Some of it is an increase in my property taxes. The reason for this is two-fold: my neighborhood has gone up in value (yea!) AND the State of Illinois raised my rate. OK. It is what it is.
But then there's this: my property taxes are paid by Chase from my escrow account. That means Chase can increase the monthly escrow amount deposit. Or I can pay Chase all or part of that increase as a lump sum now. Doing that would reduce my monthly mortgage payment and keep it manageable.
![](https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi-NRQq1RWQxDfEupwOrVAAnwOnNEtJbze4gWYqstTZlRs_M-0xJK9S1Ld9JpogSoyKN648CJGXeY6Yhp4Itx_wPQsUj2VB0WX3VKurSerySqY1wNg6QAI7wSqJwSVbYhXvlhJ2QQ/s200/sky-umbrella.jpg)
But, it turns out, rainy days can take different forms. And I'd say this turn of mortgage events constitutes a shower, if not a storm. So I wrote a check for $800 on that emergency fund and sent it to Chase. Now, my monthly payment will go up just $80. I can handle $80.
I still have $680 in my emergency fund. Sears sells a through-the-wall air conditioner like mine $550 and a refrigerator for $450. So I still have enough if one (but not both) fail me.
Adulting is hard. But I'm doing it.
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