HI all
Got the clear to close. I close tomorrow on the main home refinance. I have to bring $294 which is fine.. rate 5.375%, 5/1 arm. Savings of $1200 a month. This frees me up from the risky high rate hard money loan and buys me 5 years but hoping to refinance to a 15 year conventional in August.
I was not escrowing taxes yet for next year so my 'real reflected savings' over what I was paying is only $261.. that will go to savings
Paying off the roof this weekend.. and other stuff.
Putting $750 more towards savings
Interest in the ellipitical at $75
NO interest in exercise bank or cage bank.I will call animal control and that low cost spay neuter clinic to see if I can get some interest even if I go down in price
Vacuuming my Tahoe this weekend and will get estimates from carmax and this local place
Work is insane.. 90 minute drive home.. and layoffs in 3 weeks.. boss was talking today about losing his job.. VERY high pressure and stress.. but on a high note.. got overtime approval again.. 5 hours. unfortunately they want 3 hours of that TONIGHT.. (tired from long crazy day w work and loan and drive home)
Have not heard on that job I interviewed for .. still hoping for good news soon
Onward.
Main home refinance, I close tomorrow, and other stuff
November 21st, 2014 at 01:15 am
November 21st, 2014 at 02:28 am 1416536883
Drop the price of the animal equipment to whatever gets it sold. You probably won't get any interest from the animal control people because of their spending policies. Buying used equipment is not something they do. The spay neuter clinic might be a better candidate.
Once you sign docs, you should be in the clear. If you sign tomorrow, will the loan fund on Wednesday?
It really is amazing that you could complete the refinance so soon after the foreclosures. Who would have guessed you would be able to save your house and get it financed on reasonable terms when you started this blog?
November 21st, 2014 at 01:32 pm 1416576767
Trying to really close out the year strong.. need to get these things sold, things paid off and stabilize. SO PSYCHED I got out (am getting out today) of that ticking time bomb loan.. saving is only a few thousand over 9 months but if I can get that conventional in August .. really starts to kick in.. I understand about building up the e fund.. also will kick up more job search next year if thsi job does not work out.. thankful I am a higher demand area.. if I was willing to work out where I work now or work downtown I would have had a job by now.. And excited to concentrate on closing that negative cash flow gap. believe it or not I have been so bogged down with other stuff and stabilizig that never really put a GOAL to it or a plan.. always wanted to close the gap but never really worked it.. I think I can knock a few hundred off next year maybe.. be GREAT!
November 21st, 2014 at 01:33 pm 1416576828