we had closing on our refinance today.   I was hopeful as the process so far had gone well and we were more informed…but, we still feel like we got screwed.  We showed up and found out it was going to cost us an add’l $800.  we’re debating not going through with it.  We signed the papers but we have 3 days to change our minds.  I’m upset, frustrated that this happened, again.   It really was the loan officer’s fault, we did our best to make sure things would go the  way they should today but their mistake is making us rethink the whole thing.  if we didnt need the cash that we were going to get back then we wouldnt hesitate to not go through with it.  But the sad part is we do, we were banking on this month.  I cant believe we let this happen again.  We should have just dealt w/ the higher ARM rate and higher monthly payment until we were able to sell the house and move.   I’m still thinking that might be a better idea than finishing this deal.

In other news it’s just been a crappy day.   I had a drs appt, showed up and was told I owed $150 in copayments so couldnt be seen without paying.  Needless to say I dont have $150 today, and only went knowing I wouldnt have a copay to pay.    Did I mention I got a letter a few weeks ago saying I’d paid the highest allowable amt.  so I dont have to pay copays anymore for any of my drs visits for the rest of the year.  Too bad it doesnt cover those old appts.  it’s their own fault for not collecting it at those visits, I had no idea to know I owed them til months later when I got the bill.     So I wasted gas going there, they could have called and told me to expect that or at least told me when I made the appointment.

I’m grouchy, tired and there’s tons of stuff to get done since the realtor is coming tomorrow evening to talk with us about our options.   I just want to go to bed…it wont happen for hours and hours, there’s just too much to be done.  Dean was home all day and the house looks like crap, that happens when I leave him home alone with the kids.   I left him to go to the appt, that didnt happen so I went to the store, the drycleaner and then came home and cut the grass and cleaned up the outside so it’s got some more “curb appeal!”  So he stayed inside w/ the kids since he’s been having really bad back pain since yesterday.   Now I have all the stuff to do that was on my list when I thought Dean would be up to helping out today.   I hate days like today.   it’s just another manic monday….