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Am I dreaming – do they really do this?

July 16, 2009

I thought I was dreaming yesterday when I picked up our mail. There was a letter from our mortgage company – a letter is never good – at least for me!

Well, after I read the letter, picked my jaw up off the floor, crawled to the couch, and re-read the letter again just to make sure I read it correctly, I cried.

Just when you think you have the budget figured out, you have your finances squared away, and you are able to take a breath, you get a letter that just turns everything upside down.

I didn’t think they even sent out letters of this nature and if they did they should have paramedics on stand-by to give the person oxygen when they hyperventilate!

Okay, I can’t hold it down any longer – OUR PAYMENT WENT DOWN BY $64.00 per month!!! I normally make a little bit more than the regular payment so I’m not changing my payments, I’m just going to add the additional to the principle!

The other choice I have is to reduce my payment down to the new payment amount (still paying the same overage) and put the extra money ($64.00) into Savings – I know that Suze would say put it against the principle but lately she has been all over funding the Emergency Fund so I think that I might set-up the overage to go to our ING Share account. That would build it up fairly nicely and they have a great interest rate for a savings account – higher than my credit union right now.

What do you think I should do? Decisions, decisions – and just when I thought I had the budget figured out – See SonyaAnn, I’m going to have to make some changes – which is okay if it gets me to my goal! If you haven’t visited SonyaAnn’s blog, be sure you have gone to the bathroom first and have tissues for crying because you will laugh so hard you pee your pants and cry at the same time – serious – read her pool part 1 and 2 escapades and you will see what I mean.

Okay, back to this decision – I would really like to hear from you as to what you would do with the extra money!


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