Well, today I made a special trip to the bank.  The term on my mortgage is almost up, so I needed to make a trip to get some things sorted out.

First of all, I needed to do a home refinance.  With my term coming up and the interest rates lower than they were when I bought my home, refinancing my home would let me take advantage of these developments.  It would save me a little bit each month, and what I did save, I could pay down on the mortgage and get out of debt faster.

I also wanted to get a home equity loan to pay for the renovation of our kitchen.  With the linoleum peeling and the sink leaking we need to do something.  We just don’t have the money on hand to pay for the renovations - so a loan will have to do.

We will hear in a few days whether we get everything we ask for or not.  Until then, we will be forced to window shop at home hardware stores.  I can’t wait till we do the real thing.