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10-15-2010, 08:39 AM #1Registered User
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woo hoo my mortgage went down 80$
probably just a fluke since countrywide was bought out by BOA in past year or so, BOA probably took too much escrow the past year- i am sure made lovely interest off all all the peoples money who they did this too- but now have had to lower my payment for the next year .
will be interested to see what happens next november !
will probably end up putting part of the extra to my heat and electric bill since in the past 12 months we have had one of the coldest and snowiest winter and one of the hottest summers - i am nervous what it will turn out like when they re-do my equal payment plan for the utilities.
but at least i can cover the changes now .Last edited by Momto5RN; 10-15-2010 at 09:00 AM.
*~Debbi~*
Happily Married Mom to 5 ;
PT Home Care RN
Living with FMS
“Fear less, hope more; Eat less, chew more; Whine less, breathe more;
Talk less, say more; Love more, and all good things will be yours”
Swedish Proverb
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Getting Gazelle like 7/1/10
Paid off 6 CC's totalling $6807 in 2010
Paid off car 9000
2011
Quit 2nd Job for health reasons so going slower .
2012
purchased used car in cash 5000
*~*~*~*~*~*~*~*~*
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10-15-2010, 08:42 AM #2Super Moderator
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Does your bank pay your taxes for you? If your taxes went down, your payment will go down.
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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10-15-2010, 09:02 AM #3Registered User
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yes but our taxes most likely didnt go down . they did a huge reassessment on everyone year or so ago and they just went up .
*~Debbi~*
Happily Married Mom to 5 ; PT Home Care RN
Living with FMS
“Fear less, hope more; Eat less, chew more; Whine less, breathe more;
Talk less, say more; Love more, and all good things will be yours”
Swedish Proverb
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Getting Gazelle like 7/1/10
Paid off 6 CC's totalling $6807 in 2010
Paid off car 9000
2011
Quit 2nd Job for health reasons so going slower .
2012
purchased used car in cash 5000
*~*~*~*~*~*~*~*~*
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10-15-2010, 09:13 AM #4Super Moderator
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Given the state of the housing market, I'm amazed anybody's house went UP in value. Of course, there are exceptions.
Originally Posted by Momto5RN
Russ
Truck payments:109876 5 4 3 2 1 WAHOO!
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10-15-2010, 01:16 PM #5Registered User
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according to the jerks that run our county , our house's value went up Originally Posted by Russ
Ggrr.
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10-15-2010, 01:51 PM #6Registered User
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Happened to us last year. We knew that they were taking out too much for taxes - there was an issue regarding a sewer betterment assesed against the house that was paid off when we bought it, but not recorded properly - We ended up getting a check for almost $1000 for the "extra" and a new mortgage payment that was almost $100 less. We just chose to keep the same payment and apply the "extra" towards the mortgage.
Loving wife to DH (8/31/03) and Mommy to Owen Alexander (9/20/06)
Baby #2 due 5/30/2012
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10-15-2010, 02:43 PM #7Registered User
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I know if you have own your home for so long,they drop the PMI .So maybe thats what it is.
If you want to live a happy life, tie it to a goal. Not to
people or things.
- Albert Einstein
~~~~~~~~~~~~~~~~~~~~~~~~~~
Life is not always fair. Sometimes you get a splinter even sliding down a rainbow.
~~~~~~~~~~~~~~~~~~~~~~~~~~
Don't wait for a crisis to look at your finances differently. Look at them differently now and avoid the crisis.
~~~~~~~~~~~~~~~~~~~~~~~~~~
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10-15-2010, 02:52 PM #8Registered User
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i havent had a PMI in years .
our house was reassessed for the first time in 20 years about 18+ months ago the changes taking affect the next year -
our taxes went up about 1200 $ a year from 3800 to a little over 5000.
our property taxes arent too bad conpaired to some other areas but NJ taxes you to death every where else*~Debbi~*
Happily Married Mom to 5 ; PT Home Care RN
Living with FMS
“Fear less, hope more; Eat less, chew more; Whine less, breathe more;
Talk less, say more; Love more, and all good things will be yours”
Swedish Proverb
*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
Getting Gazelle like 7/1/10
Paid off 6 CC's totalling $6807 in 2010
Paid off car 9000
2011
Quit 2nd Job for health reasons so going slower .
2012
purchased used car in cash 5000
*~*~*~*~*~*~*~*~*
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