Locked In My Mortgage Rate at the Perfect Time
I’m right there with you on not trusting the “set it and forget it” thing. I just bought my first place last year, and honestly, I’m still a little paranoid about missing something important. I check my mortgage account way more than I probably need to—just to make sure nothing weird pops up. Maybe that’ll wear off eventually, but for now, it’s like a new parent checking if the baby’s still breathing.
I didn’t live through 2008 as a homeowner, but hearing stories from friends’ parents definitely made me extra cautious. I keep a bigger emergency fund than most people think is “normal,” and I’m always watching for those sneaky increases—property taxes, HOA fees, whatever. It’s wild how fast those can creep up if you’re not paying attention.
I get what you mean about not sweating every penny, though. If I tried to track every single coffee run or impulse snack, I’d lose my mind. But yeah, twice a year would make me nervous too... feels like too much could slip through the cracks in six months.
- Totally get what you mean about checking your mortgage account way too often. I do the same—just feels safer to keep an eye on things, even if it’s a little overkill.
- The emergency fund thing? I’m with you. People say I’m being overly cautious, but I’d rather have too much than not enough if something hits the fan.
- Twice a year seems way too infrequent for me too. There’s just too much that can slide by. I’d rather deal with the minor anxiety of checking than the regret of missing something big.
- Honestly, hearing about 2008 from my parents is what made me so careful in the first place. Not sure that’ll ever really wear off...
