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Reply to "Critique my budget, please. Need to increase retirement savings."
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[quote=Anonymous][quote=Anonymous] . You're paying $2500 [b]in mortgage insurance?[/b] Do whatever you can to pay off 20% of your loan. At that point you can cancel the PITI. You have to ask them to cancel PITI, they won't do it automatically once you get to 20%. If you couldn't afford a 20% down payment on your house, you bought a house you couldn't afford. If possible, downgrade to one you can afford. CUT out the $400 shopping for gifts. You are paying someone to clean your house? Clean it yourself! [/quote] Not the OP, but PITI is principal, interest, taxes, and insurance. It does not necessarily include PMI which is private mortgage insurance, what you are referring to.[/quote]
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