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Meandering......

April 25th, 2006 at 04:45 am

Lets see.... first, thought DD3 might have broken her arm/elbow. She went to a birthday party and the kids told her to limbo OVER the bar, which of course did'nt work. I told her to tell them to go first next time. Went in for xrays. Sure looked broken to me, but pediatric specialist says no. Will keep it in a splint this week still.
Sent in for 2 rebates! Yeah! I hope I filled out all the paperwork correctly. They can sure be tricky!
Husband came home to tell me his company is being bought and merging with another company. It is kind of frustrating because 1) he has only had the job since October and 2) the company is owned by my brother in law and we had no clue what was going on or in the works. Just goes to show....
I still want to refinance the house for 200,000 at 6.5%. Then we could pay off all credit cards and our HELOC (which I hate and has gone up to 10.5%) Right now we are at 165,000 at 6% for only a few years of payments. I am willing to forgo that. The equity in our house just keeps rising even though the market has gone into snooze mode. We had a subdivision of million dollar homes go in adjacent to us, so that really helped. Easily it could appraise for 240,000 and with the way the market is going, up to 265,000 and we are not moving anytime soon! What do you all think?
A no spend day today and I have been cooking dinner at home for over a week, except for Saturday night that was DH's celebration night. Trying to be really careful!

3 Responses to “Meandering......”

  1. Thrifty Ray Says:
    1145937011

    Refinancing was what gave me the option of being home. I know alot of folks are leary of doing so...but if you have the discipline to NOT recharge the cards and accumulate more debt, I think it can be a viable option.

    And the real upside is that you can deduct all the interest on your home loan.

    In any case, you are very wise to carefully consider your options.

    Good luck with your decision!!

  2. Thrifty Ray Says:
    1145973152

    ps...Im really glad your daughters injury was not more serious!

  3. contrary1 Says:
    1145973616

    I'm in the same spot here. Just moved to this place last year, but I had to absorb some debt with the business closure (horrible chapter, almost ready to burn the book)...........so have some cc debt. The kind that makes me sad/mad/frustrated every time I pay the bills. So, I've found my current home loan co. is willing to re-fi with no charges......and I can "hide" the cc debt in the re fi. The house payment would go up slightly, and the interest rate would be a couple decimal points down even....... Don't know what to do yet.

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