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Mortgage payments go up!

December 9th, 2010 at 06:58 pm

Not actually the mortgage, but the escrow that we pay monthly with our mortgage payment is going up. Turns out that when we refinanced last year, normally some of the taxes for the first year are included in the closing costs. Evidently something was left out so we are 900 short! So now our mortgage payments are going to increase in 2011 unless we can come up with that money. Since I'm still out on maternity leave I don't feel like parting with that money from savings for the time being, so we'll just pay it out every month instead and they'll reevaluate in 2012. Bummer!

Otherwise, things are going well. Baby girl is getting bigger and bigger by the day. She's probably at 11lbs by now and nearly 7 weeks old. It's going too fast!

Besides the mortgage debacle, finances are on track. We saved quite a bit on Christmas by buying from my mom's "store" for some family members and so I'm able to earmark the leftover for oil. Past years we always kept the temp around 66 in the house and me and T worked full time so we'd keep it lower during the day and our bill was never much. Now that I'm home all day and keeping the house at 70 with a newborn, I'm sure this years bills will be through the roof and we'll need that extra money!

Posted in Uncategorized | 4 Comments »

4 Responses to “Mortgage payments go up!”

  1. Petunia 100 Says:
    December 9th, 2010 at 07:15 pm 1291922103
    1291922103

    That's not nearly as much fun as when they go down.

    Congrats on your little one.

  2. Single Guy Says:
    December 9th, 2010 at 11:45 pm 1291938339
    1291938339

    You could consider getting a safe oil radiator heater and just heat the room (or rooms) the baby is in, and keep the rest of the house colder. I do that (though I live by myself) and save a ton of money on heating.

  3. Joan.of.the.Arch Says:
    December 10th, 2010 at 05:14 pm 1292001247
    1292001247

    Doesn't she feel really good in the arms at 7 weeks and 11 lbs? Smile You know, when people are considering the expense of a newborn, that is something rarely mentioned--the need for a little more heat. I recall we went from keeping our apartment at 56F to 72F.

  4. Jerry Says:
    December 10th, 2010 at 09:58 pm 1292018308
    1292018308

    We did something similar to what Single Guy mentioned when our first baby was born, and it worked pretty well. We were able to keep two rooms warmer for the baby, but the rest of the house cooler, and save money. It leads to better results if you have great insulation and doors between the rooms, obviously, but if you have that insurance for efficiency then it might be an option. Good luck! There is nothing better than a little baby in the house. =)
    Jerry

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