Catwoman (sekhmetgoddess) wrote,

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Does anyone have experience with a home equity loan? Jess and I have a bit of debt we would like to combine into one low payment..

Jess is away this weekend. I am working a half day tomorrow and a half day Monday. Go me I guess. It's extra money, and extra money is ALWAYS good.

I have lost more weight (down to about 123) but..I sometimes still feel (insert the f word here :P) Yes I am trying very hard not to feel that way but sometimes I just do. It bothers me so much at times. Not as much as it used to, but still more than I would like.

I think the spiders in our house are vampires. I have been getting huge red itchy bites on my body when I sleep lately. I know its not bedbugs because I am anal compulsive about the cleanliness of the bed/sheets etc. I dont think it's mosquitoes because we rarely have the windows open. I know we have a few arachnid guests and I usually don't care because they kill the bad bugs (and plus I sorta like the little guys lol) . But if they are deciding to feed on my blood, then they are not welcome any more :P I got bitten on the knuckle of my finger last night and boy is it annoying.

Sleep now. Must get up to go to work..
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They are getting tougher to get as the market continues to colapse in upon itself. You might have problems because you have not owned your place for more than 1 year. If you do manage to get one, make sure the interest rate is lower than the rate on your current debt. if you have credit card debt we it is a no brainer, get the loan and transfer it over, the interest is deductible on your taxes at the end of the year just like the interest on your home. I have one and use it to pay student loans and all sorts of debt that we had including the car loans.
I'm not a great believer in home equity loans. I think more people end up in debt trouble using them than they help.

My suggestion is bite the bullet on spending and get your debt paid off that way.

It's probably not the spiders biting you. You'd feel them walking on you. I suspect it's mosquitos.