Happy Halloween

Lots of fairy costumes out there.

It's been a rough night for Gracie, since she runs away whenever someone knocks on the door.

Do you all know what today is, besides Halloween? That's right--it's the second anniversary of my closing. Do you know what's ironic? Two refis later and a fifteen-year loan, my monthly payment is back up to what lenders originally quoted me when I started looking two summers ago. That's right: I bid $30,000 less for a house than what I bid and paid for mine, and had I gotten that house, my monthly payment on a thirty-year loan would be the same as it is for my current fifteen-year loan. Thank you, whoever, for saving me from myself.