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November 10th, 2009 at 03:51 pm

Well, I just made Octobers house payment, with $25 extra going to principle. It is the first late one in a while. But now it is caught up and Novembers is already worked into the budget. I just looked at the budget and things are looking pretty good...with the money my parents are giving me and if Icontinue to get overtime. I should have everything paid off sooner than expected. After the first of the year, I should be able to put everything they give me toward debt. That will take no time at all to pay off the cards! I can't wait.

I got my bedroom cleaned up Sunday and finished it yesterday. It was such a wreck. I just had given up. But it is like this gloom cloud has been lifted and I am back...trying to make a nice home for me and the kids. All the laundry is done and folded, with the exception of a load of towels that needs to be folded. It is the first time in a long time that we haven't had to go on a hunt for clean towels! Now I can start on the bathroom. It won't take long, just a bunch of junk to be picked up. I did the kitchen on Sunday as well. But it usually stayed pretty clean.

Anyway, things are looking up. Like I said, the gloom and doom cloud that was over the house has been lifted. THings are lighter and more enjoyable now.

6 Responses to “Update”

  1. creditcardfree Says:

    I'm glad the cloud has been lifted! I'm sure that feels much better.

    You might think about skipping extra principal payments to your mortgage. You still seem to be in a precarious position. The mortgage is probably your least expensive debt as far as interest is concerned. An extra $25 could be set aside for emergencies, unexpected expenses or towards higher interest rate debt. Just something to think about.

  2. north georgia gal Says:

    CCF...something to consider. My thinking though is this: in April I will have to refinance(a gift from my first ex husband, only did a two year loan, credit got so bad after divorce that I can't get a traditional loan now). If I have been making extra principal payments and making payments on time, I think they might give me a better rate. Plus I am scared that the bank won't refinance...in that case I don't know what I would do.

  3. ceejay74 Says:

    I hear ya, North Georgia, adjustments are scary! However, keep in mind that if your adjustments follow the market, there's some chance April interest rates will be about the same or lower than when you first took out the loan. Mine just adjusted from 5.75% to 3.85%!

  4. LuxLiving Says:

    What will it cost to refi? Will you need some cash to pull that off?

  5. creditcardfree Says:

    North Georgia, I still think on time would be the most important factor. Remember to check more than one bank when the time comes.

    I hope your rate goes down like ceejay's!! That is definitely what you need right now.

  6. homebody Says:

    I am so glad you have turned a corner.

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