There is a lot being said about mortgages right now, because so many are in default. Whether your mortgage is a cheap mortgage or a remortgage, it is something that you have to be able to make payments on for several years.

Many lenders try to entice borrowers by telling them that regular pay increases will cover any deviations in their mortgage payments due to creative financing. This is where the problem comes in. You cannot count on regular pay increases. They are not a given. Getting a mortgage on the condition that you will get a 3% pay increase each year is not wise. There are only to guarantees in life and we all know what they are. Having a job, let alone getting an annual increase, is not one of them.

In recent days I have done much better with my eating and I feel a lot better. I’ll bet I am the only person that has a personal trainer that managed to gain 5 pounds in a week. I am also going to turn around and lose that same 5 pounds this week. I still haven’t exercised as much as I wpuld like, but I have exercised more than in the past. I am relatively focused at this point. I have not had candy in about 5 days. However, I did have some cake. Work is my weakness. If I could work form home, I would be all set. That is an easy statement to make and it is not true. Working at home would just present a whole new set of challenges. I just have to take each challege is it comes and each day as it comes.