Christmas is almost here. I've still got a couple presents to get and find some boxes for a couple others. Luckily this year I didn't really have to do much present buying.
Finally finished the process of refinancing my house. It was a horrible experience & I plan on letting the bank know. I lowered my interest rate by over a percent & lowered my payment over $100 a month. I'm happy I did it, but it was a nightmare with the bank & title company.
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