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okay sorry for this topic it's not all about politics, but it ties in so i figure it would be best for here.
so for over 6 months now my wife, and i have been split. i caught her talking with a guy i considered a friend, and found it they were physically involved, and she picked him over me, so she got a place with him, because he was married, and cheating on his wife with her. not looking for sympathy or anything just explaining my situation. this year in 2011 i will be filing single on my taxes. now that i am filing single i have the privlige of paying about 85 bucks more a paycheck to the federal government because i am single now. we will be legally separated within the next month so i am going ahead, and filing single now to start off the new year. that is the first dilemma i am having. right now i am only working 3 weeks a month which works out very well. i still need to do my own work on the side for my own business, but it works out great. i have to commute almost 200 miles a day, but it's only 3 weeks a month, and all my benefits are back, and i am still left with more money in my pocket working 3 weeks a month than 4 weeks, and having to pay for cobra benefits. of course i wouldn't mind working 4 weeks a month if they put me on a job site a little closer.
they say gas is going to 4 bucks a gallon this year. this summer. i went to fill up my truck the other night they wanted $3.45 a gallon for diesel. i was real low, and just put 4 gallons in. in jersey they got it for only $3.15 a gallon so i usually fill up there, because it's on my way to work. i spend about $600 bucks a month on gas/diesel commuting to work. i can write off my truck, because i primarily use it for my own business, but it's still a lot.
now sorry for the long topic, but i would like a take on this from others as far as refinancing goes rather than get swindled by a lender. i have refinanced on my house before. about 5 years ago i bought a house further upstate which i planned to move to once i sold the house i am in now. i borrowed $50k grand on it to buy that, but we weren't able to sell the house i am in now, and it took 2 years just to sell the other house. when we sold it i was able to pay off my second mortgage on this house, and had a nice profit. so what i did was took out a second mortgage, and just paid it monthly. what i am saying is that i didn't refinance for lower payments which is what i'm considering now. any advice on that?
the reason i made this was because i am probably gonna be losing almost $500 bucks a month to federal taxes between my own business, and my full time job. i'm probably gonna be losing almost what i pay in gas/diesel costs a month, and the prices of fuel are going up, so i gotta do something here. if business slows down i might not be able to afford to pay over $1400 a month which is what i pay with my mortgage/taxes/insurance. 400-500 bucks a month is a lot of money. between car insurance, electric, cable, phone, internet, and water i pay close to $500 or more a month. it costs me almost that to commute a month, it costs me that much to eat every month for me, and my son. so it's a big hit. at the same time i don't wanna be paying for this house until i'm 70, and may not be able to work anymore. after selling the home i bought that we planned to moved to if we ever sold this house, i used a lot of the profit to pay off a lot of my balance for this house. it shouldn't have been paid off until 2032, but now i think at this rate it should be paid off within 14 years from now.
sorry for the long post. just a regular guy here looking for some advice on refinancing for a better rate, and if anyone has experience with it. also wouldn't mind hearing opinions on the gas prices, and maybe those of you who were married who became divorced or separated, and felt a huge hit on taxes. thanks a lot for the time to read this.
2000 f-350 4x4