We are finally getting a little budget reprieve!

So nothing like waiting for the market to get better (or worse depending on how you look at it) to decide to refinance.

We had a screwed up mortgage to begin with, since when are mortgage payments not due on the 1st of the month anyway??

But after trying for almost 6 weeks, and having to bend over backwards for our old mortgage company, I'm happy to say we signed the loan documents last night!!

That means that we now don't make a Feb. or March mortgage payment...I knew the 21st due date would be a good thing at some point....

We are also saving ourselves $250 a month, and now we have an escrow account!!

So lets see how much can we pay off or save in the two months of no mortgage???

I don't know, but I do see a fence getting put up sooner rather than later!!