Unnecessary stress

Why does everything have to be so difficult? Nothing is ever cut & dry. You always have to jump through hoops, sometimes stretch the truth, bend the rules, and stress yourself out ...unnecessarily, most of the time.

As I mentioned before, my ultimate goal for 2013 is to be debt free except the house... That's hard to do when you're already living paycheck to paycheck & cutting corners here & there. It's hard to really make headway unless you have a couple hundred dollars to play with in the beginning. We decided to try to refinance our house. With the current interest rates so low, we could easily save a few hundred dollars per month. It's a no-brainer!

Well, we already knew that the value of homes in our area is down. We were then told that they will only refinance at 85% LTV, plus trying to roll in closing costs, it left us with little room for play, and we were going to have to pay $425 upfront for an appraisal-/ non-refundable. That was a $425 risk we weren't willing to take.

After much disappointment, we discussed everything with my mother-in-law who is lonely since her husband passed away in September. She has struggled to make ends meet & she seemed thrilled to have us sell our house & move in with her! We figure we can at least get what we owe out of the house & walk away. We will live with her for two years while saving money for a down payment on a new house. We will help her with the bills & be company for her. It's a win- win!

So now, the loan officer I was dealing with, emailed me to say there is another option for us that requires no appraisal... The HARP program. I don't even think our mortgage is owned by Fannie Mae or Freddie Mac, so what the heck is she talking about? A loophole?? My thoughts... Why in the hell didn't you mention this sooner???? It's not that I regret our decision to sell our house, but we worried soooo much about whether or not we could refinance and stressed ourselves out over nothing...& she knew that! She waits until now... to say there's another option.

I guess as the old saying goes, everything happens for a reason... & I feel it all worked out for the best. If we get out from under this house now, we will be in a better position to buy a new house in a couple years.

One step forward and two steps back.

As soon as I feel like I've got a handle on my diet & exercise, something happens that sets me back to square one-/ or maybe even negative one! Last week I was unable to exercise at all, and I probably ate fast food 6 or 7 times. It wasn't what the doctor ordered but I was listening to my body and trying to do what I felt was best.

Stress can cause some crazy things. I've had a lot going on... From my father-in-law being diagnosed with lung cancer, to my mom being in the hospital 4 days & 3 nights because of a fall that left a huge gash on her shin that became infected. I've had to deal with people not paying us our money, the office staff/ cheer coach at my daughters school being idiots, posting 6 things on Craigslist all at once & a million people calling (I brought that on myself), a chick that I work with running her mouth about me on Facebook & expecting me not to say anything-/ NOT HAPPENING! -/dealing with a local furniture store in which we bought our daughter a new bedroom suit & when it arrives, two of the pieces are the totally wrong style, 1 piece is damaged and 1 is missing...& after a second delivery we are now left with two damaged pieces & 1 wrong piece and are being told that they are on back order so it will be 2-3 weeks to swap them out!

...the list goes on & on
I kept a severe headache for about a week and even Excedrin Migraine wouldn't completely knock it. I was having lightheadedness & dizzy spells when I would stand up, and I felt sick to my stomach. There was noooo way I could have exercised... I just took it easy, tried to calm down & not dwell on everything going on in my life. I made a dr appointment for Friday but cancelled it because my symptoms were subsiding. I know it was stress, and as things start to come together I am feeling better and better. I hope to get back on track starting tomorrow.