You know, though I’ve only made one mortgage payment in the past 3 months while also managing to cut the monthly payment by 60% (through the re-fi), the more I think about it, the more I start to see it as a lateral move.

I mean, this should have made a HUGE impact financially but the thing is, it hasn’t.

At least not yet.

It’s not my own doing — it all goes back to that pay cut that I took. It essentially cancelled everything out.

Sure, I’m paying less but I’m also making less. It didn’t get me anywhere.

On the other hand, I guess it’s been business as usual around here as I haven’t really felt the effects of the paycut — when most of my co-workers probably have.

I dunno, still seems awfully dark and cloudy.

Probably because I thought it’d be sunnier…you know, having a sub-$500 per month mortgage payment…

I guess it just hasn’t been as great as I’d expected it to be…