Dairy-free update...

So, it appears that goat cheese is also a no go.  I don't have the respiratory issues but I still have the GI issues.  Bummer!

Mortgage nonsense...

So the Mortgage company is sending me a ~$2300 refund from my escrow because things didn't cost as much as expected.  (Well, of course! The cost of flood insurance was cut in half this year).  However, they are not reducing my required mortgage payment.  Huh?!  So, if expenses stay the same, I'll get another refund next year.  I guess I'd rather that, than be caught up short.  However, I didn't expect my escrow account to become a savings account.  I'll take it, though!  I'm going to make an extra Visa payment and put the rest into the household savings account.