The Bitch Stirs

I don't know what else to call it/her/that side. ShadowSelf, maybe? Heh, wouldn't that be interesting - I need to go and do some more reading on the shadowself.

Anyhow. I'm - murrph. I don't know. I think I'm sick of people. *lol* It's so 'high and mighty' and hoity-toity, but - gods! It's just - *sigh* - personal perceptions are always different, ain't they? And emotions are never logical. And maybe if I freaked/flipped out more, I would be a better rounded person.

But bloody hell, does it ever get on ones nerves!

I want a cigarette - and we all know that means I'm stretched a wee bit thinner than I should be - patience/tolerance-wise.

We are looking into re-financing the house, to try and take advantage of the lower interest rates - working with the fellow who did the first loan, and we might be able to drop a whole point, which would be utterly fabulous!

I still haven't done our budget. I think - I think maybe I'll at least start pulling stuff tonight - I ran our credit reports today, so that will be a place to start - I think I have pretty impressive credit - and THANKFULLY the little 'lates' on the HD card (the whores, shifting bloody payment dates!) aren't showing up, as that would ding me, quite nicely. DH's credit is - thin. Both figuratively and literally - all three of his reports is barely as thick as one of mine. Something semi-scary I realized - MOST of the debt we have is in my name. I haven't yet determined if that's wise - of course, most of our debt is also wrapped up in the house, so - I don't know. And if the re-fi goes well, DH will be on the mortgage too, so - that should be - okay, I guess.

The amount of revolving credit we have scares the shit out of me though - we have WAY too much of that - WAY too much. Okay, true, true, that includes a lawnmower, a treadmill, a dishwasher, new countertops, and two vacations - but STILL. It's a good chunk more than I am comfy with - we are definitely past our '9 month payoff' level - we've exceeded our personal credit level.

Speaking of which - we had a 'discussion' last night. DH had Forbes, and had it open to the 2008 blahblahskippy BMW, and said 'See, this is why I wanted to get this magazine, so that I will know what's out there to want' - basically. I - well, I had issues with that statement, asking him why he wanted an 60K car, and he said he didn't really want the car, he wanted the lifestyle the car represented. I then replied that the 'true' millionaires don't drive cars like that, and what that car really represents is a high disregard for the actual value of money - bloody 80 grand on a depreciating asset! WTF?
Anyhow, he got all stuffy and accused me of refusing to acknowledge goals that I don't agree with - whereas my intentions were to clarify exactly what sort of 'lifestyle' the car represented. To me, the 'lifestyle' that would allow you to have 60K even semi-liquid is NOT the 'lifestyle' of the average person who actually drives that car.

But then, maybe that more reflects our love of credit than anything else.