made my last mortgage payment today. total anticlimax. two people peered at a computer screen for what felt like an eternity, then one looked up and said, you owe $1.48 more. i took two lollipops out of the basket for my troubles on the way out. it will be a couple of paycheck cycles before i feel the monetary relief on the monthly budget, but wow....done. refinanced twice along the way to get rid of a 13% variable rate mortgage, and then a 9.5% and it only saved me two months on a 30 year note. i have a line of credit with another bank with a small balance, daughter needed a course at school paid for, but i may not pay that off right away, at 22 bucks a month it isn't going to kill me. but that does make them a lien holder so technically we don't own the joint outright yet. who cares?