Oh bees, I'm so happy I literally danced down the hallway at work today. AND almost burst into tears. And gave one of my coworkers a huge hug just for the heck of it.

Yesterday I had my annual review at work, and on top of it being glowing, I got a promotion and a wonderful raise that if I've done my calcs right, will add about $300/month to our income.

Today I called my mortgage company, as I've done once a month now for the past 6-7 months, and asked if our mortgage qualified for HARP (Home Affordable Refinance Program). We always preliminarily qualified, but got denied on a minor detail of our original mortgage. We can't refi without it, as there's no equity in the home (thank you community sales for the past three years).

Well, today the answer was, "Yes, you qualify!" Bees, with the refi we'll be saving an additional $340/month. I'm so elated! We went from a mortgage rate of 6.25% to 3.75%. This saves us with the baby coming in July/August.

So I guess the point of all this is, be persistent if you don't qualify for a program right away! They're always changing. And if you haven't heard of HARP, look into it and see if you meet the criteria and it's something you want to do.