Why is it that whenever I get an idea in my head about making my life easier, it's the hardest of stressful situations to get it there? I have been in refinance hell for the past 76 days. Hopefully, in a few days, I will have a much smaller house payment and have a lower amount to pay each year but as of now....I am going stir crazy with all the red tape and crap that goes with making it a smooth transition between two lenders. UGH!
After the refi, there will be breathing space to finally pay off some stuff and get into a nice pattern for paying off bills. In 10 years we hope to be debt free, totally, consumer debt and house debt. We just made some major renovations (new roof and new pipes and plumbing in the house and out to the street) which brings up the house value and the lower mortgage payments will make paying it off a bright spot in the near future.
I have also taken steps to get some money that someone owes me and that will help in the monthly budget to rid the debt even faster!
I love my life and looking forward to getting on with 2011. This next year will be awesome! All of our big stresses were in 2010 so 2011 should be smooth sailing.
Hoping yours is too.