We received our yearly escrow analysis yesterday, and of course they are estimating a shortage. As a whole, it really isn't too bad. We are short $123 for this year, and they are estimating an additional $12 per month for next years account. All in all...not horrible.
I am debating paying the $123 and eliminating the extra $10.71 they built in for next year to make up for it. Then our monthly bill would only go up $12.
Really....it is $12 vs $23. My gut feeling is it is easier to adjust the monthly budget to accommodate a $23 change, vs trying to find the $123 right now. We do have extra in the emergency fund (over our $1000) and we could always take it from there.
I am just glad that it wasn't a HUGE shortage. We had that happen one year, and it blew.
What would you do?