Today was one of the best days I have had in a LONG time. Due to the "awesome" recession that is affecting so many of us, times have been a little tight in our cute little bungalow. However, politics aside, my boy Barack and the government, put out a Mortgage Modification for qualifying folks like us. Due to some job changes and changes in income, we qualified for this AWESOME gift. Our mortgage rate was dropped from the ridiculously high percentage down 5% to just 2%. It didn't change our loan amount, or amortization, so the savings is just interest alone! This saves us so much money that in the 27 years left we have on our mortgage we will have saved just over $129,000 that is six figures my friends. On interest alone! Praise God! I am so super thankful for this! I am sharing this with you because I vowed to tell you about all the ways we are saving this year in my quest for smaller is better. :o) So, if you are upside down in your house, and have a change in your situation (even adding to your family can qualify you) then look into it! HOWEVER, there are so many scams out there. This is done with your Mortgage company or bank, so don't get tricked! Man, it feels so good, to know that I can make a call and change things! Life is good for the Heidsta and fam right now.
All that to say, that the hubs and I have been praying about the finances and consulted one of my best friends, who gets it with the finances too, and she gave me the best advice, to tithe my 10% even if it feels that will break the bank and the Lord will bless us. Well, we did and He certainly has! Thanks Kathleen for being there, being faithful to the Lord and helping us with our situation, by sharing your knowledge! I am getting skinny in debt and in weight!
Today I have eaten pretty well, one of my dearest friends, Heather had me over for a play date (Hava's best friend Sadie). Heather made the most tasty healthy chili I have ever had! It was a good chat time too! I don't know what I would do in this world without my best friends. Heather and I have been friends our entire life as moms, it is an amazing and enduring relationship, I am blessed!
Speaking of, my best friend that I met at Washington State University (Go Cougs) is coming tomorrow. I can hardly stand it! I wish I could wake up and see her standing at my door. I can't wait to hug her! We don't see each other enough. So I am going to soak every second that I can with her! So if I don't blog regularly over the next few days...you know why!
I am just two pounds away from a HUGE milestone. I can hardly wait. My belly is looking a bit flatter and I can see that my waist is in there too someplace. I can't wait to be fabulous, well I kind of already think I am a bit fabulous, so I can't wait to be even more fabulous!
Have a great weekend!