Psychotomy

so went last wed to sell the car. b/c when i went in may i realized i didn’t have a copy of the title anywhere. so i got the title and went back to do it.

get through the initial process (offer is 500$ lower now :/) and go to proceed … and apparently my title still shows the lien from the carloan i paid off two years ago??? *sigh*

but the same day we got an offer for an equity loan. ignoring that, we went to the credit union and talked to them, filled out an app an’ stuff. now, for some reason, all the times i was looking at how to reduce our costs pay off bills etc (which led me to the idea of selling the car, to begin with) … i thought of refinancing the mortgage, but kept thinking that (a) the house hasn’t gone up THAT much to make it worthwhile, (b) the rates HAVE gone up to make it annoying (although switching to 30 from 20 would reduce payments, it would raise the rate by nearly a % i think, plus whatever increases from last year) …

it NEVER OCCURRED to me that mortgage is best up to 80%, but an equity loan is still clean to 90%. 10% is a lot :o so we applied for that, gonna pay off bills (reduce our monthly by half or more) … then we’re going to do what was suggested at t-day. freeze the cards. that way they’re there, if you NEED them, but they’re not there to randomly whip out everytime you wanna buy something new.

who knows. maybe consolidating will actually help this time.

Posted in: general by attriel /