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Happy Easter!!!

March 27th, 2005 at 01:54 pm

I'm off to church in a few minutes, but of course had to start my day on this website! It's unbelievable how I've come to rely on this site - I'm logged on at least 2-3 times each day. Anyway, today will definitely be a no-spend day, except for the church envelope which is budgeted.

The next line item on my budget is my mortgage. We have a $240k mortgage at 4 5/8 fixed, that will be paid off in 12.5 years. We already add an extra $100 toward principle each month. Thanks to the great advice at this site, I've convinced hubby that we should pay the property tax and insurance directly, as the mortgage company takes more than $50/month extra for "escrow". Plus, we have our house insurance and car insurance from two different companies, and never bothered to combine them because the house insurance was always paid through my mortgage and I thought it would be too big a deal. I'm going to call on Monday to get a quote from our auto insurance co. The other good news is that our mortgage company doesn't charge us a fee for paying directly. Yay. I'm going to take care of all of this next week and hopefully start seeing the benefit of this in a month or two.

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