Okay... More of the finance mess.

I may have found where things went wrong. There's a $6.00 payment that I apparently didn't write down. In combination with me mistaking another amount, this MIGHT have been the trigger for the NSF's. I'll talk to the bank later when I get home.

I'll also talk with the boss at Baker and Payroll to sort out the missing 24 hours of pay as well- hopefully I'll get that back before the end of the week. I'll ask Dad to pay half of the car insurance to get that dealt with, and pay him back later this week after I've settled as much of this as I can.

I get to talk to:

The bank (to clear some of the NSF charges and find out what that $6.00 was for, and confirm what another of the NSF-affected charges was)

Work (Payroll and my boss at Baker for the 24 hours of missing pay)

Discover Card (To tell them that there will be a delay in my paying them

Dad (for the insurance payment)

Countrywide Mortgage (To get some numbers on a Refi)

Roomies (several things)

No I'm NOT selling the house. Not yet at least. I figure that I'll have it at least another 18 months. I think it'll be at least that long before the housing market is truly stable... But I think I can get some of this resolved asap. At least I hope so.

More on the Finances Issue...

Well, I got all the calls done but for talking to dad (he wasn't home) and the roomie-stuff. The bank reversed $70 of the NSF charges (YAY!), the 24 hours of pay has been given to me and the check will mail tomorrow, and after talking to the mortgage company I'm a LOT more interested in the refinance option- I'll be getting about $12000 out to cover the credit debts and such, but the numbers that I got are as follows: My interest rate would go the 5.875 instead of 5.5, which means I could pay a few points to keep that the same, and it I went to a loan of $125,000 (taking about $20,000 out, which I'm not going to), my total payment would increase by about $100... As opposed to the roughly $400 I have to pay the creditors. Gee. Hard choice!

So I'll talk to the roomies tonight sometime, and Dad as well. I think I can stabilize this.