I can't believe how long it's taking for some of the credit cards to rcv and apply my payments. Frustrating. 

I did finally make it to the credit union to pay off a loan. I also took 10K out of our savings account there, and moved it to another credit union we bank (er, save) with. We have been with the original CU for 25 years. And they are making it harder and harder to access my money. Need to call ahead to take out more than $1k. They are closed on Saturdays now. It's 20 miles away, found out the closeure the hard way. LOL. I made 8 cents a month on intrest with a 10K+ balance... and yet, at my new CU, I have a $2600 balance I also made 8 cents on. The math isn't mathing for me anymore, so we are going to close that account. Of course, they allowed me to w/d the 10K (cashiers check), but won't let me close the account. Because joint means nothing. So, I'll let the husband update his auto-savings and then close that sucker out. 

The theme for 2022 is LESS IS MORE. Less accounts (but more money is good!). 

P.S. Spell check or auto correcter is not being my friend today. Sorry for any mistakes.

...

Don't send off checks to pay off your debt (by way of snowballs or refi) on a FRIDAY evening, before a Federal Holiday on the following Monday. You will DIE of anticipation. I swear it. 🤪

I mentioned in my last post that several of the payments stayed local here in the Phoenix area. I've been refreshing my apps all day. AND ONE FINALLY HIT! Yay to Capital One!!! I closed the card over the weekend, I will have to make a $20 payment online, but by the end of that day, that one is a GONER!

My parents treated us to dinner last night, to celebrate Father's Day. We went to Longhorn's Steakhouse, and the food was good and the service excellent. It was nice, it being just the four of us. My parents had us at a young age, mom was 16 with my brother and 19 with me. When you're 45, someone 19 years older isn't that much older. LOL. It's nice having such a great friend. 

[[ tried to insert a pic from last night, but SA isn't letting me. i'll try again later.]]

In other news, all creditor checks have been mailed... I only have one left to drop off, to the credit union. Wasn't able to get there yesterday, and it won't be open again until Tuesday. The payment isn't due until July 15, so as long as I can get away soon, there are no problems. The CU is about 20 miles away, so not a fast drive. 

I think it's going to take a few weeks for everything to figure itself out. Overages to be reimbursed... shortages to be paid... 

I would like to put all of monthly utilities on auto-pay on one of our credit cards, but several of them charge crazy fees to use anything other than EFT. The cash back I am missing out on... 

You all don't know me. My word means nothing to you. But, I promise, after answering the door today, accepting a UPS envelope full of creditor checks, and then spending HOURS trying to print statements, locate account numbers, GO BUY ENVELOPES, find stamps, etc. etc. etc.... we will NEVER rack up debt again. In all, we recieved 21 checks. I took 4 to Bank of America, and we will take one to the credit union in the morning. The remaining are ready for the Post Office. I am tired and cranky and am so glad I won't have to deal with this again. Everything has been on autopay, without a care in the world, for the past few years. Since we are going to be tightening the purse strings (whether we refi'd or not), I want to keep it SIMPLE. 

Now, we wait. Thankfully, several of them are going to Phoenix... so, those should hit the accounts quickly. I love a good zero balance. 

Funds from refi were disbursed yesterday, and my old mortgage is now showing paid off. And my new mortgage is saying: PAY ME!

Thanks to some great advice the other day, I have plans to visit some of the locations where I have accounts, and pay directly to them, vs. sending out the check. I don't think I've ever really lost mail - but something about the checks in the mail makes me think they will get lost, and what a hastle that would be. 

I need to update my sidebar... and create July's budget! Groceries and Costco are going to be the hard ones to manage... so I need to make a good plan!

Well, it's done! We choose to refi, with debt consolidation. We closed on Friday, and funds will be dispersed tomorrow. The process was super easy, all electronic and virtual... until the disbursement. LOL. They are sending me checks, made out to each debt. That I will then endorse, and SEND VIA SNAIL MAIL to each company. I can't even with that. 

Due to timing, we should expect a little bit back from each account, as we have made payments, and not incurred new debt. Anything left over, including a little cash at closing will be snowballed right back into the new mortgage.

I'll be back soon to document the pay off process and our next steps!