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Post by wineallthetime on Aug 25, 2017 7:06:20 GMT -6
Thanks, mwhip! I think I did pretty well in the 6 weeks. Down 12lb and at least 15inches (need to measure again). I'm going to continue on with a less strict diet they recommend in hopes of continuing to lose. I still have a ways to go!
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mwhip
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Post by mwhip on Aug 25, 2017 7:10:30 GMT -6
Thanks, mwhip ! I think I did pretty well in the 6 weeks. Down 12lb and at least 15inches (need to measure again). I'm going to continue on with a less strict diet they recommend in hopes of continuing to lose. I still have a ways to go! Damn girl, that's awesome! Keep up the good work, after your mimosas and cinnamon rolls! I was just happy to get into 2 pairs of jeans this week I've never been able to wear, but I'm no where near where you are!
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Post by kellykinns on Aug 25, 2017 7:11:08 GMT -6
Thanks, mwhip! I think I did pretty well in the 6 weeks. Down 12lb and at least 15inches (need to measure again). I'm going to continue on with a less strict diet they recommend in hopes of continuing to lose. I still have a ways to go! You're the incredible shrinking woman!
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Post by peachsmama on Aug 25, 2017 7:12:34 GMT -6
peachsmama I'm worried about multiple credit checks and it effecting our credit score. They would roll the closing fees and appraisal into the ReFi, so it will be no money out of pocket. The housing market in this area is really good right now, houses come on the market and are under contract in a few hours. So I'm really interested in what they come back with. I just wish I was more knowledgable about how it all works and how it will effect us. My mom is getting a HELOC currently also, and I now if it was bad, she would tell me. I wouldn't let anyone do a credit check until you decide you're going with them. If you know it's good enough to do it then most banks have almost the same rules for the score. Check the bank that you bank with, they most likely have some kind of bonus since you're a customer. And look at the smaller banks. They are always dying for business and may have a good offer. Rates are going to be pretty close in one area so I wouldn't let .1% make your mind up. For me, I have to like who I'm dealing with. If they're a pain in the ass, I'll leave. Let me see if I can get a quick run down of how it works. My brother is about to do one to remodel my grandma's house so it will serve you both. Remember that having your house appraised, if they raise the value that will raise your property taxes. Doing a construction loan like we are, it's basically a line of credit then they convert it to a mortgage at the end. So we only pay the interest accrued on what it being used during the building process. I would lean more towards the line of credit option so that you are only paying on what you are currently using. You said you wanted to pay off debt, but if you also want a safety net for when he is laid off, the line of credit would be good for that without paying for it to sit there. Odds are you won't find a savings account that will give you enough interest to pay the interest payment.
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mwhip
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Post by mwhip on Aug 25, 2017 7:16:46 GMT -6
Good advice peachsmama! These are the things I don't know or think about! I tried to call our bank yesterday, we bank with a small credit union. I sat on hold the first time for over 7 minutes, hung up and called back and sat on hold for over 3 minutes, before hanging up again. I sent them a message online and they responded that they were very busy yesterday morning and would have a loan officer contact me. Really, in all your branches, someone can't answer the phone in 10 minutes or reach out to me the same day? I was less than impressed with the service. The company I've spoken to is one that our VP of sales recently worked with to get their home ReFid and she was really happy with them.
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Post by peachsmama on Aug 25, 2017 7:24:41 GMT -6
Good advice peachsmama ! These are the things I don't know or think about! I tried to call our bank yesterday, we bank with a small credit union. I sat on hold the first time for over 7 minutes, hung up and called back and sat on hold for over 3 minutes, before hanging up again. I sent them a message online and they responded that they were very busy yesterday morning and would have a loan officer contact me. Really, in all your branches, someone can't answer the phone in 10 minutes or reach out to me the same day? I was less than impressed with the service. The company I've spoken to is one that our VP of sales recently worked with to get their home ReFid and she was really happy with them. Thats obnoxious. I switched banks when we bought our first house because I tried to use them for our mortgage and it took TWO weeks for a loan officer to call me. I was boiling. If she loved them, I would give them a shot. My bank sucks for this stuff right now. We are so short staffed and on a hiring freeze. I get quick service because I work here but I'm not recommending them to my brother. My MLO is covering 2 markets which is 25 branches. It's stupid.
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Post by flamingo on Aug 25, 2017 7:36:47 GMT -6
I think your link is wrong... Ha! Thanks. It's fixed now.
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vino
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Post by vino on Aug 25, 2017 7:39:23 GMT -6
Thanks, mwhip! I think I did pretty well in the 6 weeks. Down 12lb and at least 15inches (need to measure again). I'm going to continue on with a less strict diet they recommend in hopes of continuing to lose. I still have a ways to go! This is amazing! Good work!
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sands42
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Post by sands42 on Aug 25, 2017 7:42:19 GMT -6
Live blog: Garth Brooks tickets go on sale in 18 minutes.
I'm afraid I will get terrible seats or not get tickets at all. I'll be back in 20 minutes to update even though nobody cares 😂
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vino
Opal
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Post by vino on Aug 25, 2017 7:44:44 GMT -6
Live blog: Garth Brooks tickets go on sale in 18 minutes. I'm afraid I will get terrible seats or not get tickets at all. I'll be back in 20 minutes to update even though nobody cares 😂 I care. The pressure is real. He did 10 shows in my city! It was insane.
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vino
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Post by vino on Aug 25, 2017 7:46:13 GMT -6
Happy last day of work yummeecookeeI hope you get some answers wedding. Good luck mwhip, hopefully the bank gives you guys some options. Consumer debt has such a drowning feeling.
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vino
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Post by vino on Aug 25, 2017 7:49:18 GMT -6
Hi everyone.
It's been so busy here, having MH home and J gives me exactly 2 seconds to myself during the day.
::checks calendar for when she starts daycare::
We're getting the carpets cleaned this morning so the house is upside down. And we're regretting the carpet we had put in our room so maybe I'll get a quote to change it to hardwood like the rest of the main floor. Good bye $$
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lfig
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Post by lfig on Aug 25, 2017 7:50:36 GMT -6
@yummycookee enjoy your last day! Do you have fun things planned for your week off between jobs? Shopping, pedicures, relaxing? Hope you get some answers today wedding! sands42 I ❤️ Garth! Good luck!
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vino
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Post by vino on Aug 25, 2017 7:51:35 GMT -6
How was the night tgrimes? Thinking about you😘
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vino
Opal
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Post by vino on Aug 25, 2017 7:52:12 GMT -6
snoopmommymom I'm going to need you to check in, thinking of you, I hope everything is ok.
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sands42
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Post by sands42 on Aug 25, 2017 7:52:58 GMT -6
Live blog: Garth Brooks tickets go on sale in 18 minutes. I'm afraid I will get terrible seats or not get tickets at all. I'll be back in 20 minutes to update even though nobody cares 😂 I care. The pressure is real. He did 10 shows in my city! It was insane. I wish he were doing more here. I'd feel less pressure. He's only doing 1 show in Indiana. I've been having anxiety all morning about this.
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lfig
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Post by lfig on Aug 25, 2017 7:53:38 GMT -6
mwhip I hope you get some good options on the refi! I've thought about that too because we have a few projects that need done. But I'm holding out for MH to get a promotion in a few months. It would be a lot more money!! If he doesn't get it then I will look into the refi or home equity line of credit.
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mwhip
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Post by mwhip on Aug 25, 2017 7:54:32 GMT -6
I care. The pressure is real. He did 10 shows in my city! It was insane. I wish he were doing more here. I'd feel less pressure. He's only doing 1 show in Indiana. I've been having anxiety all morning about this. When they originally announced the shows in KC, there were only 2 planned, but due to overwhelming demand, they added 5 more (I think, I didn't go). So I'm sure if the demand is there, they will add shows.
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Post by xolastunicornxo on Aug 25, 2017 7:57:27 GMT -6
@yummmeecookee happy last day of work!! wineallthetime that's awesome. I'm proud of you girl. Enjoy those mimosas and cinnamon rolls! Morning! So, our old house is suppose to close today. We took the kids to say good yesterday. Landon and I both cried and dh even got a little teary. We bought that house a few months before we were married, so lots of memories. A little bittersweet. Anyway, later I was trying to comfort Landon and one thing he was sad about was that the new baby wouldn't be born at the house like al the brothers. So I was trying to tell him that my brother and sister (12 and 14 years older) were not only born in different houses, but indifferent continent since they were born in England. He bought that was really cool and asked if that was the same place Christopher Columbus came from. I said yes and he said, "oh.... so did they come to America on the same boat as him?" I was dying laughing, especially since I always give my brother and sister a hard time about being "old".
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sands42
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Post by sands42 on Aug 25, 2017 8:15:44 GMT -6
LIVE BLOG: They just added two more shows and I got tix to a Friday show! Not close at all but I got them! 🎉
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lfig
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Post by lfig on Aug 25, 2017 8:21:06 GMT -6
LIVE BLOG: They just added two more shows and I got tix to a Friday show! Not close at all but I got them! 🎉 YAY!!!!!
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lfig
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Post by lfig on Aug 25, 2017 8:26:54 GMT -6
This morning I decided to stop for breakfast at the local diner after I dropped S off at day care before I headed into work. While sitting there the screw popped out of my glasses and shot straight up and then fell down in my french toast and syrup! I had to fish it out and then wash it off. Those little buggers are small! It was a miracle that I didn't loose it before I made it home to try to fix it. But once I got home it fell on the dining room floor and now I can't find it! So now I am wearing old glasses and will run to Walmart this evening to see if they have a repair kit.
MH is out of town this weekend so I plan to have a relaxing evening at home where S watches movies on her Kindle and I catch up on the DVR.
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Post by peachsmama on Aug 25, 2017 8:27:03 GMT -6
LIVE BLOG: They just added two more shows and I got tix to a Friday show! Not close at all but I got them! 🎉
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joelies
Sapphire
You must chill
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Post by joelies on Aug 25, 2017 8:32:28 GMT -6
Ladies. Out of nowhere I got a notification today and then my heart ached missing you guys.
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Post by snoopmommymom on Aug 25, 2017 8:33:42 GMT -6
snoopmommymom I'm going to need you to check in, thinking of you, I hope everything is ok. I'm around. I just didn't want to bring down the daily with negativity. Z is sick and never sttn, DH hurt his back so can't help do anything and moans often, I didn't get my dream job and ended up taking the one I didn't want. They raised the salary some but it's still not where I wanted to be money-wise (no retirement, etc) and not what I want to be doing (still in needy schools) but it's close to home. Plus I can't see myself staying home any longer, I need a change. So there is no need for congratulations because it's bittersweet.
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mwhip
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Post by mwhip on Aug 25, 2017 8:45:03 GMT -6
snoopmommymom I'm sorry things aren't great right now. Did you H go to a dr or chiro for his back, or is he just dealing with it and making everyone miserable? Sorry about the job, but hopefully this will work out and you can continue to look for something else.
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mwhip
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Post by mwhip on Aug 25, 2017 8:47:39 GMT -6
I think my H has lost his mind. I get daily Zillow emails and a house popped up, good size, great location, nice amount of land, but holy wallpaper/bad decorating, it needs lots of work. We could probably afford it if we could sell ours for what we think we could, but I don't want to move, with everything we have going on. He asked me if I want to go look at it. Um, no.
He is also talking to other lenders about HELOCs. I told him not to authorize anyone to run our credit until I'm done with the people I'm talking to so it doesn't effect our credit. He mentioned he HELOC to me over a month ago and never did anything...of course yesterday, we both did.
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tallb
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Post by tallb on Aug 25, 2017 8:47:56 GMT -6
snoopmommymom I had been thinking about you too. Sorry everything isn't great right now. Think of this job as a stepping stone to something better, you don't have to be there forever. Hope Z start sleeping...I think my N takes after her, and I'm a walking zombie.
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inthekitty
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My eyes are up here.
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Post by inthekitty on Aug 25, 2017 8:51:35 GMT -6
Way to go wineallthetime! That's awesome. Sorry it's been rough snoopmommymom. Even though it's not the job you were looking for I hope the change of pace helps and it leads to something better. TGIF!!! It's my work party today so I'm leaving for that at noon. I will still have a bunch to do because it's been crazy this week, but I've decided to leave it and have fun. It'll still be there next week. We leave for Oregon tonight to go to the hot air balloon festival this weekend. The balloons go right over my parents' house and the girls love it.
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sands42
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Post by sands42 on Aug 25, 2017 8:58:01 GMT -6
Congrats on your progress wineallthetime!!! Plz tell me your secret to giving up the wine. I can't do it. I hope you guys love your new place xolastunicornxo! Moving is so exciting/sad at the same time. I'm sorry things haven't been working out snoopmommymom... that's tough. I hope things start looking up and that your husbands back issue resolves quickly.
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