20
  • 2GB of data for $20
  • Taxes and fees for $3.21
  • Additional 0.264GB of data – $2.63

The iPad used about 20MB this month. We’ve kept the data disabled unless we need it. Since we’ve had to send my wife’s phone in to be repaired or replaced, that’s the only way that we can stay in touch when she’s away from the house. We’ve even started to use Hangouts on it so we can talk back and forth. It’s been working out well, and we’ll have to see next month how it impacts the data use.

September 2016 – Republic Wireless Bill

Republic Wireless Logo

The September payment to Republic Wireless for my wife’s phone was $19.82. That includes unlimited calling and texting, 512 MB of data. No credit this month since all the data was used up by one of the little ones watching YouTube outside. She still managed to not have to buy any additional data, which is good.

Unfortunately, her phone ended up dying recently. Fortunately, it’s still covered under warranty, so we’ve mailed it back to Motorola to get a replacement. Hopefully we’ll have one soon and be back up and running.

If you’ve used Republic or have any questions, let me know in the comments.