(did you like that title?)

Okay, okay, I renewed my flickr account.

I’m working on getting my house refinanced, which should save us money monthly.  Okay, obviously, if it doesn’t save me money monthly, the refinancing my house was pointless at this point in my life.  My credit card and my car will be paid off after I’m done with this refinancing.  Thats going to completely kick butt.

Originally when I applied for the loan to purchase this house, my credit wasn’t great.  So, I was given a higher interest rate.  Now, since its been nearly 2 years in the house and they realize that I’m not a credit risk anymore, they’re offering to lower my interest rate.  Of course, I jumped on board.  Who doesn’t like a lower interest rate.

(Its a fixed rate, calm down everyone.)

My concern with this refinance is how quickly that money will find other places it needs to be spent.  Do you know what I mean?

My short term goals, after all the paperwork is done, will be to pay off a couple outstanding hospital bills that I have, get my car in better condition and finally pay my personal property tax (which I will probably still wait to do until after my taxes are done).

My long term goals will be to not use my credit card unless absolutely necessary.  Also, I’d like to set aside some money monthly, in like one of those… oh, what are they called … savings account!  (Sorry, its been so long since I’ve used one of those, I forgot what it was called.)   I’d like to be able to save up some cash for some home improvements or maybe a vacation one day!

Are ya pickin’ up what I’m layin’ down? (I looooove saying that!)
I gotta take off.  Stuff to do, people to see… or something.

Oooh, Tom finally updated his blog.  Go tell him hello, okie?