I tried that with my prison roommate and he said it didn’t help

I actually tend to buy books for kindle and read them on my phone, so neither. Owning a physical copy of a book does nothing for me and I’m glad to avoid it.

This exact thing happened to me last year. My mortgage company (BOA) did an annual escrow analysis and increased my payment by about $600. After a year, my payment readjusted back to near the original amount.