instant replay

image credit: nathaniel welch

so i found myself in a financial dilemna today. i say that rather obtusely, because i had seen an issue coming for a month or so at least. i just sort of let it happen, though. just like i was watching a train wreck happen. i felt frozen and didn't do anything to change it.

my expenses have been outnumbering my cash flow. although it doesn't seem as if i've been living on credit, i haven't been paying off much debt either. i've been slowly sinking.

so i had to call around to try to refi my house. i think i found something. i just need to get an appraisal, which i kinda wanna have done anyway. i'm hoping i can wrap my vehicle loan and a coupla cards in the loan so i will only have 1 payment. this would be joyous and probably save me a few hundred dollars a month. it depends on the appraisal really. it's a good thing i am blessed with a townhouse. it is offering me some flexibility.

but believe me, this a vantage point that took some jockeying to reach. i was very panicked earlier this week. i was angry, i was projecting onto my job, my life... and then i remembered steps 10 and 11. and i have come back to earth and rekindled my belief that i will be taken care of.

i hope i get a little more buck-in-pocket. have a disco biscuit on me, dolls...