Fifth Third had been contacting us for months about refinancing our home and we never thought it was the right time. For one thing, we're not going to fit in the condo forever and for another thing we don't have money for closing costs and other re-fi. After a while Reed decided to look into it and see what they could actually do for us. I was very wary and said that if he did all the paperwork and felt good about it, I would be fine with it as long as it wasn't going to set us back in our budget. It took 2 months but we signed all the paperwork today and we are re-financed! We didn't have to pay anything, in fact we get a check for $250. New payment plan starts in July. Even if we are only here for another year, it was still worth it. I asked Reed why this was all working out and it sounded too good to be true. He said I should thank President Obama. I think I'll thank the Lord instead.
3 years ago we bought our mini-van and financed it through USAA. We decided on a 3-year loan instead of the traditional 5 so that we could pay it off fast. Today we received the notice that we have paid it off 2 months early! I wasn't expecting that because I keep tabs on our debts and we still had a little to pay next month. Apparently since we were so close, USAA just called it a "closing adjustment" and called it good. We love USAA and will never leave! It's so good to have the title in our hands and know that we won't have to pay $145 every month. Of course, it's going to break now. Or Reed's car is going to break.
We have been plugging away at our debt for 5 years now since getting on the Dave Ramsey plan. It has been a struggle. This year has been a good year for us in this arena. We've paid off a credit card, one of my student loans, and now the car. Up next- the daycare costs we have racked up during our winter periods and one more credit card. Easy peasy with our snowball now.
- Day 4
- Breakfast- Celery, Apple, Pineapple juice
- I really need a better blender. It tasted good but there were still some chunks of pineapple after blending for a long time.
- Lunch- Broiled Lamb Chops with Asparagus
- My first time cooking lamb and it turned out fabulous. The rest of the family had the lamb chops for dinner and we grilled them that time. Still delicious.
- Dinner- Leftover Mushroom Zucchini Soup