I feel like I need to write. This week has been a mix of incredible and overwhelming anxiety.
This week was my first week of 4 day workweeks, something I asked for to help with these trying times. I was given approval by my manager and center director to do so. I don’t know how long I will be doing this, but for the time being I need it.
I have been putting off some much needed maintenance on my Jeep. I need to change the spark plugs badly. It seems like every time I psych myself up to do it I chicken out however. I don’t get it. I did get around to changing the differential fluid on both rear ends today. I don’t know if it was a fluke or what but the front would only take 1 quart. The rear 1 1/2 quarts. They should take much more.
One day while at work I received a call from my mortgage company. I’m thankful they were able to help me keep my home at a time when all the odds were against me. They have called me many times with offers that were of no benefit to me, just another sale for them. This time it was different.
With the economy in dire straits, and my credit card debts only increasing, this changes the ballgame for me. It rolls all of my credit card debt into a refinance, lowers my interest rate by 1.26% AND my payments with escrow stay essentially the same. This is a financial grand slam as far as I’m concerned.
This will relieve me of over $500 in credit card payments a month alone. It’s not that I couldn’t pay them, but the removal of those stressors is a welcome sign. The only downside to this is resetting the 30 year countdown on paying the debt off, and increasing that particular principal owed.
The elimination of the other higher interest debts really balances it out however, at least to me. With my paycheck not getting any larger anytime soon I need to make some strategic financial moves to ensure I stay in the green and actually build a savings holdings.