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Erin Lowell, a lead educator at You Need A Budget, joins the show to replace Ben.... just kidding, Ben is irreplaceable! But while he's out on paternity leave, Ernie is hosting the show with guests. Erin has a LOT of experience budgeting, and a fair amount of experience buying and renovating houses, so she shares a recent experience buying a beautiful old home on a 15-year mortgage and renovating the kitchen on a budget, while managing the stresses of moving and being without a place to cook. Sign up for a free trial! - https://www.youneedabudget.com/?utm_m... Timestamps: 0:00 Intro 1:38 Why pay off the mortgage? 3:06 How Erin is aggressively paying it down 9:52 Why the kitchen reno? 12:31 How Erin pulled it off 19:42 Weighing the trade offs 23:43 Miscellaneous details and tips 30:06 YNAB Wins Links Mentioned: Biweekly mortgage calculator with extra payments: https://www.exceldemy.com/biweekly-mo... A spreadsheet site Erin likes: https://www.mtgprofessor.com/spreadsh... __________ Sign up for YNAB’s weekly email newsletter with the week’s best budgeting wisdom and inspiration! https://www.youneedabudget.com/weekly... __________ Come say, "Hi!" on social: Facebook: / iynab Instagram: / youneedabudget Twitter: / ynab Listen to The You Need a Budget PODCAST here: https://www.youneedabudget.com/podcasts/ And read our BLOG here: https://www.youneedabudget.com/blog/ #budgeting #youneedabudget #ynab