McDonalds Food Poisoning and New Homeowner Questions

So as an update: (possibly gross TMI- you’ve been warned)

 
I decided to get McDonald’s the other night, a double cheeseburger fries and a coke. A “treat,” I told myself, for adulting so well and being on top of bills/exercise.
I then spent the next two days constantly running to the bathroom to explode and be sick out of both ends. Getting very little sleep with my stomach in knots, as my body rejected that meal and punished me for two days.
My husband believes that it’s because I haven’t eaten fast food in forever, and have been eating healthy foods regularly, my mother thinks it was food poisoning.
Regardless- it was an event in my life that has officially killed any burger joints for me. The thought of them makes me sick.

I got so dizzy, I literally passed out on the bathroom floor at 430 in the morning.

Never. I’m never. Eating that crap again.

Needless to say I haven’t done T25, and I’ll be picking up on Monday when my body is not trying to kill me.

Which brings me to my second half of this post

Homeowners- I have a few questions if you’d care to lay down some wisdom.
When does paying your mortgage become less of a burden?

When do mortgage insurance premiums go away?

When did you first refinance your home and why?
We aren’t behind by any means but if just the MIP (over $200 a month) were out of the way, we’d be able to consider building an actual family.
Any insight/advice you have to preemptively help us would be appreciated.