Oct 27, 2012

Some Things Go As Planned and Some Just Don't!

So much for being all excited about refinancing last week. Everything was set to go and I had an appointment for the Notary to come to my house on Friday at 4:00 p.m. to sign all of the paperwork and then I get a call at 1:30 p.m. It was not good news. I have to postpone the closing until mid November due to some weird FHA rules that would end up costing me an extra month of interest charges from my current lender. Apparently, the lender must collect 30 days worth of interest and my title would not record until November 2nd which throws me into another month.

I had the choice to pay the additional $1500 of interest charges to close right away or I could hold postpone it until mid November and avoid paying the additional money. No brainer, right? So now I have to make my November payment and the new closing date will be in mid-November. I will end up not having to make a mortgage payment in December versus November so it is going to come out about the same. I also have to take the cashier's check back to the bank since the closing costs will not be the same amount next month. I feel like I wasted a big part of my Friday but life could be worse! On a positive note, my new monthly payment is going to be $468 lower which is much better than I thought. I was thinking I would save around $300-325 a month so that is BIG plus. All I know is that I will so glad when this all said and done!

The remainder of my Friday was spent running errands, bathing dogs, doing laundry and eating my favorite salad BBQ Chicken Salad from CPK.  I bought a full size salad to eat for lunch and dinner! I think I earned it after stressing myself out on over this whole refinancing dilemma. This salad is my favorite and I also love the fat free balsamic vinagrette dressing.
I also planned on running on this morning and I was hoping to get at least 6 miles in since I had only put in 2 miles earlier in the week. I have also been thinking about changing back to Mizunos. As much as I love my Nike's I am wondering if they are part of my problem. They just don't feel as comfortable anymore so I ended up buying another pair of Mizunos. I have ran in Mizunos before so they are not new to my feet but I didn't want to put too many miles on them for the initial run. 
My run did go as planned! I ran 6.30 miles in my Mizunos at a 9:30 pace. It was slower than I would have wanted it to be but that was the comfortable pace. My feet felt much better in the Mizunos so I might switch back to them for a while. Slower paced runs are going to have to work for now because the shin pain is still there.  I think it's better but it's definitely a problem and affects my ability to run the pace and distance that I would like to.

Today we are going Halloween costume shopping for my son. I am not sure what he is going to dress up as but he always wants some crazy scary costume. I also have to get busy making my costume for work this week. I saw this cute idea on the Internet and I hope that nobody shows up dressed in the same costume!

Do your kids dress up for Halloween? What are they going to be this year? 
My son goes to a private school and they do not allow the students to dress up.  They have a fall festival instead which is more like a carnival with games and food. He does dress up at home and we take him out trick or treating in our neighborhood.

Does your employer celebrate Halloween and encourage you to dress up?
We fund raise for a charity every year and have a lunch with raffles.  They do give away prizes for the best costumes so I am hoping to grab a prize this year!

12 comments:

  1. I'm sorry the refinancing is still being dragged out. Ugh. With that kind of thing (kind of like bad long runs), you just have to keep plowing ahead.

    My kids' school (a public charter school) doesn't allow costumes on Halloween either but we also have a fall festival. It was Friday night and really fun. My kids are being Luke Skywalker (daughter) and Han Solo (son).

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    1. My son ended up getting a scary mask of some kind. I will be so glad when the re-fi is done so I can start thinking about the holidays.

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  2. Nice job on your run!

    Sorry about your refinancing but it seems you took the better end of the deal! It will all work out in the end!

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    1. Thanks Missy. I definitely took the smart road but just want it to be done! I want the lower payment and I want to be cleared so I start my Christmas shopping without them watching what I spend!

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  3. Hope you have the house stuff all squared away now, what a drag, but how nice is all the money you are going to be saving every month..YAY!

    My son is going to be a knight in shining armor and my daughter a cowgirl princess. So fun!

    Glad you had a good run!

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    1. Very cute costumes for the kids! I wish my son would pick a cute costume! He always wants to be something scary and bloody and I don't even let him watch those kinds of movies! I am looking forward to the monthly savings! I promise to save it!

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  4. Sorry to hear about the refinancing. That stuff is exhausting and nice to get taken care of so you don't have to think about it anymore. Good luck!

    Don't be too stressed with your shin. If it is anything like mine, it will get better with time while running, as long as you really work on it everyday!! Foam roll, massage, stretch! Unfortunately I'm dealing with a new ache (ever had hip IT trouble?), but thankfully my shin problem is lessening, and I hope that is the case with yours too!! It's so frustrating to hurt while doing what we love...RUN!! :]

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    1. Thank you for always giving me hope about my shin. I am working it every single day because I want to run again without pain. It has actually started feeling better this week but I hate to get my hopes up high and then it returns. I have had IT band issues in the past but with stretching and rest they went away and did not return. I really want to get back to running like I was in the past and I am falling behind on my marathon training as well so hopefully I will catch a break.

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  5. i'm such a planner it definitely bugs me when things don't go as planned because I've put in all that effort! But in truth I usually find that it happened that way for a good reason later...ahh patience :)

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    1. I think part of my problem is that I am a also a big planner and want everything to go as planned! Patience is exactly right! That is one trait that I can never teach myself to have enough of!!!

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  6. My employer tried costume + hall decorating contests for a couple of years, but it never went over very well. So we're back to events like holiday bake sales and chili-cookoffs.

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    1. I would love to have a chili cook-off! We do the holiday bake sales, and other things like that as well. I think my favorite days are when we just have casual days and we can wear jeans and be comfy! Take Care Beth.

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