First and second mortage have now been rolled into one mortgage, along with the financing I took out for the windows.

As of this morning, five of my credit cards are paid down to $0.

In the next week, I’ll be adding at least one more to that list. I’ll have until Mid-March before I have to start putting money towards the mortgage again, and during that time I’m paying off as much credit card debt as possible. Fully intend on knocking several grand off of the top.

It’s a start.

I’ve got 3 years to completely get my credit turned around again. At that point, I’ll be refinancing the mortgage and going to a 15 year. If my credit isn’t in shape by then, I’ll be hosed because at that point the interest rate I have becomes adjustable.

So yeah. That’s what’s up here.