**How can you care?** 'Because I choose to.' **You make it sound so simple.** 'That's because it is simple. Hard sometimes, but simple.'

Thursday, February 26, 2004

Stayed at home. Too much ice.

And now Wachovia is going to refinance. And give me a HELOC behind it, which is how it ended up working. $70,000 or so mortgage at 7.45% over 27ish years = -$100 in payments.

$13,000 HELOC = closing a couple more credit accounts.

This may work after all.

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