Refinance!!!

I am in the process of refinancing my house. So far it looks like a hell of a good deal and I will be able to knock off almost 2 points on my interest rate, meaning more $ in my pocket every month while at the same time building mo' better faster equity. Right? Isn't that how that works?

We are hoping to get a closing date in September. Please, Lord, please! I just have to have the appraisal come in at a certain amount and then the closing costs will be rolled painlessly into the loan. This will help me SO much!

In other financial news my household budget is done through Dec. 2012 and by then I should really be doing very well and completely back on my feet and then some post-divorce financial nightmares.