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Ok, I am ready to do this now. It took some thought but I think I got it. This is from Day 2 of fixing my finances from The Simple Dollar. My one year goals are:
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For the mortgage refinance – start doing your homework now. You mentioned the NSF, does that mean late/missed CC payments?
It’s worth pulling a FICO score on you and hubby, and, depending on those numbers, make some minor changes to improve the scores. You may find the choice of a no point/ no closing refinance at a bit higher rate than with the fees. If rates continue to drop, you’ll have lost nothing, and can refinance again in a year or less. I am in my house 12 years, but on my 4th loan. It will be paid in about 7 more years or sooner.
Depending on you income/payments ratio, that car loan may not (or it may) hurt you, you may be better off putting that extra money aside till you figure that out. If it’s a local bank you’ll use, you can sit with the mortgage officer and just ask questions, no application. You’ll walk away knowing more than you did going in, and you’ll have a better game plan. Kudo’s to you on the goal list! Best of luck.
JOE
NSF are the fees charged when insufficient funds are available in the account. Last year we had over $400 worth.
I like it! I would encourage you to keep it up. It sounds like you got some good advice coming your direction and you will be financially more happy as it goes on. Good job!
Also, another goals related site is http://www.43things.com. That site allows you to join with others that are reaching for the same goal and be encouraged with similar minded individuals.
Thanks for the support and I love learning about new websites so I will be visiting 43 things