rethinking - refinancing

ronnie and i are refinancing our house. 

when we bought it four years ago we locked in a rate of 5.875%. 

if you look at the rates now, they are in the low 4's, 

and this could definitely make our monthly payment lower. 

score.  plus, i have an 'in' at the bank so a lot of the normal fees are waved. 

we like that.

ronnie and i went back and forth this year about whether or not to sell.

i decided that since we didn't know what or where my new job would be, we should wait.

now that we know, i think that it would be stupid to move.

ronnie agrees.

i live 2 seconds from work. 

i get to come home everyday for lunch.

i don't want to lose that.

plus, half my argument for taking this job was the gas money we would save.

(ps - i've only gotten gas once in january.)

if we started looking at locations out in the country,

i would go back to have a commute in the morning. 

so even though our dream is to live in the country.

it will have to wait. 

probably another 5 years. 

i don't know what i'll do now that the updates to our house are almost complete.

maybe i should start looking into new hobbies...