We do have savings. We plan to do some strategic things to the house. Right now, they focus on refinishing the basement (low cost), possibly expanding into the attic (which many neighbors already have done), and redoing the siding and injecting foam into the walls.
Those little numbers all add up.
My house finally pays off. Keeping that cheap little guy is saving our asses.
Maybe we can refininace and drop the FHA insurance on the loan. That could help. Even $100 helps.