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Pizza Picnic and Financial Finagling

June 7th, 2018 at 09:46 pm

The boys and I had a pizza picnic today. DIL reimbursed me for that, and for the haircut a few days ago. We set up Zelle to make it easier.

I signed up for another mystery shop next week. Ironically, it's at the same comic book shop where I spent so much time on Tuesday, waiting for the boys to decide on how to spend their gift certificate. I feel like I already know the employees!

I made plans with BFF for a weekend visit (here) next weekend.

Tomorrow I'm planning on getting a haircut.

I may go visit my credit union to see if I can get a lower mortgage payment. My balance is low enough to switch to an equity line of credit -- which I was planning to do when the ARM ran out. It runs out next summer, but if I could get a lower payment by switching now, I'll do it.

My Cap One deposit of $407 appeared in my checking account today. One consolidation done. I'm also planning to close my Chase account as soon as the last College payment is deposited on the 15th. It has served its purpose -- to pocket the College money and to fund my new car. I'll move the remains to my BOA account and my credit union.

I'll be glad to get past next month, when all the remaining car expenses will hit the credit cards. After that, it should be smooth sailing, barring any new big expenses!

Posted in Uncategorized | 5 Comments »

5 Responses to “Pizza Picnic and Financial Finagling”

  1. My English Castle Says:
    June 8th, 2018 at 02:13 am 1528423989
    1528423989

    It would be great to reduce your mortgage payment!

  2. Bluebird Says:
    June 8th, 2018 at 03:31 am 1528428691
    1528428691

    Hi CB, an equity line of credit may have a lower interest rate initially, but they are usually an adjustable rate with a cap. The cap could well exceed your current interest rate in the future. And interest rates are going up. Can you refinance with a fixed rate?

  3. CB in the City Says:
    June 8th, 2018 at 01:02 pm 1528462957
    1528462957

    I thought there was such a thing as a fixed-rate home equity line of credit. That's what I'll find out when I talk to a loan officer.

  4. Bluebird Says:
    June 8th, 2018 at 01:52 pm 1528465942
    1528465942

    Yes, that is a home equity loan, fixed rate and fixed monthly payments.

  5. rob62521 Says:
    June 8th, 2018 at 03:14 pm 1528470844
    1528470844

    Sure hope you can lower your mortgage payment. Sounds like you have gotten some good things funded and have organized things well. Funny about the mystery shop at the comic store.

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