$25, 405. 1 year and 5 months to go. I waited until the last day of the month to make my extra payment because I couldn't decide if I was going to do $1,000 or $600 this month. Jimmy-dog's vet bill was $450. I also had the opportunity to get the timing belt and water pump replaced in my PT Cruiser for $650, less than half the amount it was quoted to me. Since the car was 10k miles over the recommended maintenance time and I had heard that a broken belt usually kills the engine permanently, I decided to get it done even though the financial timing isn't the best. So, that's negative $1,100 for November. I have $600/month budgeted for these kinds of expenses. Then, I had the opportunity to host a tiny house in my yard for one month. (Details to come later) That's a positive $300 for rent. To make up the difference between -$1,100 and +$900, I only paid an extra $1,000 instead of my usual $1,200 for the mortgage. Now I can move on to trying to balance December.