[Snoopy2645]

Well if the refinance is tommorrow & you are having second thoughts on it I wouldnt do it!!

I was in the same situation as you well kinda we were gonna refi. & pay off unsecured debts this was 2 yrs ago. I backed out at the last minute I was like you I had something telling me not to do it. Trust me the bank will push it but only to improve thier own pocketbooks not yours!!! But keep in mind they wont die if you dont do it!!


Well I started going to the library & reading debt free books I transfered all ccs to 0% interest at the time I was expecting my 3rd baby any day so I couldnt just go get a job but I mystery shopped cut everything to the bare bone sold stuff on ebay. Then I got a pt job to help out shortly after I had my baby now we are debt free & our house will be paid for this year!! And we are saving a little too. So IMO I took it into my own hands & thrilled I did everything will be paid off this year. We quit buying everything except food for along time while CC's got paid for.

I agree with the others it scared me to death to roll unsecured debt into my home I couldnt let my family end up homeless KWIM The cars are another thing to look at I sold my car got a much nicer one for the same price & more fuel efficient also so that has saved me a ton!!