I am so smart

So I took a look at Quicken last night and could not for the life of me figure out how that loan would work unless Chase not only waived closing costs but PAID ME an additional $7k. So it was not a huge surprise when I got a message from the processor saying that he'd been wrong; that he couldn't figure out a way to do it for less than $7,000 in closing costs. At least with that, I didn't even have to ponder what to do.

As soon as this market comes back....I am so anxious to be done with these crazy mega banks!

High Finance

So the refinance is back on. I think. I'm hesitant to say anything for sure at this point since they have been so...inconsistent but I just got a phone call from my processor saying that he'd had to run it through underwriting and had a counteroffer for me - all the closing costs can be rolled into the loan + the total loan amount will be $1,500 less than before (which also makes my monthly payment about $50 lower). According to what he told me today, I will only have to bring about $150 "to the table". Huh?

I'm not sure whether they miscalculated before or if they just decided it makes more sense to lower the costs in order to keep me with them. But since it costs me nothing to keep going at this point (other than the inconvenience of getting another appraisal done), I told him to keep going. So stay tuned, I guess.

Best Profile Pic

OK, long overdue in updating profile pic. Finally took a slew of pictures after haircut today (hurrah!).

What's your vote for which to use on facebook, etc?

OR



OR

I, of course, have issues with all of them but trust me, these are the best ones of the bunch...

or maybe i should just get kristi to take some tonight that AREN'T so close up!!

Happy Anniversary!

Since my (probably by this time) solitary reader is hinting that I have been remiss in posting to this of late and since that reader is also celebrating the 43rd anniversary of her marriage to my father, I decided I would create ANOTHER post in the span of less than 24 hrs(!) to assuage her and also commemorate the event.

So....

Happy Anniversary Mom & Dad!

Makeover Progress

Here's my current status on the TMMO (Total Money Makeover). The teeny percentage that still runs into the zero is a bit discouraging but I've called off the re-fi so I'm looking forward to starting in really hardcore on this now. I'm thinking it will be good to go by percentage markers since the student loan makes up 70% of the total and all the "easy wins" are going to be loaded up here in the next few months (I hope!) Boy, do I wish I could go back in time and not get those things to begin with. I swear they never seem to decrease!

I'd decided to reward myself at each payoff so i might need to add in rewards at the 50% and 75% markers too, just to keep myself going...