I am losing my mind!!!!  thankfully the BGE thing is somewhat better, for 11 months at least.   but today we got a notice that our ARM(adjustable rate mortgage) is going to screw us…so we refinanced from an FHA to a conventional ARM in June 2002, or rather DEAN refinanced HIS mortgage,(yes I’m still bitter that both times Dean was convinced it was easier not to put his wife on the mortgage) that was a mess, the refinance went horribly!!   so….the first 2 years the rate was fixed, but…as the paper so clearly reminded us, the rate will change starting now and then every freaking 6 months!! so our mortgage goes up by an additional $220 starting August!!   so new BGE payments, new mortgage, our property taxes go  up in July, we havent seen that new bill yet, I dont want to!!!    so the rate on the letter today is not even factoring in the new property taxes since that will effect our escrow, guess it’s good our homeowners insurance went down some due to not filing a claim since we’ve had it.   I need a job I suppose.  We are going to see if we can refinance again and get a fixed rate at least lower than the new rate, which get this is 10.37 %, that’s the freaking rate on the mortgage starting July 1st.   that’s a ton!!!   Since getting this house in 2002, our mortgage payment has gone up and up…..I cant stand it!!   I can see why people go into debt or live in poverty….seriously…this is going to take a huge toll on us…raised gas prices, raised BGE prices, raised mortgage, raised property taxes, what’s next raised taxes on the food we eat??what’s left??   more diapers…more wipes.. this was the worst time for all of this to happen to us….I’d go to work but then I’d have to pay a sitter to watch 3 kids….looks like I”ll be getting a part time weekend/evening job or Dean will work his more often.   BAHHHHH!!!  I needed MORE stres in my life right now…..