Saw our private mortgage lender this morning and asked him once again about a refinance.
The spouse is stressing out regarding our mortgage payment which, although it is 'only' $900/month, he feels is too high. Our credit has improved and it may have improved just enough to push us into a more 'lendable' category ..... we shall see.
We want a fully amortized loan, enough of this interest only shyte. I'd like to pay this entire mortgage off altogether but that just isn't going to happen right now because we are short in our mortgage pay-off savings account.
In other goings on, the spouse and I are on Day One of a juice fast. It's not really a fast per se because we are allowed 4 smoothies a day but the spouse is hungry and snappy already but I am doing fine on it LOL I jogged/ran for an hour on the treadmill this morning and then hit the trails with the spouse panting behind. We have two more days of this smoothie-only regimen and then we'll return to 'normal' food on Monday. It's hilarious listening to the spouse bitch and whine about his hunger but I know from personal experience that's it's difficult to exchange bad habits for good and so for the most part I remain patient with him. It takes effort and commitment to lose weight and to maintain a regular exercise program.
I am at 'that place' in my mind that's telling me it's OK ~ I can't stuff my face on chips and chocolate, that I cannot stick my face into the fridge searching for something to graze on. I'm not in a panic over not being able to eat anything that's not included in the program this weekend and I am not anxious about it. Anxiety has always been my undoing in the past but it's not winning today. The spouse however isn't at 'that place' yet .... it's gonna take a while for him.
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