So ever since our vacation, things have felt stressful. Between being sick, catching up on bills, cleaning the house and dealing with Max's meltdowns, I'm getting worn out. We even decided that we'd wait another month to go back to the fertility doc because we're so tired and stressed. And that's big for us, because I was fully planning on going back as soon as I could.
We're also trying to refinance our mortgage. While on vacation, our loan officer called us to let us know we were eligible for a signifcantly lower interest rate. So significant that it will save us 250 dollars a month on our monthly payment. The only glitch, we have to get the house appraised for the same amount it was given three years ago when we bought it. While it doesn't sound that hard, I'm worried that in this current economy we're going to get hit. I REALLY want this refi to happen. It will add up quickly to more money in our savings account for fertility treatment, home improvement (which will only raise the value of our home more) and overall more money for emergencies. The appraiser is coming today at 10. So keep your fingers crossed for us!
Max is starting to hit his terrible twos a little early. He has been throwing more and more fits and temper tantrums. He's been hitting and throwing and occassionally biting. It's hard to yell at him and spank him sometimes. And at other times, extremely easy. :) I have to make sure that I don't just fly off the handle and that I give him ample warnings and explain WHY he is being punished or spanked. I have spanked him enough now (for serious things like throwing at the dogs or running away from me in public) that when I ask him "Do you want a spankin'?" he actually says, "No!" and stops the behavior. (I KNOW that sentence isn't punctuated correctly, but I'm on summer vacation! :P)
I'm also starting to stress about school. I'm nervous about team teaching with someone full time. Especially because she's totally ADHD. It's going to be a long year if we don't get along. At least I have a good idea of what the kids are like. Many of them are good kids (according to my friend Leslie who had them last year) and that matters more to me than if they are straight A students. If they are trying to do their best, that's all that matters.
Okay, I feel a little better. I just have to tell myself that it will all work out. We are going to try "on our own" this month for baby #2 (even though our hopes aren't high it will work, you never know) and have several other things on the agenda socially. We've also talked about several other home projects, especially if the refi goes through. One of them is an egress window for the basment so that we could list our home as a 5 bedroom. Plus, it would add a lot more light to the spare room down there. Additionally, we still want to paint several rooms, including a bigger room for Max. Now if only I could get my brother to come down and paint....
4 comments:
Good luck with the re-fi. When we bought, we ended up locked in at 7% because the developers were dragging their feet. Late last year we were looking to re-fi, and qualified for around 5%, but our condo was only worth 65% of what we paid for it. Ugh.
Hope all went well with the re-fi....that's tough. No stress allowed. Sounds like a girls night is just what the doctor should be ordering. ;-)
Hang in there with the terrible 2's... they are tough. :-)
man- that does sound stressful. Glad that you have the refi opp - hope it works out.
Max will have several weeks of craziness but will mellow out - no worries! :)
I wasn't able to refi on my condo because the value went down. I hope yours goes through!!!
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