For the fourth consecutive year (that being all of the years we've owned our house), the bank has managed to make a piss-poor estimate at how much we should be paying toward our escrow account for taxes and insurance, and again we're short almost $600.
Our insurance went up by more than $130 for the year, which is insane. Our taxes went up nearly $200 a half, which is also insane. I don't recall any new tax levies passing, only renewals. Then again, who knows, because if it's for the schools I probably voted for it.
So now I can either pay the nearly $600 short amount, or roll it into the next year's payments at $50 a month. I don't really have a choice. I can't afford right now to drop that much money into the account, so it's pretty obvious what I'll have to do.
The first year was the worst, because they projected it wrong by something like $1,200 for the year (they were calculating on the value of the unimproved lot). I guess I'm sort of getting off easy this year.