Today was a great day. This morning I slept in from staying up until 230am the night before, eating fruitcake and drinking chocolate milk. It was a "we got paid after midnight so time for a middle of the night food run to the supermarket for fruitcake, frozen lemon meringue pie and chocolate milk for me. Beef stew and ribs for hubby. The frozen lemon meringue pie was for breakfast this morning. But I did my morning pages, something I haven't done in over a week! I had been required to get up and get moving out of the house early in the mornings so have been skipping them and that was a mistake. It felt good to do them again. Progress!
At 2 pm today we were expecting a notary from the refinance company to do the final paperwork for, you got it, the refinance of the house. The good news about the refinance is it is going to lower the payment for us, allowing us to make a good principal payment every month, paying our house off in less than 30 years, hopefully like in 20. Also this will allow us to skip a mortgage payment, so we can pay for the bankruptcy. And in a bit, we will get a refund of our escrow account, a refund from our old insurance company and a huge check of $64 from the refinance company. So after we have to start make payments again, February 1, 2015, we can start an emergency fund. After we buy me an adult tricycle and, a helmet. But we do have priorities, so maybe I will get my tricycle in time for spring.
So the notary showed up 25 minutes early, while i was fresh out of the shower. My hubby entertained her while I finished getting dressed. When I got downstairs, she was coffeed, set up and ready for us to begin signing our next 360 months away. Hopefully less. I know less!
We signed and dated more forms than I can count. The other thing we accomplished? I got my name on the mortgage and the deed to the house. Now it is officially owned by hubby and me, yeah! When we originally bought the house, my credit score wasn't good enough to get on the VA loan. This refinance was VA authorized and didn't require credit scores. Since the refinance let us fund the escrow account, we got to start a new homeowner's insurance company with a company called Amica. It is owned by the policy holders and pays dividends on your policy.
To celebrate, we were going to go to the movies to see the new Night in the Museum movie but it wasn't out yet, so we went out to dinner at one of our favorite places, Golden Corral. We had a fine dinner of steak and ham, with various side dishes. And we finished it off with rice crispie treats on sticks. Oh, and just before dinner, we went to our tax lady and got copies of our last two years of taxes, federal and state, with copies of the w2s, all for the Big B, which is the new name of the bankruptcy.
After dinner we stopped at Walmart so I could get Christmas Cards. And you know that you go there just intending to buy a couple of things, then next thing you know, you've spent $100. Well, cut that in half but it was still a lot more than we were planning on. A little promptitude Christmas shopping. Then we went home and settled in for the evening. By the time we got the dogs and cats all fed, cleaned up the dog food hubby pilled all over the floor, and carried in everything in from the car, it was 9pm. Hubby started working on rebuilding his database and I started in on Craigslist. Found the box turtle I wanted but someone else got him first. Bummer. Now we are spending the rest of the night watching movies, then blessed sleep. Good night.
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