Taking Out The Trash

Hello everyone!  How are we all doing this evening?  I hope that we're all well and fighting fit.

Speaking of fit, I've been diligent in the exercise department ..... an hour of high impact cardio 6 times a week is doing wonders for my disposition LOL  I feel a bit grumpy in the mornings because I am not a morning person but, after 'taking my medicine', I feel pretty darned good on the inside. 
The physical and psychological effects last all day so, if you're feeling depressed and sluggish, I recommend some exercise.  Start slowly and build up stamina and strength.  Find a piece of equipment you like or a walking route that you enjoy.  Of course, one of my extended family members had to pipe up with, "You should be doing weight training and not so much cardio" (like they know what they're talking about) but I say, find what works and stick with it.  For me personally, an hour of cardio every day sure beats lying in bed or lying on the sofa stricken with depression.  That's how it's been for me at times.  I also wonder what good are muscles if I cannot walk up a hill or several flights of stairs without being winded?  I will take cardiovascular fitness over muscles any time LOL because I don't like that feeling of being out of breath.

What else has been going on around here?  Well, see that file box at the top of the blog post?  That box contains all of our important papers and documents.  I have shredded and discarded so much old and outdated paperwork that I have filled trash container after trash container on a weekly basis for a while now.  The file box up above shows what's left.  Only the stuff we actually need.  I have finally conquered the formerly huge problem that we used to have of boxes and filing cabinets full of papers and, basically, trash.  I can't begin to describe the habit that I used to have of hoarding every single darn paper that came into the house just in case we 'needed' it.  The result was cupboards, boxes, filing cabinets, desk drawers, surfaces, storage bins FULL of papers.

I have moved out of hoarded houses and literally left piles of personal and private papers behind because I just didn't have the time/inclination to deal with the mess.  I remember once moving out of a house and literally setting fire to a pile of papers on the garage floor because I was completely incapable of sorting the pile, so large was it.  The spouse didn't want to leave cancelled checks and bank statements lying around but, like me, he was young and frazzled with a bunch of kids running around and totally disorganized.  It's a wonder we didn't burn the place down.  At the years long peak of my hoarding, we moved out of another home that had foreclosed and again, left piles of paper behind in the garage.  On this occasion, we didn't have time to even set a match to the papers and just left it all behind.  I remember that we just couldn't deal with the mess, the kids and the whole process of trying to move out of yet another hoarded house.  That was, however, the last time I ever did that.  From then on, we always took our mess with us to each ensuing house until .... the custom house and the nightmare that became.  As that place began to fall into foreclosure in 2008, well, I knew that things had to change.

On the refinance front, I've been working with a local bank that I used to work with back in my days as a real estate salesperson.  This particular bank has always been very professional and a careful lender, even in the days when banks were throwing money at anyone who could fog a mirror.  At first, the gal I'm talking to said she couldn't help but I, ever persistent, threw a few ideas out there and it looks as if one of those ideas might take. I'm hoping for a 15 year FHA mortgage.  Will keep ya posted!

I am bound and determined to refinance this horrible mortgage, one way or another ........!