2019 Review

2019 was an interesting year to be sure, here are some highlights:

• January
• February
  • Refinanced mortgage from 30 year @ 4.25% to a 15 year @ 3.5%, eliminated both PMI and escrow because we're now at 80% LTV
• March
• April
• May
  • Francis went from hourly to salaried, pay increase
• June
• July
• August
• September
• October
• November
  • Had a wedding!
• December