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Christmas Crazy

December 7th, 2011 at 01:01 pm

I ordered some prints from Walgreens - some more of my dad's prints (one for gift - some to keep - I couldn't decide so picked 3 - got 50% off). OF course, they only print poster-sized prints at another location. IT's about a 5-minute drive from work and kinda sorta can be on the way home, so just went by there at lunch yesterday to pick them up. Ate lunch at home.

Holy Cow.

Firstly, the traffic was insane, since I had to drive past the mall. Though I try to avoid the mall in December, it didn't occur to me that driving past on a weekday noon hour would be such a painful experience.

Secondly, the line inside Walgreens was a mile long. I needed to pick up a couple of things, so just paid with the photos - there was no line at the photo counter. Phew!!

Mental note: No more "quick trips" anywhere in the vicinity of any mall.

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I need to get another frame, and just saw that Michael's has *buy one get one free* this week. I will brave the crowds. That shopping center has the worst parking lot ever - I hate it any time of year. BUT, Michael's is kind of off to the side, so it is not too hard to get in and out without bypassing the rest of the traffic. I will give it a go. Crossing my fingers! This is for myself, so no deadline. But I want to see if I can get more of the same frames I already have - is the only rush.

Lord knows when we will ever hang these pictures - dh can never seem to agree on anything when it comes to home decor. I tried to get him to help me hang them over the weekend - it was a no go. I wanted to replace an "ugly picture." Dh does not agree. Beautiful pictures, but no idea where they will end up. Will see...

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Okay, I can't take it any more. 4% for 30-year mortgages. I know this is not the first time. But I e-mailed our broker. One more thing to piss dh off about - he hates refinancing.

Just call me the perpetual refinancer.

If we keep our old payment, we will shave about 6 years off our current loan - would go from 27 years left to 22 years left. (If not - still pay off by about age 64 - which is about my maximum). I'd rather go through this broker because he was great and low stress and no problems. The fees are the exact same at our credit union. I'd rather get a credit union loan but they seem extraordinarily inflexible on waiting for an interest rate lock. With broker guy, I think it took over a year to get the rate we wanted, last time. Talk about service. Anyway, I informed him we had paid down our mortgage a bit, and I want 4%! Will see what he says. Last time it took two weeks, from rate lock, so who knows. May be refinanced again by 12/31? Dh won't be too surprised. I already said the ugly word a few times in recent weeks: refinance. Would be 0 point refinance, will pay cash for closing costs. New payment - something like $950 down from $1130.

This is not the *last time ever.* I made the mistake of thinking that the last 2 or 3 times. It is possible we can pay down a chunk and get an even lower 15-year rate, at some point. So, I give up on "this is the best it gets" thinking. Who even knows? I would hope this is the last 30-year loan we ever refinance. I feel uncomfortable with a *worst case payoff* any higher than age 65-ish.

2 Responses to “Christmas Crazy”

  1. Petunia 100 Says:

    Good luck with the re-fi. I would sure love one of those swell 4% loans too.

    The last 3 times I have taken out a new mortgage, I have told myself "this is the last time I will have to endure this process". I was wrong at least two of those times!

  2. frugaltexan75 Says:

    I hope the refi goes through painlessly.

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