I hate dealing with money, esp. when we have none!!!   our options currently are sell the house…but we coudlnt afford to buy another in this area, so if we sell we are seriously considering moving back to Ohio, ironically as I sat reading the letter about the new mortgage payment, Dean was getting ready to find out that his company is opening a new office in cincinnati, minutes from where he used to work when we lived there.   jobs there start the end of October but he’s not sure they’d have  job for him there yet.  If we stay, we’d have to refinance and pray we get a better rate.  if not serious pinching and scraping to pay the mortgage.  When we moved here, Dean had heard rumor of a job opening in DC through his company, he got a phone call about getting the job while i was in labor w/ Caleb.   we moved when Caleb was just a month old.   Here we are, almost 5 years later, contemplating what’s next for us.  we beleive God allowed us to move here for a reason, but the timing of all of this and needing to make these big decisions to me is something we cant ignore, we seriously need to find out what we want and what God wants from us at this season in our life.   for months I’ve been saying we need to think about selling the house and need be living off the profits while living in an apt so we arent tied down to a mortgage, so we could consider the possibility of moving to do some sort of ministry.   so for months I’ve been thinking of what would need to happen to sell the house, here we are faced with the decisions, it’s sell or refinance, or refi now and sell shortly after.   I dont believe I’ve been thinking about this for long and now it’s staring at us and we have to choose what is best for us and the kids, and it’s all about the money.   freaking money….it’s not whether we like the house and dont think it’s worth paying the extra money each month, it’s that theres not the extra money each month to pay all the new expenses.    thanks for letting me think out loud per se….any advice, ideas???  anyone got a million dollars to give us?  to all my local friends, we’d be more than happy to stay, feel free to bribe us with money to get us to!  😉