Our appraisal came through over where we needed it to. Interest rates have gone up which sucks, but they are still 1% less than our current rate. I want more than anything to get a huge deck built this year, and if our refi closes, we can get the deck!!! And I am getting a Learning Tower, for $160 I can get something that allows my DD to be counter height for years to come. Plus, you get half your money back when you resell it! We just returned my leased (I know leasing is stupid) car, so we are a one car family, until the refi closes. I found a car I like for $10,000 on CL, but that is too much! Our cash out amount isn’t that much, so we can’t just buy any car. I used to spend $30, 000 on a car, no biggie. Now we are looking at paying less that $20,000 for my hubby’s current car and my future car. Man, oh man, how priorities change! I want something safe, AWD, with a decent carbon footprint, and no bigger that we will need on a regular basis. I sat in the back of my DH’s sedan with the Recaro car seat, which is big, so it’s doable. Remember the days before SUV’s?