Refinancing and hitting the gym: I’m only doing one of them right now

OK, first… I find it odd that my Love posts are getting more… uhhh… love than my rage posts.  I always assumed the political stuff was far more interesting than the mundane details of my personal life.  Yesterday’s post was one of my favorites, but it’s not really getting a lot of traction.  Not that I care, mind you, but I just don’t see what could possibly be interesting about my day.

That said… I haven’t been to the gym in over two weeks, and I have a feeling I’d get winded if I lifted my arms above my head.  My goal is to go tonight, and since it’s only 7pm I may very well do that, but it’s quite alarming how easy it is to make excuses.  It happens most often after my weeks in Minneapolis, the last of which was, you guessed it:  Two weeks ago.  This is a four day week, though, since I had Monday off, so I’m out of excuses.  I have the time, I have the energy, I’m not dying of any rare conditions (that I know of).  I just don’t want to.

But I also don’t want to be fat, and I had a royale cheeseburger tonight with bacon, American cheese, and a fried egg, so I think there’s a couple of miles in my future.

The exciting part of my day (no, really) is that I finally met with Rocco, my mortgage guy, to talk about refinancing the house.  For anyone who doesn’t know, rates are literally ridiculous right now and if you’re in a position to pay closing costs, you can end up saving a truckload of money.  For example:

Many of you know my mortgage is pretty decent.  I live in Ohio, and that’s just one of the benefits of living here.  One of many.  If you want to know the others, ask the tourism board, because it’s the only one that comes to mind right now.  This is a 30 year FHA mortgage, fixed interest of 5.875%, started four years ago this month at what was, back then, a great rate.

Fast forward from February of 2009 to February of 2013.  Suddenly, 5.875% is like the First Premier credit card of mortgages.  It’s astronomical.  How astronomical?  I’m about to pay closing costs on an FHA streamline mortgage of around three grand… then my payments will go up by forty dollars.  Up, you say?  Why would they go up?  Because I’ll be trading my 26 remaining years for a 15 year fixed rate mortgage at 2.875%, saving me something like $35,000.  Yes, really.  For an extra forty bucks a month, I will pay off the house eleven years earlier.

So that’s the exciting part of my day so far.  I’m also working on finalizing details on a pretty exciting little contest for work, and I’ve booked my next jaunt to Minnesota for 4/8 – 4/11.  Oh, and I’m still planning on going to the gym.


If you have a topic you’d like to see me write about on the Rage side of the blog, leave a comment.  I’d love to actually talk about things other people care about, so I’m not just being all weird and talking to myself on those days.  TTFN.