Category Archives: Sustainability

There, I fixed it.

It has been a long time since my friend Paul introduced me to a website that featured DIY plugger repairs. “There, I fixed it,” perfectly summed up the eyeglasses that were held together with zip ties or the mirror that was taped to a car. My latest low-budget solution indeed made me yell those words out loud. I solved a problem that had arose from the solution for a different problem, which in turn gave me an idea for a future episode of my long-dormant podcast, QuOTeD – The Question of the Day.

It only took 14 years of living in this house to realize that the door on the dryer is reversible. Making the switch would mean that I could transfer clothes from the washer to the dryer without the door blocking me. However, one improvement exposed the need for another one. The dryer isn’t level. Now the door swings closed from a resting state. It might be worse than the original problem was. The solution is to level the dryer. But until I get around to it, I’m using a magnet to hold the door open. It’s taped to a random wire that will be removed – again – when I get to it.

Hold dryer door open with magnet.
There’s a magnet buried in the blue tape.

In more fix-it news, I made some updates to the various websites that I manage. Had I been pinged by the social scientists who are collecting happiness data, it would have been a low point for me. But I don’t think it was the task itself that I hated. It was having to do it instead of something else. In fact, I might have preferred to troubleshoot websites over putting up the apples from my neighbor’s tree. In this case, any unhappiness I might have been feeling didn’t stem from a specific task, annoying that it might have been. But it was about the perceived or real pressure to do more than can be done in a day. I suppose one lesson here is to ignore the dire messages to make software upgrades until you can put it on the schedule. In the meantime, find your happiness in crossing your fingers and trusting that it’ll be fine.

Taking a walk this morning, Brian and I stumbled upon another swell fix-it job.

Cheap landlord or ingenious solution?

It’s nice when things fix themselves. I was late planting my garden this spring and on top of that, it appeared that I had planted some non-producing beans – if that’s such a thing. But then one day I was working in my yard and saw green beans hanging from the top of the arbor.

Nature doing its thing.

I wish the environment could fix itself on a timeline conducive to supporting life as we know it. Regardless, I’m still heartened by the bees that make the yard hum.

Bees go wild for the chives and sedum that line the back walk.
Chives and sedum make a pretty mix.

If only I would fix the compost, maybe Brian wouldn’t cringe whenever I hand him a bucket to empty. It’s pretty wild back there.

Can you spot the compost bin in this jungle?
You’ll have to fight the raspberries to get to it!

There’s a lot yet to fix around here. But it’s important to remember to stop and take pictures of the flowers.

As for my question, given that it took me over a decade to make a simple improvement – reversing the swing on the dryer door – I’m wondering if others have such projects. Are there easy home improvements or repairs that you put off doing until, for reasons you might not fully understand, you woke up and decided today is the day. You tackle a task only to wonder: What took me so long?

It’s just sewing.

In the past, whenever someone came over to visit and we sat on the deck, I’d throw an old sheet over one of the patio chairs that have seen better days. This was going to be the year to address the problem. We should have replaced the cushions a long time ago when Steve offered to make them at cost. He wanted to return a favor, if you can call being patient a favor.

We first met Steve Cone when we hired him to reupholster the old chair that Brian had inherited forty years ago during his time at Rural Sociology at the U of M. While it was supposed to take weeks to fix the chair, due to extenuating circumstances, the initial deadline was blown by several months. We didn’t care. As long as our dusty chair with its springs that dragged on the floor sat in Steve’s shop, it wasn’t in the living room. Mission accomplished, as far as I was concerned. There was no favor to return. But Steve insisted on giving us the deal.

“It’s just sewing,” he said.

It made me think that a person in his line of work must be accustomed to fussing or downright difficult clients.

Steve was a rock star in the world of upholstery and I feel lucky to have crossed paths with him when I had the chance. Recently, when a salesperson at A-1 Foam recommended his book, Singer Upholstery Basics Plus: Complete Step-by-Step Photo Guide, she said “People have started businesses based on what they learned in that book.” I couldn’t help myself and had to make it known that we too had met the man and knew of his greatness. What I didn’t say was that I have good memories of how easy it was to chat with Steve and I feel strangely proud that he felt the same way about me.

Maybe he made everyone feel that way, which would have been another testament to his greatness.

As he went over the numbers for the patio chairs, Steve said that he could reuse the fabric on the back of the cushion, which was this light gray plastic weave that’s used for sling chairs. I wasn’t so sure I liked that idea. I was sick of these awful cushions and I wanted something new. Wasn’t that the point? Whatever we decided, before he could do the job, Steve would need some time to give his hands a chance to rest. In a couple of months, I was supposed to call him to get on the schedule. Then time got away from me, as it always seems to do. When the Christmas card I sent to Steve was returned in the mail, I had a sinking feeling that too much time had slipped away. And I was right. At the age of 71, Steve had a heart attack and died.

He missed the first pandemic shutdown by just a month or so. He also would have missed the last party we had before the coronavirus took over the world. If only we had invited him…

It was a stupid calculation. On the one hand, I could see him at the table. On the other hand, it was early on in the dinner party experiments that Brian and I were planning for the year… So, maybe we should stick with people who we knew would roll with it regardless of whether a silly little game worked as planned or whether anyone had anything insightful to say about the topic at hand or whether the evening went south in some other unexpected way. We would invite Steve once we figured out what could help keep things interesting yet comfortable enough amongst a group that didn’t necessarily know each other very well. In the meantime, there’s no need to torture anyone or to look foolish so early on in what I had hoped would become a friendship. Had I to do it over again… would’ve, could’ve, should’ve… I should’ve trusted that Steve could’ve rolled with it and it would’ve been fine.

So, back to square one with the chairs. “Send photos!” a handful of upholsterers said.

We bought this secondhand patio set fourteen years ago. That pattern strikes me as 80’s but I’m not sure.

So far, there has been one response, not counting a prompt response from Repair Lair that doesn’t do upholstery even though It’s just sewing.:

Rebekah,

These cushions are pretty complicated and definitely beyond my sewing skills….

S*

At another place, we were warned to be prepared for how expensive cushions can be: “The stuff made in the factory is cheap. So, when you have them custom made, they’re going to cost you more than what you paid for the entire set.” In addition to that, a backlog of work meant that it would take weeks just to get an estimate.

Next stop: A big box store where they stock bolts of fabric so that a person can walk out with a yard. Probably inspired by watching too many YouTube videos, I would try to repair the cushions myself and I needed supplies to experiment. Whether my consumer-end sewing machine was up for the task was just “part of the discovery process,” as Brian likes to put it.

So far, so good.

Bert approves of the newly recovered chair, though he was also happy to claim the dirty naked Dacron that’s been sitting on the floor by the front door for the last few weeks.

In an upcoming post, I’ll describe what I did to deal with the worn parts of fabric that I reused on the backside of the cushion (I came to appreciate Steve’s suggestion to reuse the fabric and have noticed that upholsters in general take pride in keeping what’s salvageable), explain how I got around installing a zipper (and why I wanted to avoid it), and let you know how I ultimately finished this cushion. For now, I have discovered enough to know that what I’m trying to do is possible. As for the frames of the chairs, eventually I’ll repaint them.

In case you forgot, here’s a before and an almost-done after.

Steve has been on my mind as I’ve been working on this project. I’m on shaky ground, as I am not a sewer. Just cutting into the fabric feels scary. So, telling myself, “It’s just sewing,” can be helpful whenever I get stuck.

Steve Cone and Brian who is sitting in the newly reupholstered chair that Steve just delivered.
The chair Steve Cone recovered for us.

Organizing Screws, Nails, etc.

In the summer of 2020, I spent some time organizing the garage. This included facing the yogurt containers full of miscellaneous screws, nails, paperclips and the random cafe curtain ring. It was a tiresome task that used up my allotment of decision-making power for the day. Nevertheless, it felt good to do it. Tidying up always gives me a sense of accomplishment. And it’s particularly satisfying when I can benefit from my effort down the road, as I recently did.

I was, once again, organizing the garage and needed some really short screws that could be used to attach container lids to the bottom of a shelf. At first, it was looking like a trip to the hardware store was in order. But then I remembered that not only did I save some random screws, I organized them in such a way that they could be useful.

In one case, I used scraps of foil insulation to further divide the drawers in the hardware organizer that I was using. Other materials like a piece of thin cardboard would also work. Take a strip that is the width of and a bit longer than the drawer. Make a crease for however many dividers you want, being careful that the resulting divider doesn’t exceed the height of the drawer. Pinch. Staple. Insert.

Here’s a picture where you can see how two different types of nails are separated within the same drawer:

In another case, where I had a handful of onesies and twosies, I punched the screws through a scrap of foil insulation. This keeps them together nicely.

Then you can just put these little sheet of screws in a drawer:

As for why I wanted to screw container lids to the bottom of a shelf: more storage.

Ironically, as I was tidying up this year, I found three – count ’em! three! – yogurt containers full of random hardware.

Ugh!

Box Spring Seedling Stand

My friend Santwana started a zero waste Facebook page for her neighborhood. So, when I told her about the seedling rack that I made out of a box spring, she wanted pictures to share on her page. Here’s an overview:

This twin box spring was cut in half and folded to stand freely on one end. It made natural shelf space for trays of seedlings.

If I recall correctly, some mattress warranties are dependent on using the box spring that comes with it. So, with every new mattress coming with a new box spring, how are the two ever separated? And yet orphaned box springs are a dime a dozen online.

Correction: They are free.

Taking a box spring that I didn’t need was the price of a free bed frame from FreeCycle. The people who were giving away/off-loading these items were trying to avoid a disposal fee. Since our regular trash service allows for three “large trash” pickups a year, I took the deal. I just needed to make a call and put our new box spring on the schedule. Then like magic someone would come and haul it away. Easy. And yet there it sat in the garage. Maybe someone could use it? But no one ever responded to my posts. Maybe it could be upcycled? But the votive candle holders everyone was making out of box spring springs just seemed like reshaped junk, much like a lot of pasta dishes that require varying degrees of effort.

In the meantime, I’ve been developing an interest in restoring old furniture. Knowing very little about it, I wondered if the springs some people were using to make Christmas wreaths could be used in the seat of a chair. Maybe I should open up the box spring to see what’s what. But wait! Finally, a bite. Someone actually needs a box spring sans mattress. Fine. I brought it in the house to inspect it more closely and vacuum it. False alarm. She won’t be needing the box spring after all. In the meantime, Michael and Bert – our cats – claimed it as a scratching post. And they liked napping in the perfect hammock of a box spring turned on its side.

With all of the chairs I’ve been collecting, my house was already taking on a workshop vibe. But the box spring pushed it into grunge.

So, I took it apart with the idea of reshaping it into a cat palace. A bigger better hammock with a footprint more to my liking. It would be something Michael and Bert could climb like a tree. Unfortunately, there weren’t any springs like the ones I saw on YouTube. So, there was nothing in that respect for my rescued chairs. However, the black fabric that covers the bottom of box springs is the perfect material to cover the bottom of a chair. And the padding from the box spring could be used for the seat of a chair. Having been covered in the factory with bomb-proof polyester, it was in great shape.

I’ll use the padding from the box spring and the black material that covered the bottom of it for my rescued chair projects. Instead of folding the black material, I should have rolled it to avoid causing creases that can’t be ironed.
This chair was free on Craigslist.
The first layer under the fabric is cotton. Underneath that is horsehair which can be reused.

After removing the upholstery from the box spring, I removed the center brace and cut the cross slats in half. This gave me a chance to use my fancy laser level. It let me strike a line down the center of the slats, so that I could easily cut each one in the same location. Then with Brian’s help, I folded the box spring in half lengthwise and stood it up on its end. I reattached the center brace to support the open end of the slats that had been cut. Then I attached an additional strip of wood to support the slats on the other side of the fold.

The next morning, I couldn’t see a cat tower anymore. I don’t know why but it became a tower for seedlings instead. Thankfully, Michael and Bert didn’t seem to mind, although I did wake up one morning to find a tray on the floor with teeth marks in it.

I started with making trays that fit seven pots and it worked. But I decided to go with shorter trays so that everything was contained within the frame.

Since I needed trays of a specific size, I made them using foil insulation. To make them, I cut an 8 x 21″ piece of insulation then pinched each corner and secured it with a rubber band. To add support and to more uniformly hold up the sides, I added a rubber band around each end of the tray.

There are fourteen shelves – seven on each side of the fold – that hold trays with six pots each.

Yes, those pots are made out of newspaper and a dab of tape. I’ve used them in the past and they work great. Here’s the YouTube video where I learned how to make them. Or if you do a search for newspaper seedling pots, you’ll find other methods that do not require any tape.

While I really like the look of my seedling tower (I don’t get an old mattress vibe at all. I think it’s really cool!), I figured that it would be a pain to water. But for me, it’s fine. A little water in the bottom of the tray and a couple of squirts with a spray bottle seems to work fine. In case I wanted to make adjustments to maximize the sun exposure, I put the seedling tower on a rug so that it’s easy to slide on the wood floors.

I saw a YouTube video where someone made a display rack for a store with the same idea of using these built-in shelves. In that case, they did not fold the box spring in half. They also added wheels. I can see where that might make a nice seedling rack too.

To maximize light, I’m thinking about adding more foil insulation so that it can close around the structure at night and open and reflect light back to the tower during the day. There’s probably an optimal way of doing this, but I don’t know what it is.

I’m playing around with the idea of adding foil insulation that could be closed around the structure at night and opened to reflect light back onto the structure during the day.

Somewhere I have lights I could potentially add.

We’ll see how this works. In the past, I’ve just had luck putting seedlings in a tray by the window and keeping them moist. As I learn more about it, I can see there are some best practices that might yield even better results. In the meantime, I’m also trying winter sowing. My friend Santwana mentioned that she was doing this, which is what prompted me to do seedlings this year. It’s funny how life is a circle that way.

If you wanted to try this, I’m sure you could make someone’s day by taking an old box spring off of their hands.

Let me know if you have ideas for improvements.

Upcycled Oven Mitt

Today our friend Faith stopped by for our regular Saturday coffee hour. When she mentioned that she needed some mousetraps, I was happy to save her a trip to the store. Her visit was timely, as I’ve been in a decluttering mode. While extreme examples of hoarding make me feel sick to my stomach, even more repulsive is how easily we throw things away, wherever that is. A-W-A-Y. It sounds more like paradise than a landfill or an incinerator. Or it could be a prison: He’s going away for a long time.

The language around acquiring and discarding stuff is interesting. I feel sorry for the artificial Christmas tree that’s posted on Craig’s List or FreeCycle with a note that says: “We need to get rid of it by Sunday.” After twenty years of service, this is how it ends. They just “get rid” of you, as if treating a case of lice. It feels disrespectful. On the other end of the spectrum there’s “rehome.” That’s a little precious. “I would be glad to rehome the working treadmill that you’re not using.” Of course, up top, I’ve already said “upcycle” and “declutter”, two words that spellcheck doesn’t like, though it’s notable that “spellcheck” is just fine. If you can’t beat ’em, join ’em.

Staring into my kitchen drawer, I wonder how many oven mitts a person can use at once. It’s a maximum of two, right? One of the mitts has a hole in it, something I discovered months ago when I burned myself on a baking sheet. And yet, there it is. Un-re-homable. I’ll have to throw it away or let these things pile up until pictures of them are posted on the Estate Sale app next to my teddy bear.

This is where YouTube comes in. Somewhere along the line, YouTube decided that I might be interested in learning how to reupholster furniture. One thing leads to another, and now I’m learning how to make box cushions. That’s why I saw a drink cozy as I looked at this useless mitt. While my sewing skills are limited, I could picture it. So, I tried to make one.

Being careful not to tap the soda can with the sharp scissors, cut the stained worn out top from the bottom that doesn’t wear out as fast. Take out one seam on the sides of each of the two pieces and open them up in a single flat layer.
Trace a soda can on the top part of the open mitten. Then trace a bigger circle around that. If I did this again, I would use the measurement from the cup I used for the outer circle and use a compass to make a pattern.
Wrap the bottom part of the mitt – finished side up – around the can. Move it so the top of the can extends past it enough to drink from it. Use a pin to mark the fabric where the bottom of the can is. Trim off the bottom from the pin plus a 1/2 inch or so for the seam allowance. Secure the binding on the top, if needed. Add more binding to each side. I used part of an old sheet (the red strip). Cut out the circle for the bottom. Mine didn’t look so great, so I topped it with denim from some old jeans. I covered the inside of the bottom with the red sheet, but didn’t do anything with the sides on the inside.

Once the two pieces were ready, I sewed the side piece to bottom, using what I learned from the YouTube videos about making box cushions. A better sewer could whip out a much nicer version of this in no time. Other than starting with a perfect circle, if I did this again, I would consider adding a button hole to the top edge of the overlapping side. I don’t think I can do that now that everything is assembled.

The good news is that there’s less to throw away. The not so good news is that we’ve never used cozy’s. We have friends who use them and that’s what gave me the idea. In fact, I have a foam cozy that was a freebie at an event and it was my intention to give this thing to my cozy-loving friends. Now, instead having one cozy that we never use, we have two of them!

At least I didn’t make a wind chime out of old CDs.

In the spirit of giving old things a new life, I gave my new cozy an honest try. I could appreciate the appeal of it. When Brian saw it he laughed and immediately recognized his old oven mitt. He had to admit that it was convenient to put down his drink without being tethered to a coaster.

After I’m dead, people are going to come to my estate sale and they’re going to find this cozy on a table full of kitchenware and possibly, unless a relative feels some attachment to it, a bear.

Restoring Old Homes

With all of the old homes that are being torn down in our neighborhood in favor of density, it was distressing to come upon a gem that had some “architectural interest,” though it had fallen into disrepair. Next to an open lot – maybe two – that had already been cleared of the homes that used to be there, I was certain that Brian and I were looking at the future site of yet another apartment building that would be made with particle board. My heart sunk. I didn’t think that the house had much of a chance of escaping the wrecking ball.

I was wrong.

Southwest corner of the house.

Recently, Brian noticed a crew working on the home. We confirmed that the place is being restored and I am relieved. For starters, the house is sitting on a brand new foundation after having been moved from the adjacent empty lot. On Sunday, two guys were busy framing a new garage.

Front.
Front zoom.
Porch. The Christmas lights on the front porch hint at an interesting story. Who put them there? The previous owners? Was it a last hurrah of some sort? The new owners – the people who are fixing it up? I am picturing a celebration after they had just bought the place.

Density in the city core is supposed to be the environmentally responsible thing to do. However, if that’s the case, then why not require the buildings that replace old homes to meet LEED (Leadership in Energy and Environmental Design) standards? They should be state-of-the-art, zero-waste and carbon-free (almost free?) structures. Green roofs. Grey water. Passive solar. The works. They could be made to last for centuries. And they could be made for Minnesota. What do I mean by that?

Several years ago, I was in Virginia for a wedding. The area had been going through a crazy heat wave that ultimately took the power out for many of its residents, including the family of the bride. The hotel where several of us were staying was not effected and so there was some shifting to accommodate various guests, some of whom were getting baked out of the spare bedrooms where they were staying with the locals. Even the bride took over one of the rooms at the hotel so that she could get ready for the big day.

It was scary. And it made me wonder. When did we stop designing buildings based on the conditions of the natural environment versus the assumption that air conditioning (or heat) would always be a simple flip of the switch? Do we have to go back to adobe homes? Our own house that is just over a hundred years old was also built with the belief that we would never need to worry about the supply of cheap power or the consequences of using too much of it. So we have added insulation and taken some other steps to conserve energy. But now that we know what we know, when we build new housing, shouldn’t we build for the environment from the start?

When I took these snapshots, I didn’t anticipate that I was going to make a video with them. But I wanted to try it and used what I had.

And that is just considering the energy standards. There are also human standards. For example, we were talking to a couple at a friend’s party (pre COVID-19) who were telling us about their woes looking for a town home in a retirement community. The good ones have – ahem – community spaces. And this couple was holding out for one such place. According to them, the newer developments treated things like lounges and meeting rooms as wasted space, which is to say that they were not included. While the two embraced downsizing, retreating to their pod where they would feel isolated wasn’t what they had in mind when they decided to retire.

There is also green space to consider, which is another aspect of the human standard. New buildings should have green rooftops. Courtyards. Enough grass for a picnic. Balconies. Playgrounds. We cannot concern ourselves with this, right? However, we do concern ourselves with how many parking spaces there will be, which is funny since density is packaged with this idea that the new arrivals will use the public transit and therefore should eliminate any concerns about the impact on traffic. In the meantime, in one of the apartments going up near us, eliminating balconies from the plan is supposed to assuage the fears of the neighbors who see the development for what it is. College housing. Elsewhere, another development received a variance that essentially traded green space for parking.

It feels like people are pitted against each other in weird ways and bad decisions come out of that. I wonder if it’s because economic problems are easier to solve than human ones (I think I am channeling Brian here because this is a theme for him.). If I only have to think about the cost per square foot, it is easy to find a solution. But if I have to ask myself whether I want my grandmother to live in a place where there will be almost no chance that she will get to know her neighbors or whether a little kid wouldn’t be better off growing up in a place where there are trees and grass – those are bigger, messier questions that will depend more on stuff that cannot be expressed algebraically. These are values that exist outside of ledgers.

A while ago, I recall reading about a family that was selling their house on Marshall Avenue to a developer. The neighbors were upset for all of the reasons you would expect. But the sellers insisted that they had no choice. They needed the money to retire (it might have been a case of a parent who needed to move to assisted living, but the point here is the same). I just hope that they were able to find a place where the developer did not skimp on the community space because that is what the market dictated. Now, why people are in the position of making economic choices that they would rather not make is another issue. But I mention it here because long term care security and a broken health care system are a part of this story that should be explored further.

Finally, I have a question about how the neighbors are economically impacted by these developments. For example, down the street from where I live, a property sold for over a million dollars to a developer. The one on the corner across from it sold for 700,000 dollars. But what if suddenly having an apartment building next to your house makes your property value go down? Or what if, you can no longer see the sky when you look out of your office window and this really depresses you? What if it shades your tomato plant? Should you be compensated for this? Conversely, do these over-market-value sales have an impact on my property taxes, since home valuations are based on recent sales of comparable homes in the area? Or should I expect my property taxes to go down since there will be more people to share costs?

This is not a rant against density. However, it is an observation that it is not the only thing and it can be taken to an extreme. The airlines serve as a cautionary tale. Over the years, we have watched legroom on flights disappear. And now just as we thought that it would have been impossible to jam another row of seats into economy class, the industry has been considering yet another tier of traveling where passengers would essentially stand for the duration of the trip. Yep. Too far.

Harvesting Butternut Squash in the Middle of the Night

We have a lot of squash to share.

We have a lot of squash to share.

Last Wednesday night I was in my voice class at the Guthrie Theater when the teacher mentioned that she had been working hard in her garden that day to get ahead of the hard frost expected that night. I couldn’t think about anything else after that. During a break I sent a frantic text to Brian, “Frost! Plants!”

Dreading a late night scramble to salvage what we could, I perked up when I remembered a stocking stuffer Santa had given me last year or the year before – a headlamp. Intended to help me with the ongoing painting projects around the house, the lamp would free up a hand otherwise needed for a flashlight. It would make it a lot easier to pick tomatoes and to find the butternut squash that had taken over the yard this summer.

Note to self: Headlamp definitely makes it on the list of essential household tools.

I’ve already used one of them for a very nice squash soup. Let me know if you would like to have some squash. We’re happy to share.

Actually… I’m sort of famous for growing gourds

I got my picture in the paper at Wurtsmith Air Force Base for growing these gourds.

I got my picture in the paper at Wurtsmith Air Force Base for growing these gourds.

Truthfully, I’m not sure why out of six kids I was the one who got credit for the gourds. I don’t remember planting them. This is something my parents must have noted. I was quoted as saying something about watering them every day. I do remember objecting to the outfit I am wearing in the picture. It was actually a very cute orange jump suit.

Someone from the paper noticed the gourds covered the front of the house and thought it would make a nice picture.

Someone from the paper noticed the gourds covered the front of the house and thought it would make a nice picture.

Parting with the Bank

The consequences of subprime mortgages and credit default swaps were surfacing when we decided to buy a house. It was 2007 and a buyer’s market, which meant that we had to sift through a lot of overpriced shitboxes because the starry-eyed heirs to some of these pee-soaked rehabs hadn’t heard the news: The party was over. Anyone who could was waiting out the storm. We made two offers over nine months. It was exhausting.

In the meantime, I was working at the Minnesota House of Representatives where I was hearing from distressed constituents who were facing foreclosure. These cautionary tales and some unexpected advice would frame my approach as a first-time buyer, which was to get out of debt as soon as possible. I made a spreadsheet to help us with this goal and have since cleaned it up to share here (2007 Microsoft Excel Spreadsheet. Note: Downloading this .xlsx file may cause your anti-virus software to warn you.)

Why be aggressive about paying off our house?

One day at work as I waited for my turn for the microwave in a cramped but lobbyist-free zone, a co-worker told of feeling trapped by a house he could not sell. He was “underwater” and – on top of that painful reality – paying almost two hundred dollars a month in mortgage insurance. Mortgage insurance? What’s that? “Avoid it if you can”, he warned. “It’s a terrible feeling to hand over that kind of money and have nothing to show for it.” I had a lot to learn.

As it turns out, to avoid mortgage insurance – designed to protect the lender from loan defaults – the buyer must make a down payment of at least 20 percent. So that was it. I came home and announced that if we couldn’t afford to do that, we couldn’t afford it. While I might have been a little puffed up with resolve that I had no right to have, we managed to swing it.

Another random tidbit of information came from a friend who wasn’t convinced that we were buying at a good time. “Wait until the prices hit bottom. They’re still going down.” This otherwise sage advice lost out to our sanity that was being threatened by our neighbor, the dipshit. On the other hand, making one extra mortgage payment every year was something we could do. As any mortgage calculator will show, extra payments can significantly reduce the payback period of a loan, slashing the cost of interest by thousands. After playing with a few of these free calculators online, I found myself wanting my own spreadsheet that I could understand, customize and edit more easily. So, I made one and it has helped us stay on track with some simple financial goals.

By simple, I mean simple. “How fast can we pay off the house?” That was the question, not whether we’d come out ahead if we made other investments instead. You’ll have to go elsewhere for that advice. All I can say is that hearing about the unraveling of lives that started with a balloon payment, a rate adjustment or a late payment and referring the broken men and women at the center of these stories to Lutheran Social Services for last-ditch help with foreclosure prevention made an impression on me; I was driven more by a desire to part with the bank than what might be generally considered to be shrewd financial planning.

I recently shared my spreadsheet with a friend who – just like me – didn’t realize what a difference an extra fifty dollars towards the principle of a loan can make when paying down your debt. You’re welcome to download it here. Please be advised that I do not guarantee that there aren’t any mistakes in this spreadsheet. Disclaimer aside, maybe playing with some numbers will inspire you to set some goals and get out of debt sooner rather than later. And, of course, if you have any corrections, requests or suggestions regarding this spreadsheet, please let me know!

About the Spreadsheet

Download here – 2007 Microsoft Excel Spreadsheet. Note: Downloading this .xlsx file may cause your anti-virus software to warn you.

Input your Data
Enter your data (house price, down payment, interest rate, etc.) in the green cells. Other cells cannot be changed, but are calculated fields. If you want to unlock the spreadsheet to add some of your own calculations, let me know and I’ll give you the password.

Default Extra Payments
Enter the amount of the extra payments you plan to make on your mortgage every month (Column B, Line 15). As with other variables, you can try different numbers to see how it affects the financing costs and payback time. In the event that you have a change to your default extra payment any given month, you can indicate this in Column F next to the corresponding date in Column G. For example, if by default I am going to make an extra payment of $150, but for the month of February 2014, I can only do $50, I would enter that amount in the column next to February 2014. If there is no change to your default extra payment, leave Column G blank. Keep in mind that $0 is not blank. Instead it means that you are paying $0 as opposed to your default extra payment.

Lump Payment
The idea of a lump payment is that you might want to save money with the intention of putting it toward your mortgage someday, but want the security of having access to cash in the meantime. This could help you make your regular mortgage payments in the event of a layoff, for example. Otherwise, this money could be used to pay off the house when what you owe, which goes down every month, matches what you have saved, which goes up. I did not factor in an interest rate for your savings.

Summaries
There are three summaries you can see at a glance. One factors in your extra payments, another does not. This will make it easy for you to compare the two scenarios. Finally, there is a third summary that factors in your extra payments and a lump payment.