What was your mortgage situation prior to starting with Replace Your Mortgage?

We bought our home for $146,000 on a 30-year mortgage. We paid for 3 years and had just refinanced with 19-year mortgage before RYM.

We paid on that for 4 months, with only $350 / month going towards principal.

What is the current status of your HELOC and how many months did it take you to achieve it?

After consolidating all debt, our beginning balance was $173,000.

We were averaging over $800 / month against principal. Our balance is $160,000 after 16 months.

What was your biggest concern when deciding to join RYM?

We were worried about the interest, how it would affect the principal and, if my I dropped my second job, would the strategy still work?

How has using the RYM strategy changed your life?

We have used the HELOC to finish some projects in the short term.

We have seen how the principal still goes down faster, and we have used credit cards to our advantage for the first time.

What advice would you give to a homeowner considering trying the RYM strategy?

If your numbers work on the calculator, just do it.