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  • Activity of the Week: Refinancing Your Mortgage

    I can't help giggling inwardly every time I mention to someone that we're in the process of refinancing our mortgage. It just sounds so damned grown-up. The fact that we have a mortgage at all is still baffling to me at times, but now -- going and refinancing it? As if we're on top of our finances and financial planning? Ha! Ha. But I guess we are, because at some point a few months back, we noticed that rates seemed to be dropping, and asked our mortgage broker (hee hee!) if maybe we should consider refinancing, and here we are, with all the papers signed and much lower rate, and somehow Freddie Mac and Fannie Mae and the government are involved, and the upshot is, we're going to save a few hundred bucks a month. This is good, right?

     

    OK, but here's what's not good: taking your two-year-old children to the closing.

     

     

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  • Les Miserables

    That's us. Having a helluva week here in the Baby Squared household. Yeah, yeah, we're not starving in the streets at the hands of an oppressive regime or dying on the barricades. And honestly, both A. and I have managed to keep our sense of humor and sanity. But it's certainly been theatrical. The dramatis personae:

     

    Yours Truly (as Fantine): Compelled to work long, extra hours prostituting myself for the advertising agency I work at, in hopes of winning some new business for the firm. The company is fundamentally strong, but like every business, feeling the pressure  of the recession. On Monday, we found out we're all getting pay cuts (temporary, hopefully, and not too drastic, but still.) That same day, on the way home from work, the engine light in our 13-year-old Honda Civic went on. Yet again. We just can't justify putting any more money into a car with 169,000 miles on it. Meanwhile, I'm still plagued by clogged sinuses and ears and a sore throat; was officially diagnosed with an ear infection today. Surely tuberculosis and hallucinations can't be far off.

     

     

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  • Feeling the pinch

    The other night, I dreamed that our local Star Market was doing a promotion where they were giving away something like 100 free frozen turkeys. Everyone was so excited about it, and it was such a big deal, that there was even going to be a parade, led by the mayor of Somerville, where the turkeys would be driven through the streets on a float. Now, if that's not a dream about rising food prices, I don't know what is.

     

    Anyone else out there starting to feel the pinch? I've noticed that we're definitely spending more on groceries and household goods these days. Granted, part of this is the fact that the girls are starting to eat more  "real" food. Make that a LOT more. I feel like we're constantly running out of whole milk, bananas, bread and other staples. Meanwhile, we're going through more diaper wipes (a direct consequence of aforementioned real food) and dish soap (ibid), as well as tissues to wipe constantly running noses. (Maybe it's time to bring back the handkerchief?) Add to this the fact that we're using more water and energy (more laundry, more baths, more dishes to do) while simultaneously attempting to keep putting a bit of money into savings for retirement and the girls' college funds, and our checking account balance is definitely looking a little anemic these days. In fact, last week, for the first time in I don't know how long, we were overdrawn and had to dip into our savings for a cash infusion.


    We're far from impoverishment, of course. But I do increasingly find myself looking for specials and sales, and doing a lot more price comparison. For the first time ever, I'm thinking of our little vegetable garden -- which we'll be planting soon -- not just as a nice addition to the yard, but as an actual, affordable food source. (What's up with the price of tomatoes these days??) We've also recently made the decision to try to eat less meat -- mainly for environmental reasons, but there's no denying the economic benefit. I've dusted off my favorite vegetarian cookbook and stocked up on legumes. Last night we had an eggplant-and-lentils-over-rice thing for dinner, and believe me, this is no small adjustment for my husband, who's of the "it's not really a meal if it doesn't contain meat" school.

     

    But if all this belt tightening doesn't work, we may just have to take more extreme measures. Maybe we'll start renting the girls out to childless couples who want to "practice" being parents for a day. Or develop a way to convert all the food they fling off their highchair trays into fuel. On the other hand, maybe we'll just have to get going on our Von Moock Family Singers act and take it to the streets. Alastair sings and plays the guitar, I can sing harmony, Elsa can bang on things and shout into an empty toilet paper tube (it'll be a very avant-garde act), and Clio can be the go-go dancer. You'd throw a buck into our hat for that, right?

     

    Elsa's already getting excited about being a star. Here she is working on her paparazzi-evasion skills.

     


     

     

     

     



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About the Blogger

Jane Roper

Jane Roper in Boston

One baby? Piece of cake. Try two. This working mother gives you the inside scoop on the ultimate in extreme parenting: twins.

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