Not much happening... I paid some utility bills and the car insurance bill online. Whenever I do this, I'm always thankful that I have the cash to pay it. Always.

I noticed that some gifts that I'd purchased through Ebates were not credited to that account, so I emailed them. It's "just" a few dollars, but we all know how those add up. I thought to check because I was purchasing some *unmentionables* for a Swimbaby, and thankfully remembered to go through Ebates... so I should get a few more dollars back there, too.

The only debt we have is the mortgage and the recently-purchased-new-to-us car loan. I've mentioned before that we don't have/use any credit cards, so were a little concerned about lack of activity. We financed a very small portion of the car purchase, just to put some positive activity on the credit rating. I know there are mixed opinions on this, but we decided that it would work for us. So after we paid the first payment, we refinanced to The Husband's work credit union. They gave us an interest rate 3 full points below the other bank, gave us $100 for refinancing with them, and gave us another $100 for opting for payroll deduction. There is not a chance that we'll have paid $200 worth of interest before the loan is paid off. So we will have that activity we wanted (and were even willing to pay a little for, if need be) PLUS cash. Car loan will be paid off in December or sooner if I feel like it. I want to let it go six months. Win-win-win.

As I was writing this, I got the email from Ebates that they already credited the cash. Nice!

It's very hot here. I'll be making wraps for dinner tonight... hummus, spinach, couscous, avocado, shredded carrots, tomatoes and balsamic vinaigrette. It's one of our favorite summer dinners, and I'm looking forward to it.