I really need to refinance my house. I have absolutely no money to make any repairs to my house. I make an extra mortgage payment a year, which has really bought down my balance. I also have a second loan on said mortgage. I will have to wait and see, come March 2010, how much my mortgage balance is so that I can refinance. With my current balance and my second loan, it takes it over the original amount I bought the house for.
In the meantime, I have to make some changes so that I can mentally stand living here. I want to rip up the carpets on the second floor and get new carpeting. The floors need too much repair and would cost too much for me to consider leaving the wood bare.
So I decided to paint the exposed floors brown to take away all the paint spatters. It’s working. I can mentally feel myself calming down.