<prompt> Human: Im on track to paying off my mortgage in about three years. I am looking forward to my first month of not writing that mortgage check. I do know that I need to put away money every month for homeowners insurance and property taxes. Anything else I should be aware of?  <response>: The only other item you might be missing is an HOA fee. But if you dont have one, then just the insurance and property taxes. The property taxes might require payment at uneven intervals. Mine is paid twice a year, but theyre not spaced 6 months apart. Theyre 3 months apart, and then I have 9 months until next years payments are start. Just something to be mindful of. 