patrick.net

Better than usual since wife does not drag me to eat out as both of us don't like parading around with masks. We also haven't taken our semi-yearly vacation because of corona crap, and next vacation will be within driving distance.

Doing fine here.
Bout to lower my mortgage by about $400/month.

Sales tax shortfalls kicking in hard, but otherwise doing good. Municipalities in some locations in IL and WI have tapped the brakes on spending bigly which we rely on. Estimating down about 20-30%, but that doesn't move the needle too much when you can't travel and as Brd6 mentions we're eating out and spending way less on entertainment. We're also a big experience and travel family. Did Utah NP tour, but don't have much in the pipeline, hence we can't burn money. We'd usually travel once a month for a long weekend at least. Fuck Covid.

Things are looking up for me. I started a business a year ago and the Covid is actually helping.

Shaman says

Bout to lower my mortgage by about $400/month.

How much of that was due to a longer amortization schedule? Not that there's anything wrong with that as the lower interest rates put more money in your pocket as well.