The joy of spending...

Time is money. So is money...

It may sound weird, but with the bad economy interest rates took a steep plunge.

Since my wife and I needed some work on the house (heating and air conditioning, the AC died completely last fall), we decided to refinance at a low rate and take money out to do stuff.

This works because you basically reset the 30 years (or whatever period you had) of your mortage back to 0. With a lower interest rate and a lower principle, you get a lower monthly payment. If you do it right...

So, HVAC has been installed. And since (my wife claims) we aren't going to do this again anytime soon (I want to say 20 years...), we're doing a lot of projects around the house. Some electrical work. New driveway. Refinish floors. New furniture. Plumbing improvements. More.

This is a lot of stuff. And some of it (like floors and furniture) means that we have to have EVERYTHING out of the room(s). So, we're about half moving out of the house to do this. Much fun.

And I don't even want to start thinking about what we have to do with the cats when they need to start working on the floors...