It is so close I am going a little crazy wanting to reach the finish line.

I got my Newest Special Assessment Payment receipt. It noted that I have until the 28th of this month to pay off my Specials if I do not want them to be combined with my taxes. The last note said the 15th but this one said the 28th which is awesome.

The receipt had a note that went into detail about what my bill amount would be if I did not make another payment before the 28th and what the bill amount would be if I made payments after the 28th but before the bill was paid by Mortgage Company. I can tell they figured out I plan to get this taken care of as soon as possible, and if I keep going at the rate I was going the specials would be taken care of before the Mortgage Company paid the bill but after the bill by the city was cut.

I do not want the City combined my special assessments with my taxes because I want my escrow account amount to go down. $1000 a year was going to escrow to just cover the specials partial payment. By knocking this out before the tax statement goes out my monthly mortgage amount will DECREASE by $83.

Why is step #3 moving backwards, because I have my mortgage payment on auto pay. I have it in a separate savings account; I had a little over 3 months of cushion in that account so I would not worry. Well I took out enough money out of that account to pay the specials. I did not take all the money (which would not have paid off the specials in full); I just took enough so that when I get paid on the 15th the leftover money from the 15th will go to paying the specials in full.

The extra paycheck for the first of November will then go back to step #3 and to pay my CC. I need to check when my CC’s are due but I am thinking for one month I am going to cheat and just pay the minimum so that I can free myself from that ballooned escrow payment.

I requested transfer from my online account today, so once I see the money in my checking account I will cut a check to the City and will be knocking out one special and will be down to one left to pay in full with the 15th paycheck.