1) Chapter 13 Bankruptcy balance is now $15,774.00 scheduled for 30.45 payments @ $518.00.
2) We are currently refinancing our mortgage and locked in at 4.875% for 20 yrs. until 9-13-13 (saving 2% on current rate) and all the paper work should be done well before then. (Pinch me, I still cannot believe this). All we have to do is send all the documents to the Bankruptcy lawyer once they are signed and he will present them to the judge. We will be saving $46 a month, which I may have to send to the court. if so, I will continue to make the same payment that I am payint presently.
3) DH is rocking numbers at his job. He may advance in his job next year if all goes as planned. We'll see. Either way I am going part time next year with a job closer to home. I'd love to stay home full time and he would like that too. But time will tell. I still would like to kick most of this mortgage to the curb. With his bonsus we might be able to do this sooner than later.
LIFE IS GOOD! I cannot believe that February 24, 2014 is coming so quickly.