Today was a pretty relaxing day around our house. The girls played the morning away and were actually pretty well behaved. We watched a couple movies, ate breakfast, and they chased each other around for a while. I spent some time online checking out some of the Black Friday deals and we just had a nice, quiet day.
While the girls napped, I watched some Dexter and started doing some blog updating (what’s new, I’m weeks behind). I did get some exciting mail though – our annual mortgage statement came in. EVERY year we’ve owned the house our mortgage has fallen short and we’ve owed money to our escrow at the end of the year. And, to make up for it, our monthly payment goes up a little bit. It’s so frustrating. Well, after this happened last year, I talked to our insurance agent and got our homeowners insurance lowered significantly (we have our insurance and taxes rolled into our mortgage) in hopes that would avoid this issue. Well, it definitely did, because this year they actually owe us money! I’m so excited. And, our payment is going down $20.00 – not a lot, but I’ll take it. Between this and our modification a few months ago, we finally have a NORMAL mortgage payment and it feels good. It was such great news to receive – especially after getting our annual tax assessment and seeing how much the home value dropped AGAIN this year. Ouch. But, our taxes went down a little bit too this year, so great news all around.
The rest of the evening was pretty low key. I planned on decorating the tree and house today, but I was just not in the mood, and a lazy day sounded much better. We ordered Chinese for dinner, and just spent the night hanging out.
I watched some more Dexter when the girls went to bed (Hey, I have 5 seasons to catch up on!) and Christian pretty much passed right out. We’re so awesome!
Here is proof of the girls actually getting along...playing TOGETHER on the iPad. YAY!

If you want - you can opt out of escrow. we NEVER escrow - EVER. because they always mess it up, and that money is better off sitting in my account making ME interest than the stupid mortgage company!!!! If you refi or anything soon - tell them you do not want escrow - then just pay your taxes yourself!!
ReplyDelete