Signed and sealed.

.

.

The HELoC?  Is completed.  I have to wait, for payments, then for those to go through.  The first thing this does is pays all my debts.  Bringing the loan all under one roof and, generally, at a lower and singular interest rate.  Perfect?  Close enough.  Then life goes from there.

I need to work with my other bank.  With that debt, through them (the bike) paid off, I'll cut back on what they get.  But... that becomes Christmas fund.  Which means, this coming year, if weather holds, I could visit my mother.  I'll keep enough going that I can go, and stay, without dipping into my income.  Plus, arrive bearing gifts.

The check I was waiting on arrived, from excess escrow.  Very good.  No, nothing special.  I may use a bit to buy a few nice groups of steaks, perhaps some pork chops and lamb chops, and get everything wrapped and up right away.  Salmon too, if I can find wild caught, American processed.  But... on a strict budget, so possibly not filling that whole order until next month.  The rest will be put right back against the loan, for... the money that went out against the debts.  Might pull some out of the other account too.  Will... see.

It was no way near as hairy as when signing for the house.  That was a at least twice as much.  And it was my first true big ticket purchase.  Well cars, even a few new.  But those don't even count, really.  Smooth, easy, quick, done.

I grabbed a few Wendy's triples on the way home.  No sauces, nothing but buns, burgers, lettuce, tomato, and onion.  No pickle, thank you.

As I explained to the paper wrangler, this time would be like his, probably, midnight, or two, hours.  When he would normally be sleeping.  So... yeah.  But business is business.  And, I told them I would be there.  So very tired.  I have to come down before I can sleep, at this point.

I have been so tight, about... things.  My legs, torso, and arms have... enlarged.  A lot.  Very, very, strange.  Solid.  Odd.  How long have I been so tight?  So very different.  I think of it as a good thing though.

Oh.  Received a gift card to my favored steakhouse in town out of the deal.  The next time I am in town, a bit later in the afternoon, in I will get.  Though, what is interesting?  The HELoC, based on just a portion of my homes value (and not even the full amount offered at that value) is over half the original price.  Crazy.  Of course, one of the goals?  Spend as little as possible.  And pay it off as I go to blunt any major trauma.  Paying it off in three years, other than when selling the house?  Incurs a $500 charge.  Or... maybe even if selling it?  Could rent it, or try, for a year or two?  Before deciding... if I could find renters.  The rent, for this place, as is, is two to three times, or more, the mortgage.  More than the mortgage and interest if the full HELoC was spent out?  Maybe even enough to pay the mortgage, plus both the HELoC interest and principle.  Actually, definitely more.  Weird.  Yes... yes... thinking out loud my boi.  When that happens, orcs are around.  Then you have to be extra careful my lad.  Or... something.  Leave me alone!  :p

Did I even say anything?  Don't know.  Later.  Or... more likely... good night.