I bought a townhouse back in the 90's in upstate New York. I bought it as a foreclosure. I thought that it would be a great place to have, especially for the kids. And the price was right. I knew when I purchased the place that I would have it paid off before the 15 year mark and I did just that. I had it paid off 5 years early. It wasn't a hardship, I would just put a little extra money towards the principle every month and before I knew it, that little extra was really making a difference. Now, for the past 6 years I have been enjoying my little slice of heaven free and clear. It's a wonderful feeling. This weekend I enjoyed my time up there. The weather was 80 during the afternoon and at night it would get cool. The leaves are already starting to change color. By next week the fall foliage should be in full swing. Even with the gas prices being what they are, I never regret buying my little get away. I know since buying my place that it's value has increased substantially. So, it also is a nice little asset. One in which I get to enjoy over and over again.