| In many ways, I'm glad to have 2020 behind us. Certainly wasn't the most enjoyable year with the pandemic raging and our household working from home, schooling from home, and not comfortable going out and doing anything. We haven't eaten in a restaurant in almost 1 year. But can't complain about our financial picture. Home values continued to climb in 2020 and I was able to refinance quite a few mortgages. I think my strategy for 2021 is to complete all the projects I have, upgrade the few houses that remain so I can get "top dollar" and then just let them start hammering away at the mortgages. Everything we own personally is on a 15 year mortgage and still cash flow positive even with heavy monthly capital reserves. Now I think we can begin the boring (but rewarding) task of paying things off one by one. Don't know what 2021 will bring but I'm just ready for something different. :) |