There have been some changes recently in the way we will move forward. Some things are not important but there are a couple that are worth mentioning.
The first is that we signed all the documents this AM for the refinance on our mortgage. We were able to get favorable terms that reduced the interest rate by 3/4%. That is actually a nice reduction in our mortgage payment that helps with our new budget and the planned lifestyle without all the traveling. We also get to skip the mortgage payment for January as a result of the new loan which sure helps with the expenses over the Christmas season.
The second item is not such good news and kind of negates some of the impact of the first item. Already, we are committed to an expense that was not planned. Based on a termite inspection this morning, we will have to have a treatment that will cost us $725 and will take place in January. As you may recall, we returned home from our summer travels to see some "tubes" hanging from our family room ceiling. Suspecting that there were termites that produced them, we had our inspection today to confirm the news. So, we will have a treatment performed on January 16 to rid the creatures forever. We take the bad news along with the good news and move on.
We mailed our Christmas package to Naperville this AM and the Guido's will receive it on Saturday, the 21st - in time for Christmas. It's time now to really get into the Christmas spirit and we look forward to that...
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