What a week

Today is only Wednesday.  I feel like it's stuck on Monday.  Althought Monday was a decent day.  Tuesday however started off bad and only got progressivly worse.  First, I was late for work.  Not my fault there was an accident and the back up went on for miles and miles.  I sat in a giant interstate parking lot for 2 hours as I played inch worm to my exit.  Then I got to work and throuughout the day our boss would send out e-mails yelling at us and making idle threats.  I dunno if it was her time of thee month but it didn't sit too well with me.  My job is still fine and all of the feedback I get is positive, which makes me wonder if I am in Utopia.  Not that I want negative feedback.  Oh, we have more missing equipment that I am searching for.  I really am starting to wonder who isn't doing their job.  Either it's the guy who takes care of the inventory or it was the guy who was here before me.  I would like to do a full inventory to clear the air, but I have to get approval for that and then she would expect me to do it during my non-phone time.  I would actually prefer after hours because it would impact people less and not to mention the process would go a whole lot quicker.  I've got 2 floors I figure about an hour per floor doing it all by myself.  Right now I'm not going to ask but if I keep seeing the same pattern then I will speak up.

Monday night I made a phone call that I believe will change my life for the better.  I called a Mortgage Lender and they did a quote over the phone.  They can save me $600 per month from my present house payment.  That is doing a FHA Streamline Refinance and extending the term from 15 years to 30, not to mention the interest rate is lower.  They say we can close by the 1st of the month and I can skip 2 payments so my 1st payment would be due in December.  That would be awesome.  I gave them my credit score from Credit Karma and it was slightly lower than what was showing.  However, each bureau is different.  The guy I talked with didn't account for the 2 months that I was unemployed but I spelled that out in a letter last night.  I've been consistent with making payments and have never been late.  That right there is what they are looking for.  The fact my Bankruptcy was 2 years ago doesn't matter.  I am beyond nervous about this thinking of all of the what if's and things that could go wrong.  However, this is something that I have been trying to make happen for a very long time.  I need it to come together and the sooner the better.  The place is going down hill from an appearance perspective both inside and outside but I am trying to do what I can.  There is no inspection or appraisal needed, so they won't know about the roof or the bathroom that needs to be finished.  However, they do require that the closing be done in my home to prove that I actually live there.  I mean the address is on file with the credit bureaus, it's on my drivers license, etc.  Okay come on by, just means that I will have to do some cleaning to make it some what more presentable than it is.  Running a house all by yourself can be a full time job.  There just doesn't seem to be enough money or time.  I will be calling Lawn Boy to trim the bushes, it really looks like a forest.  Hopefully he can get to it quickly.  There are no closing costs, well there are but they are hidden and built into the loan.  I will have to come up with a few hundred dollars to fund the new escrow account but outside of that there shouldn't be any extra money that I have to spend.

I have taken my iPad to work and am composing this at my desk on my lunch hour.  There is no fancy font or colors, but it gets the word out.  I actually enjoy having this here I am able to listen to Pandora while I work.  I probably could do that from my work machine but some places get concerned with bandwith usage.  This way I am on a guest network and its a completly different circuit.  So no harm, no foul.  Just as long as no one takes it I think I will be fine.

I had a very disturbing dream the other night.  I was talking to a freind of mine who decided to cut me off years ago.  I've been trying to figure out why but he won't talk to me.  I was telling him that I was gay and trying to justify it to him.  It was not a plesant situation.  Then I woke up.  I thought about sending him a letter and just coming out with it but I figured why waste my time.  I believe he stopped talking to me because of my sexuality and that is something beyond my control.  I never made any advances towards him.  However, I really wanted to.

Oh I got my expense money.  I decided to bank it instead of giving it to the credit card company.  Probably not a smart move but with some additional expenses in the works, I figure it seems much more of a sound movement.  I do plan on parting with some of it and giving it to them but that won't be until next month.  I am going to let them actually charge me interest.  I know I'm crazy but there is just something about having money in the bank that brings comfort to me.  

Tomorrow we have a Team Meeting and its taking place via Video Conference.  My boss has purchased lunch for everyone.  I got to pick from a menu this morning.  Looking forward to eating a Chicken Salad Sandwich.  I'm hungry just thinking about it and I just finished lunch.

Okay well I'm posting this because its about time to return to work.  Oh I got my $200 from AT&T for the old phone as well.  The catch there is you have to spend the $200 with AT&T so they have you locked in.  The money is on a Visa card but won't work outside of AT&T.  I can use it to pay my bill so what the heck, it's savings no matter how you look at it.  

Hope all is well in your world.  Talk with you peeps later.