Well, that big news that I’ve been hinting about for about 2 months finally came to pass yesterday. Despite having a former roommate damage my credit, despite being owed money (which came from my credit cards), and despite draining my own resources to see a girlfriend (now ex-girlfriend, thankfully!!) out of state, I have made a great stride to turn it all around.
Yesterday, I finished the process of re-financing my condo. Since I have gained about over 33% of the condo’s value in equity in just over year (in common words, it’s worth $50,000 more now than when I paid for it), I’m borrowing against that equity. So, in re-financing, I’m getting a much lower APR than the last-minute change I was forced into when I bought the house. And that difference makes me pay about the same mortgage price each month, while I cashed out some of the equity to pay off almost all of my credit card debt. Again, my credit cards are paid off, and I have almost the exact same mortgage payment. My credit score will rise very soon, as my income to debt ratio has turned around tremendously.
In short, I can afford to live now, and more importantly, I can afford to have a life again!!! I can now afford to go out for a drink, or to go out to dinner, and I can certainly afford to date again! So, to all of those who put me into that bad situation to begin with, FUCK YOU, I dug myself out of it. And even more, YOU STILL OWE ME MY FUCKING MONEY!!! Yeah, act friendly, but your debts to me are still your responsibility!
More good news, I don’t have to make a mortgage payment for December… first payment is due January 1. Even more good news, tax refunds should be here by mid February. And even better news, when I decide to sell my condo, there’s still more equity in the property, and the real estate prices are continuing to grow!!! Buying this place was the smartest thing I ever did, even if I did have to suffer for 16 months to get to this point.
So, what’s the bad news? (click on the extended entry link to see)
The bad news is that today, I got a letter stating that I’ve been selected for jury duty.
Ugh, the thought of the necessary time to make up for the missed time at work, just doing my civic duty… just ugh.
I’ve heard it put this way… “Jury duty is the punishment for being stupid enough not to get out of jury duty”. But, since I have the right to vote, I have the duty to serve jury duty. Besides, who knows, I might not even have to serve.
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