WHEW!!  I am home….nothing major can go wrong.   I wanted to call my mortgage company.   I talked to there refinance department about getting a better rate on my loan.  They said the rate for fixed martgage is 6.375%  hmmm…..that is two percent cheaper than I have.  I might consider refinancing.  We will see.  I have to chat with hubby about it.  He needs to get a job so I can pay the fees to refinance.  LOL!!   I need money to save money….go figure!  I should have considered doing this a while ago. 

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