Friday, February 3, 2012

Post January Re-cap

So now that the hoopla of turning 30 is behind me it's time to focus on some real issues like who do these mortgage people think they are and why can't they estimate my taxes and insurance correctly??? But we'll get to that.

First, here are some photos of how my 30th birthday went down. The day involved horrific rain and thunderstorms (and more than 1 tornado warning)  here in Georgia along with Erik and I attempting to leave the house for a few hours to grab some breakfast, run some errands, and then make it to dinner reservations in the evening. It wasn't quite the day I had planned, but what can you do?

*Bear with me--all of these photos were taken on my iphone*

My parents surprised me with a dozen roses at work

Pumpkin Pecan Pancakes at Stone Soup Kitchen

One of my fave stores The Beehive in Edgewood was
having a warehouse sale just for my birthday (think Etsy in a store)! 

Scallops at Tantra Restaurant 

Erik and I after dinner--welcome to 30!
(I have a cake photo or two that I will post eventually when I stop being lazy and actually download pictures from the Nikon. My brother made me a super yummy red velvet cake that didn't last long between my friends, Erik, and I).

So now that I am 30 and officially an adult (haha) I had another first-time homeowner moment. I got a letter from my mortgage company letting me know that I had a shortage in my escrow account and that I owed them $102. They also informed me that my mortgage payment would go up and I had the option of it either going up $1.33 if I paid the escrow shortage in 10 days or $10 if I wanted to pay the shortage in 12 installments.

I'm dumb when it comes to stuff like this so I asked my older and wiser co-workers about it and they informed me that yes, this happens when the mortgage company does not estimate taxes or insurance payments correctly. Sometimes there is a shortage and sometimes there is an overage (and they cut you a check). I grumbled about it a little (c'mon peeps--get it right!) but I sucked it up and went ahead and paid the $102. It could've been worse I suppose but it was irritating that I had to spend money I wasn't planning on spending just so my mortgage payment could still be increased.

Guess this time around it is mortgage company: 1 and Ashley: 0. Guess I'll know better for next year.

1 comment:

  1. Be glad yours was only 102. Our first year in the house they said we had extra, so they cut us a check. We used the money to make and extra payment on the Mortgage, only to have them come back 3 weeks later saying they needed the money back. We, not having it, had to add 75 dollars a month to each payment. The next year they shorted us over 800. The last 2 years have been fine, but keeping my fingers crossed