Happy Halloween to all those that celebrate. I have been out of town, but hopefully will make it back home in time to hand out Halloween candy. Otherwise, I do not have any spooky plans for Halloween. I have been eating a lot of candy leading up to the holiday so I'll be happy to get the candy out of my house!! However, I did manage to get a work out in while traveling this week (way to go hotel fitness center) so that should ;) balance out the Halloween candy consumption. Truly, I can't want to get back home and sleep in my own bed.
I submitted my November mortgage payment and it was the first one in quite some time that did not include an extra principal payment. :( I am currently cutting back on my extra payments to rebuild my emergency fund (thanks new hvac unit). The mortgage is down to $189,107. It didn't even drop down to the next $1000 (face palm). Hopefully, it won't be long until my EF is back where it should be. I loved making payments where over $1,000 would go to principal.
I gotta run to get ready for my first appointment of the day!
Happy belated Halloween. We are getting close to the 2 year mark of our mortgage refi, which is when we can drop our PMI - providing our LTV is at 78%. I'm super focused on reaching that as it will save us over $100/month. Love seeing the balance go down!
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