Entry 14 - March 25, 2009
Refinancing Our Dreams
The past few weeks have been dedicated to the pursuit of a better monthly payment. Ah, the economy and single-income-hood!
With our two incomes, the dire straits of our nations' economy might not have phased us. But living on just my husband's income means that the news and stock reports definitely affect how we approach our finances. Based upon everything that is going on, we decided to refinance from the ARM we still have 18 months left on, to a more stable 30 year fixed loan. Fortunately, due to the record-low rates right now, we are able to get our fixed mortgage for just a quarter of a percent higher than our ARM. The difficult part remained cleaning our house for the appraisal. Mike and I are pack-rats, so we had a few months worth of crowded closets that needed reorganization. And, of course, just the basic cleaning that I would do if anyone was coming into our home. I spent most of the weekend cleaning and sorting, and we have enough stuff from all of my efforts to have a garage sale next weekend. The profits of our sale will go to Will's college fund. Not that we are expecting much, mind you, but any penny counts!
In "Will News," he has become so much more grabby this week. If anything comes in the radius of his curious hands, it is going straight into the mouth. I have to be more mindful than ever before. Yesterday, after we came home from running some errands, I set him and my keys down in his playroom, only to have him find my car keys with great delight I managed to quickly divert his attentions and get the keys back into my possession, but it made me realize how quick he is!
Sleeping continues to be a challenge. Despite a well-orchestrated bedtime routine, Will seems to wake up at least a couple of times a night. He will go down without a hitch and sleep through several sleep cycles, but needs just a bit of assistance getting back to sleep at least once a night. I try not to let it bother me and just roll with the punches, but the older he gets, the more it bothers me that he is not sleeping through. I try to remind myself that each baby is different, but what I wouldn't give for a solid night of sleep!
As I type this, Will and his Dadda are having some special time together. It warms my heart to see and hear them interact. I get so much time with Will and Mike's time is so limited. I love hearing them play together and I know that their laughter and love for each other is only going to grow as time goes on. I was talking to my mom today and she warned me that dads can sometimes get impatient because they aren't usually around for the day to day, but the rewards of those positive moments together are so very worth it. I know that, so far, Mike is a great dad and I love to hear our son play with him. Of course, it is also almost bedtime, of which I play a huge role, so I have to run. I hope you are all having a great week!