Here is my annual review on what my balances were since I started tracking: MORTGAGE: NOV 2016 = 86,735.14 NOV 2017 = 84,213.18 NOV 2018 = 81,699.54 NOV 2019 = 79,499.00 (REFINANCED IN SEPTEMBER - took off 2 years of our balance and $100 off our monthly payment plus the credit union paid the closing costs). NOV 2020 = 73,000.00 STUDENT LOAN NOV 2016 = 17,764.25 NOV … [Read more...] about Financial Year in Review 2020