I apologize for my absence, but I have been so busy lately! It's insane, I still have tons of stuff to do (work wise and personally).
Anyways, I just wanted to announce that my mortgage balance has dropped to $219,998!! I have paid it off from $234,650 to the teens! This month $417 went to principal, $432 to escrow and the rest (over $600 if you did the math) to interest. I also made an extra $91 principal only payment. Once I get my emergency back up to $15,000, I plan to start directing "found money" towards the mortgage balance. I really want to get rid of the PMI payments, that will be an extra $115 that can go towards principal once I get the balance down to 80%!
On to the emergency fund issue. The A/C broke again this year. The house is almost 14 years old and the unit is the same age. It looks like I may have to replace it soon. I will likely wait another year or two before I replace it. I need time to get my savings account back up to where it needs to be. Anyways, the cost was $275 to have the unit repaired. Luckily, I had the cash available to pay for the repair. No outstanding credit card bills for me!