We’ve had a lot going on with trying to figure out our mortgage modification offer. My husband has had to do most if it, since the mortgage is in his name only, but I’ve been playing out a lot of budget re-configurations. Increases in property value is great..but it has caused a jump in our property taxes. Our auto and house insurance policy is being renewed, and it jumped up too. We were excited to get new quotes. Since we hadn’t changed in 8 years, so figured switching would be good. I had two separate independent agents run the numbers…and couldn’t beat our current policy. Guess that’s good in that we haven’t been paying too much….but the increase on our budget stinks too. We’ve stalled in the debt snowball because of this budget shortfall-but our modification going into effect the first of December should help. We’ve been consistently decluttering lately too. We went through a huge period of selling things, and have been hanging onto all the things we haven’t been able to sell. Realizing it’s better to just donate them since they are small.
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