30 more years

Last night the husband and I refinance our house.

I feel good about it.
It was the right time for it.
And I didn't cry once.

I'm a cryer when it comes to money issues. I cried when we were talking to loan officer about getting into our house, I cried when we talked to a salesman about our Jetta. But I didn't cry when taking to the refinance people. They made it so easy for us. I understood what they were talking about. I felt they cared enough to make us understand instead of throw numbers at us and tell us what we needed. With the debt that we consolidated, the $11,000 cash out that we needed and all the closing costs; we are saving over $500 a month. That totally rocks.

The $11,000 is to begin the invetro process. Before it was always something that we just talked about. But come Friday we'll actually have the money! It's really exciting and it's really scary! The husband still isn't 100% sure that we are going to do this. He's still hoping that the insemination works. But since this was suppose to be the month we tried insemination and I DIDN'T ovulate our chances aren't looking too good. Next month we'll try it with Chlomid and I really do hope it works. I'd much rather pay $500 for insemination then $20,000 for invetro. But with the doctors odds it's hard to feel hopeful.

The future is looking better for us and hopefully we'll have a kid (or two) in the next year.