I have always known that I should  be unplugged from the matrix. but I have never had the confidence that i had found "Morpheus" with the "blue" or "red" pill option.

Going from 800-->975/1000 may be a hard pill for them to swallow given they will now also be paying w/s/g bills. 

I feel like I am taking crazy pills!!!

Coming from me this is a bit ironic because I am always full-throttle 3-4 things going on at once but looking back I would have benefited by taking a chill-pill and focusing more. 

Calumet Heights includes an area called Pill Hill, due to its history with African American physicians.

Come on now people, lets get back to basics.I feel like I am taking crazy pills sometimes when I read the blogs.

That's not the end of the world if you can afford the higher payments, but it's also a tough pill to swallow - it's a big difference between deciding to refi on your terms, and being told you have 30-60 days to refi or you'll lose the property to foreclosure.Also, you and/or the seller may not realize, s/he probably won't be able to buy another property as long as this mortgage (and its payments) are still on her/his credit report.

After all, student loans were pilling up and it was time to take a stand.

So my question for you guys is how do you swallow the tax pill?

It won't happen overnight, there is no magic pill.