This is too funny - I swear I was posting this before Looking Forward. Hehe. I didn't copy!
I don't know why loan and title companies are always SO AGGRAVATING!!! AAAARRRGGGGHHHH!
Anyway, supposedly we sign Monday, for refinance. EXCEPT they called dh and told him to get a cashier's check for like $4700. Problem was they told me $3200. & really? A cashier's check? Since When?!? I guess it's no biggie, just not sure I have ever needed one before. Probably when we bought and came to the table with $50k-$70k. But otherwise? For a few thousand dollars for a refi?
No one told me any of this until after 5:00 Friday and so I am SO AGGRAVATED. I think it is just an impound thing though - they *never* seem to get that right! {No impounds - I only told them 100 times, due to past experiences, and paid my property taxes early so they wouldn't touch them!}.
Crossing my fingers we can get this straightened out first thing Monday, and can still sign Monday. I don't have $4700, but maybe that is for the best - forces them to fix it on their end. I decided if dh deposited all our cash Monday, we might barely come up with the amount they asked for. {Just thinking worst case though I *know* we do not owe that much for the refi}.
----------------------------------------------------
Thank goodness for Quicken! I enter all my bills and income in there about a month ahead, sometimes two months. Then I shift things around, utilizing float, in situations like that. I had to play with Quicken last night to determine how much cash I could part from checking account, and for how long.
Meanwhile, with all this money in/out in/out from savings for property taxes, new appliances, refinance costs, on and on and on, I really have no idea how I would manage it otherwise. Quicken doesn't make math mistakes. & it is so much easier to deal with than Excel. Paper would be a nightmare. (I don't do paper and pencil accounting at work because it isn't very efficient, so guess I feel the same way at home). To be fair, I use excel in conjunction with Quicken - the excel part is just pretty simple.
Between Quicken and an excel sheet that I use, I know precisely where I stand!!
So, once I get this *real* number, I can update my Quicken and see where we are at - will take about 5 seconds.
I couldn't function without Quicken right now - I would be going bonkers!! It's also been very helpful with the credit card rewards and such.
If this refinance ever ends maybe I can be done with all this financial juggling. It's been non-stop since all those credit card rewards started last summer. On and on and on. Pay this big bill early for that reward, and stuff like that...
Quicken
March 11th, 2012 at 12:05 am
March 11th, 2012 at 12:28 am 1331425695
March 11th, 2012 at 02:44 am 1331433862
After using Quicken, even for this short time, I feel like everyone should use it. Really, WHY didn't I try it before now?!?
March 11th, 2012 at 02:03 pm 1331474608
I actually set up my kids in there, because I felt an element of, "If only I had this when I Was a teenager!" My whole financial history would be in there. So, I will do that for my kids. {Though I am well aware Quicken will probably be obsolete by the time they will have jobs and get real use out of it. But I will have a detailed financial history for them, all the same}.
March 11th, 2012 at 03:50 pm 1331481027
Sign of the times, I guess!