Still Waiting

Posted on Thursday 19 August 2010

Creative Commons License photo credit: marlambie

Well, we’re still waiting to hear from PenFed in regard to our closing date for the refi.  We spent a wonderful weekend in South Beach with my family and managed not to break the bank.  Which is good because not one, but both of the cupholders in my car broke.  Our new mechanic wants $100+ to fix each one!  No thanks.  I found the parts online for ~$45/each so this will be another DIY job.  Thank goodness we’re very handy.  We’ve saved big bucks over the years by doing things ourselves. 

Our last project was building a riser so we could have ‘stadium seating’ in our basement.  A few hundred dollars of supplies and now the basement looks fabulous.  The next project may be a wet bar for the basement but I suspect we’ll wait a few months before starting.  Mr. Savvy had to purchase two new tires for his bike and we need to start thinking about buying plane tickets to visit his parents for Thanksgiving.  So for now, I think we’ll stick to no- to low-cost improvements.  I need to paint part of our master bathroom.  We already have the paint and supplies from painting the main floor bathroom.  My plan is to do it this weekend but we’ll see.

savvy @ 10:36 AM
Filed under: General Finances
After Much Ado

Posted on Wednesday 11 August 2010

We’re finally nearing the end of the refi process.  The appraiser revised the appraisal upwards to reflect the features they’d left out.  However, we were approved for $2K less than we wanted.  It’s a great interest rate so we’re going to go through with it.  I believe PenFed has everything they need so now we’re just waiting for the closing date.  The process hasn’t been hard but there’s been a lot of back and forth as well as waiting which wasn’t totally unexpected.

Meanwhile, it seems like we’ve been hemorrhaging money lately.  We attended an out of town wedding for one of my best friends last month.  However, that meant airfare, hotel, wedding gift and miscellaneous expenses.  We’ve also had to get at least two other wedding gifts and two baby gifts with even more to come by the end of the year.  Mr. Savvy just finished constructing a riser for ‘stadium seating’ in our basement which cost us several hundred dollars in supplies.  Not to mention, we’re heading out of town to help my cousins celebrate their birthdays.

We got rid of our beater pickup because it wouldn’t pass the emissions test and Mr. Savvy doesn’t want to spend anymore money on it, rightfully so.    That means we need to start saving for another truck.  I want to find something reliable for around $3K but Mr. Savvy says that isn’t realistic.  I guess time will tell.  Stay tuned for the next episode of ‘ How the Finances Turn’.  LOL.

savvy @ 8:37 PM
Filed under: General Finances