Broke

We are refinancing our mortgage. The rates are really low right now. I am excited about our new lower rate, because our house payment will go down by $200 a month. TWO HUNDRED DOLLARS! That is $2,400 a year. That is a lot of money. But I am also worried that we are jumping the gun. What if rates go even lower next month?

Until our closing is final, we are poor. We seem to have overextended ourselves. We just paid off our new furnace in May. The bill for our new entry door is due in July. We just had our pretty new fence installed last week and our new swing set is being delivered Wednesday. Yikes! We literally have no money to spare. NONE.

On a positive note, we will get to skip one mortgage payment after the closing. That will help ease the financial strain, but jeez, it really sucks having no money in the bank. I REALLY like making frivolous trips to Target (maybe a little too much). I guess this is a good thing. I need to start exercising more self control with money, and this is the perfect opportunity to start being more frugal.

Sneak peek of our bountiful harvest

Like everyone else in America, we decided to start a garden this year. This is really John's project. He has done 90% of the work. Okay, more like 99% of the work. I was skeptical of his adventure. I was fairly confident that his garden would be a disaster.

Over the past few months, John has fretted endlessly over his little vegetables. And to my surprise, his garden looks amazing. Things are growing! We have already eaten the bok choy and romaine lettuce. Delicious!

Tomatoes

Squash

Carrots
Broccoli

Onions

I was so inspired by his accomplishments, that I decided to grow some strawberries. The results are still out, but I am hoping to have some delicious fruit soon:)

Summer fun