Looking UP
I have taken no photos lately, so here’s one from a short while ago. Cocoa continues to want to make biscuits and nurse, but much less often. I think she’ll give it up eventually, but I’m honestly surprised she’s been doing it this long! One of her favourite things is when I beat her in the face with her own tail. She thinks it’s the best game ever. I have no idea if she knows it’s her tail she’s biting or not. She’s really social and likes to be very close to the other animals.
Not too long ago, I had the pleasure of hosting a little overnight party with my friends Michelle and Erica. I spun very little and drank very much! We had a great time and I didn’t pull my camera out for ANY of it! I can’t wait to do it again. Shop talk (fibre) is the best talk.
In other news, we’ve refinanced our home. This has been a scary experience since it’s the first time we’ve done it, but we got approved (whew!) at a really low interest rate (woohoo!). This is our first house and we were already in over our heads when we bought it…becoming homeowners is hard work! Over the past five years emergency expenses almost ruined us (mould in the basement – gone now. Carpenter ants in the office – gone now. Income tax snafu – unsnaffed…I could go on), but we managed to maintain our credit rating through it all, and we’re actually coming out of this, dare I say it? In the black. I think the next five years are going to be great and bring a lot of changes about for us.
I may even be able to save up some dough to attend Rhinebeck this fall! I’ve never been and I’ve wanted to go for years, but it’s never been in the budget. This fall I want to make that happen.
6 responses so far
great news! i have no idea how to refinance, or when would be the best time. i guess when the mortgage is up? anyway, great to hear the financial things are in the black and life is in the yellow
love love love cocoa’s colours. i want her to make biscuits on my tummy!
Well, then, come over for Cocoa and biscuits!
You may refinance anytime (per the terms of your mortgage), but there’s usually a penalty for refinancing before your term is up. Our 5 years is up in the middle of June, and we had between April 9th and July 9 to do it. We decided to refinance now and pay the penalty, because interest is kickass right now and we figured we’d get more return for our money by financing a bit early, even though we had to pay the penalty. The penalty is a lot of money, but in comparison to how much we’ll save by locking in the interest rate that we did, will more than make up for that.
How many years in your house? If interest now is significantly lower than when you bought it, you might want to look into it, and lower your monthly mortgage payment (or, alternatively, you could keep your mortgage payments the same, which would increase the amount of capital you’re paying back – a lower interest rate lowers your cost of borrowing. Check it out.
Yay!! Fiber weekend was so much fun!
Yay for being in the black! And if you ever need a roomie for Rhinebeck, just say the word, sistah!
Pfft, drinking and fiber-ing without me.
Yay!Good to read things are going good.