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| Monday, August 21, 2006 |
| Open ALL of your mail |
| I was paying some bills at my desk at work (Shhh!) I had taken the pile of bills from my desk at home, dumped them into my bag along with my checkbook and stamps. In my rush to get out the door this morning I did not first sort the mail, just grabbed the (surprisingly large) stack of unopened mail and headed out the door. Once in the office I pulled the pile out and started sorting. One of the envelopes was from my mortgage company. They send me a statement every month, but the payment is electronically withdrawn from my checking account. Usually I don't even open the envelope, I just throw it into my mortgage folder in my file cabinet. But I was at my work desk, and was already in a rhythm of opening the stack of mail, so I opened the statement. I was surprised to find a check included with the expected statement. It appears I paid too much into my escrow account and was being reimbursed for over payments! I almost filed away a check for $224! So once again, I repeat for my readers as well as myself - OPEN ALL OF YOUR MAIL - you never know what pleasant surprises are lurking in those #10 envelopes! |
| posted by Boston Gal @ 4:10 PM *
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| 10 Comments: |
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I remember getting that same kind of overpayment escrow/mortgage check. That was a great surprise!
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Woo-hoo! What a great surprise!
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How timely! Your comment reminds me of my mom. She called me last week to tell me that the mortgage company sent her last two checks back to her uncashed.
She had paid off her house note about three months ago and didn't know.
She just kept cutting checks and didn't bother to see that they were returning them.
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Yes, I was very happy to get that check. My stack of mail also included the long awaited $10 Diet Coke Rebate. I love it when money arrives in the mail :)
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I agree! I thought I had misplaced a $50 health survey rebate from my company. It turns out they send the letter to my sister's house (I live there part-time) and I hadn't been there in a while to get it.hu
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What a very nice surprise! Lately I've been going through my junk mail and cashing those (useless service for 30 days) $15-30 checks. I set a reminder in outlook to cancel a week early. I love mail!
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I cant believe someone as frugal as you would use stamps and not pay all of your bills online, by phone or with a credit card so that you could save $0.39 per bill ;)
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Luck me! I close my escrow account early this year, and pay RE tax by going to the town house.
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For someone who is aware of anticipated cash-flow needs, why are you even using escrow? Just pay them yourself rather than giving the mortgage company the interest-free loan.
But hey at least you opened the mail!!!
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Hi Brett,
I don't have a choice, my mortgage company requires me to use escrow for taxes and insurance on my primary home loan. I don't use escrow on my investment condo mortgage since it is not required.
Believe me, if I didn't have to do it I wouldn't.
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I remember getting that same kind of overpayment escrow/mortgage check. That was a great surprise!