Take-out tonight

Hey people.... ch-check it out. I just did the coolest thing. I'm so excited....

I just put $150 a month back in the bank by refinancing our mortgage! Yeeeah-hoooo! Look, I'm not the bank-rates-watching type. You'll NEVER catch me talking about it. Although, I really do think I'm pretty good at managing the household finances. I'm a SAHM, with 2 babies (a 2 yr old & 5 month old), so I keep a close eye on our dollars so we can keep it up. I look for sales when I shop, squirrel money away, plan for big purchases, and don't splurge... often. Hey, I never said I was a tight wad. I'm not above a nice bottle of wine, or eating out. Vacations, though none are being planned right now... are essential to good living, if you ask me. I love to travel. But that's another story. Ok, so we did splurge on our double-stroller. And I will NOT justify that. It's about quality, you know. If I see a toy I, I mean, my babies MUST have, then, sometimes I just can't help myself.

Anyway, as soon as we signed the dotted line on closing day for our house, I put that waste-of-a-tree (stack of paper) in the file cabinet and called it a day - haven't seen it since. I hadn't really even THOUGHT about refinancing until a colleague of my husband's suggested we look into it. So I gave it a whirl. I'm SO glad I did!!I spent 30 minutes on the phone with Wells Fargo and went from a 6% interest rate to 5.25%, without spending a shiny copper cent! We're gonna save $1800 per year! Hell, yeeeeaaahhhh!!! This is THEE BEST! I'm almost buzzing from excitement... I love it when I can pull money out of the air. And this isn't chump change, either! I'm thinking a few extra bucks towards our kiddies' college tuition, some towards our savings, and maybe even Indian take-out tonight! I love a delicious reward :)