**I have the weekend off work and the weather should be GORGEOUS. Plus, getting out of town. I think it will be nice to get a change of scenery. OF course, it's just a brief break before the craziness of the next 10 weeks or so. 1/31 just left me beat down far more than usual. I am exhausted! But yes, definitely looking forward to a change of scenery and some nice time in the sun. (Working overtime or not, the darkness every morning and night is depressing to me - more of a winter thing than a work thing). Yay to the days getting longer...

**My 60-day refi rate expires Monday. After calling and e-mailing loan processor several times to see what's up... (Hello???) I finally called a higher up lady I had on my list. She got back to me ASAP, thank goodness! Our rate will hold (it's their fault) and she gave me an estimate of 3 more weeks.

I think it's totally ridiculous, and this is the worst customer service ever, but whatever. What can you do? Dh and I do a pretty good good cop/bad cop (just our personalities). But he is chomping at the bit to rip them a new one. It's like, "Down boy!" We've gone through enough refinances to know nothing makes them go any faster. I just didn't want any BS about our rate when they are slower than heck. I just don't see the point of sicking dh on them since I know there is nothing else we can do.

*I* just wanted my rate honored and someone to act like they cared and to tell me what is going on. I got that (eventually) and didn't need bad cop.

Of course I'd sick bad cop on them if I thought it would do any thing. Anyway, if they didn't reply to me today, they'd probably be sorry. I don't think there would be any stopping bad cop. So, they got lucky.

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Anyway, with this refi thing so up in the air still, I went ahead and paid several months of ROTH contributions that I had put on hold. Deposited 3 months to our IRAs, did the usual savings transfers, and paid off the visa. (I had some ROTH payments on hold for advanced expenses for credit card rewards, and then was just holding on to have extra cash readily available for refi. But with this last paycheck, I still mostly have all the cash they wanted me to have, at the ready. I have another account I can write checks on, if I end up short. It has more than enough cash. I give up putting everything on hold for the refi that may take another 60 days).

After talking to CU loan lady, decided to just pay one more month of mortgage too (paid through 4/15). Lord knows how long this refi will take. The longer it takes, the less cash we should need to cough up. We've paid off about $2000 principal since we applied for refi, and will probably be due back interest, too. So, I suppose it isn't the worst. Though of course I would love to close this chapter and move on! But at this rate, we won't even take any hit to cash (I should get paid big OT check in April, to replenish whatever we spend on refi. I just expected our savings to take a bigger/longer hit, is all - since this refi should have been DONE by now. At this rate, the hit will be smaller and shorter).