| T O P I C R E V I E W |
| babysmama |
Posted - Oct 07 2008 : 4:41:17 PM
Doesn't it seem like just when you get comfortable in a budget or start to gain some savings something always happens to mess it up? The prices of everything have been going up, of course, but today we got notice that our monthly house payment is going up $40 (due to an increase in taxes and insurance). Doesn't that figure? It has been hard enough to make ends meet and now I need to readjust the budget. This has been a hard year with car repairs, hubby's tooth repair, needing a new roof, etc. I know $40 doesn't sound like a lot but we were just making ends meet and now this, along with winter coming which means higher gas bills. UGH!!!
-Elizabeth |
| 7 L A T E S T R E P L I E S (Newest First) |
| elphie0503 |
Posted - Oct 08 2008 : 7:30:22 PM
Elizabeth~Our house payment went up 140!!!! Our school district just passed super bond for a new school and so the taxes went up, and then we live in a log cabin, and for some reason insurance is high on that. I told my DH that next year I want to go ahead and have the escrow stopped through the mortgage company....like the earlier post, it will keep money in our pockets, not the mortgage company's. Hope that all ends up ok for you though!
Samantha
www.myspace.com/elphie0503
I've dreamt in my life dreams that have stayed with me ever after, and changed my ideas; they've gone through and through me, like wine through water, and altered the colour of my mind.~~Emily Bronte, Wuthering Heights
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| chicken necker |
Posted - Oct 08 2008 : 7:09:55 PM
I know here that it seems one step forward and two steps back. Frustrating!
FarmGirl Sister #123
Crafty Bay FarmGirls Chapter
"Whether you think you can or think you can't, either way, you're right." Henry Ford |
| Past Blessings |
Posted - Oct 08 2008 : 6:46:27 PM
Hi Elizabeth,
Several years ago we stopped having our insurance and taxes added to our mortgage and we just pay them ourselves. This does of course mean discipline, but we make the interest on the money we put in to pay for this . . . not the mortgage company. Taxes and insurance will only go up once a year, so the change shouldn't be too unexpected when you pay it all as one lump sum. We pay the insurance once a year and the taxes, because we are a high-tax area, are divided into two payments. Anyway, it does save quite a bit in the long run. You do have to own at least 20% of your home before most mortgage companies will allow this switch though. Just a thought.
Hugs & blessings,
Brenda
Past Blessings . . . Celebrating Life as it used to be . . . when people loved God, loved their families and loved their country. |
| ddmashayekhi |
Posted - Oct 08 2008 : 6:23:59 PM
I know you helpless you feel Elizabeth. The gas bills here in northern IL are going up 200% this year! At least they warned us back in July, but we can't do too much about it. Along with all the other price increases that we can't control it is impossible to get ahead these days. It's a good thing I found my long underwear from last winter!
Dawn in IL |
| K-Falls Farmgirl |
Posted - Oct 07 2008 : 5:27:14 PM
I understand that...I have a convertable 2004 Sebring.. Hubby has a 2001 Explorer 4x4 Wouldn't ya know it while my car was beeing fixed..* (the back window had to be replaced which meant a whole new upholstery job for the top.). Hubby's 4x4 was leaking oil.. Then we had a vet bill cause our cockapoo got fox tail in his ear and had to be sedated to remove it... and we had just paid the house payment and our insurance premiums. Thankfully we did have the cash but cross our fingers that nothing else goes bad on my car.. I love it but I think it's time to trade it for a pickup! With the stock market issues and no money coming in.. we pray and count our blessings take each day one at atime.. & trust that what happens is God's will.
http://www.k-fallsfarmgirl.blogspot.com/
Cheryl #309
Farm girl sister
Keep life simple, to Simply live. Life is too short to worry about it. |
| Bellepepper |
Posted - Oct 07 2008 : 5:23:25 PM
Elizabeth, I know just what you mean. I just came in from shutting up my hens. I got to thinking, I sure should have got a rooster when I bought my pullets. If things go from bad to worse, I could have hatched my own chickens. Not with out a gentleman in the pen. I think we are just beginning to see what is to come. Gloom, doom. Oh MY. |
| Alee |
Posted - Oct 07 2008 : 5:22:57 PM
Elizabeth- I know exactly what you mean! I have had that happen to me several times! However, we always manage to make it through by somehow driving less, or turning the thermostat down and layering more. It often isn't much fun, but hopefully you get an income tax return and that will help? *hugs* I hope you find that extra $40 somewhere!
Alee
Farmgirl Sister #8
www.awarmheart.com
Please come visit Nora and me on our blog: www.farmgirlalee.blogspot.com
Put your pin on the farmgirl map! www.farmgirlmap.blogspot.com |
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