Halloween is my favorite holiday of the year. I start planning now for how I am going to be setting up. Any project that will take some time is going to have to be started now in order to get it made and test it out to see how it is going to look.  We try to add new ideas to our yard display each holiday. In the past, I have created my own huge spider, coffin, grave markers. I look through many web sites, books, and get ideas from others. This is a huge event at our house and I am trying to make it a block party one of these years.
 

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When you are getting close to paying your morgage off, be sure to keep an eye on the balance. Look at your escrow balance that is sent during income tax time or you can call the lender periodicly and get a current payoff balance. The reason why is that when I thought I owed the lender a payoff balance of about $2000.00 and received my new payment book, the payment had went up about $40.00 to cover the costs of property taxes and insurance that had went up for the comming year. When I went into the lender to pay this balance off, I actually only owed $67 and some odd cents. I asked why they sent me a new book with higher monthly payments instead of just sending a notice that I owed less than $100.00 could pay it off and could have saved them money on printing up a new payment book. They could not answer me, but I figured they would make as much money as they could if I would not have noticed this and just kept making payments until I had gotten down to the last one. So check your balance periodicly.

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