So a month ago I sat down and looked at the mortgage for our rental property and did a little math on the escrow amount. Each month for escrow they were taking $165.28, which per annum added up to $1983.36. Well - property taxes on our rental didn't change but we'd cut our insurance cost down...

My hubby and I have never paid it ourselves, except through escrow. This year the mortgage company is charging us $200 extra per month and we are not happy! Anyone else plan and just pay theirs themselves? Do you utilize a savings account for this?