Financial Quicksand

For the last few months I’ve been struggling to pull the purse strings tightly together.  I’m about to have another round of what else can I do without.

In the meantime, I began the desperate process of applying to refinance my home; my property taxes have consistently gone up in the three years that I’ve been living there.  I’m now paying $350 – $400 more than what the previous homeowner paid the year I moved in.  Let’s just say that $1900+ a year is not fun to come up with even when it’s divided up into 12 payments and added to my escrow.  The $172 Private Mortgage Insurance (PMI) that the broker told me I’d only be paying for a year — yeah, he saw a naive sucker coming — really bites, and to be honest, I cannot figure out how Chase calculates the escrow.  Even if I were to write a check for $600 at the beginning of the year, it would not reduce my mortgage bills by $50 each month.  Forget trying to discuss the logic of that with them.  Bank people do not live in a world that operates with the same numeric logic that the rest of us do, I have learned over the last year or so.  Bank math logic is mysterious and mystical.  I really thought I understood accounting when I took it in college but apparently they teach all of the magic spells that go with it in the non-Freshman classes. read more

Wearing Your Pajama Bottoms In Public — You Know You Do It

Do you remember the moment it became “o.k.” for you personally to wear your pajama bottoms to somewhere outside of your house as an adult?  You know what I’m talking about, right?  For the longest time you were appalled by all of those freaks going to the Wal-mart and the grocery store in their pajama bottoms, but then there was that one time…that one time when you just needed to run out of the house real quick…and no one would know…it was just going to be that once and it wasn’t like you were one of those freaks doing it all of the time… read more