So Let Me Get This Straight...
A few years back, my wife and I refinanced our mortgage to get a much lower rate. Our mortgage lender tried to sell us on some of the «special» mortgages available at the time but I decided to stay with the conventional 30 year fixed rate. We are still able to pay our mortgage every month while keeping my 11 year old truck and my wife's 7 year old van. We need to replace our carpet and furniture but just can't afford it right now because we have three kids to raise with one in college. I even changed careers so I can take care of my family and continue paying my obligations.




