This is now the second month that I’ve paid less than my target bi-monthly payment amount. As I mentioned in this post, I have a mid-month payment that is required by my servicer, but I also have an end-of-month surplus payment that I use to pay extra on my loan. My end-of-month target payment has been $1,000. So far this year, I’ve managed to hit that  target, until recently. I’ve been having a long standing battle with overspending my budgeted allowance. It’s a battle that I’ve clearly been losing.  Read More