Mixed Emotions

Tonight I've got a super nice lady coming over to my house. She's going to be bringing a huge stack of paperwork - and I'll have to initial or sign EVERY page.

Yes, that's right folks...I'm re-financing my home.

On one hand, I feel like it's a smart thing to do in the short term. My payment will decrease to the tune of my cell phone bill and my cable bill. And that's so very great. It means more money for beer saving up for a unicorn. Alright, I'll really just be paying more on the principle of the loan. See? I AM smart and responsible sometimes. :)

On the other hand, I am a little leery of what that means. After all, I have to be paying on my house for another 30 months before I "make back" what the costs associated with the closing. 30 months. A lot can (hopefully) change in 30 months. I mean, 3 years from now, I'll be knocking on the door of 35. And I'm not even going to get into the health reasons why having a kid before 35 is better for the mom (aka me). So if I want to get a move on (and get my groove on) and hopefully be married/having kids by then, re-financing may not have been the smartest choice. UNLESS I marry a guy who already has a house. Because then we could rent out my super tiny closet-like space quaint row home and then it would be super great investment.

My lack of being able to see into the future has me a little anxious...but I need to remember that things have seemed to work out before - and this decision may be no exception. :)