Sunday, April 20, 2014

Today, I am dreaming

Life has been so stressful lately with getting the house ready for sale - downsizing MAJORLY, putting the house on the market and keeping it in perfect condition, stressing about the inspection, on and on and on.

We decided to do a little more work on the house for sale, last day of repairs.  If it does not get done today, then it does not get done at all.  Since we are in contract, I am feeling more confident.

I sort of hurt myself this morning painting for 5 hours straight.  Needed to be done and we are finished, but I am sitting on a hot pad and dreaming the afternoon away.

One thing I have always pinned for is a Jeep.  I have owned 2 in my life and always at a time when I cannot truly enjoy them.  Either, my husband got to drive it all the time or it sat in the garage because of repair issues (my fault for being desperate and buying a really bad used one).

2013 started the 3,500 lb towing capacity of Wrangler Unlimited.  Our travel trailer is just under 3,000 lbs.  I know it is pushing it, but it works!  So, I am dreaming of taking the trailer, taking the top off when we get there and driving around, off roading a bit and enjoying the wind. 

This time though, I am no rush to do this.  It will happen, just not until the debt is gone.

The other thing I am dreaming of:  a hot tub.  Yes, I know.  Crazy, crazy, crazy.  There it is though.  This probably will not happen any time soon, not even after debt is paid off.  It is a far off dream, but one nonetheless.

Is there anything you dream of when dreaming is free?

Saturday, April 19, 2014

Weekend Chaos

So, Friday late afternoon, we received the written paperwork and signed it.  Deal is done.  Then 15 minutes later, we get a request for them to come in and take measurements.  Freaked me out - in my mind they were coming to go through the house with a fine tooth comb.

Maybe they did, but at this point, I have done the best I could and it is what it is.

They left the good faith check on the counter. Excellent!

We got up early and cleaned the whole house, then went to the new house to clean that whole house.  Well, just the areas that will be painted on Monday - like the baseboards, walls, shelves.  Then we did a good sweep of the floors so the hardwoods would not be scratched from all the dust. After that, we moved all the furniture we had moved over to the one room we already finished, so we get a 5% discount with the painters for the place being empty.

Just when we were thinking we could go back to the house we are selling, we get a call about a showing.  Sigh, yes, we are still showing.  We decided to go for a drive and see our land.  Then we went to Target to look at their clearance items in the grocery area.  We often get really good deals.  Yep, we did well, getting food for the week (and next for some things) at just under $150.   Very good deals.

Tomorrow, we will be working at the house we are selling, finishing up some painting (yes, more painting) and then making sure everything is in tip-top shape for the inspection.  I don't want any surprises.

After that, back to the new house to take down toilet roll dispensers, towel racks, curtain rods, etc, so the painters can do their job.

The painting is expensive, but we are paying for it from the sale of the house (yes, charging it first), and I am glad we are.  After finding out the previous owners smoked, the painting is necessary.  After we cleaned, it was amazing the difference, but I am sure after painting, all the the yellowish colors made white will look fabulous and be a fresh start.

The fact the house is much smaller is hitting the kids.  A couple are starting to get upset.  So, what I decided to do is let them choose an area rug, so it makes it a little special for them.  I think it is more the thought of the transition.

So, I have made a decision.  After the inspection and when everything is worked out with that, we are going ahead and moving.  I feel it is time and at that point, the worry about the buyers pulling out is much less (not gone).

Life is still all about the selling and moving.  We need to move on though - our oldest is graduating in 6 weeks!

Thursday, April 17, 2014

It's not over until...


YES!!!  Finally!  We countered at $11,000 below our asking price and they came up $15,000.  We immediately accepted their offer and now, I am just waiting for the signed paperwork - probably will come in tomorrow.

I am too excited to even think right.  At this point, it is not so much about the money, we still came in $20,000 below asking price, but an end to a very difficult 3 months.  Lots of very hard work, lots of pain, lots of getting snippy with each other.

It is an end to part of our lives that stayed rooted in extravagance and unrealistic expectations - living beyond our means and ignoring what was truly important.

Although the complete relief has not set in yet, it will.  This heavy, heavy burden is finally going to be lifted and we can finally start truly getting out debt and building wealth.

We only have 1 month of two mortgages which is a complete blessing.   The budget is mainly, spend as little as possible and pray for the best.  It will be so wonderful to get back to a budget that has an aggressive debt reduction plan and room to breathe.

Now all we need is the paperwork and we are on to inspection.  Next hurdle to cross!

Wednesday, April 16, 2014

The offer is in

Venting again.

We did receive the offer - finally!  It was another low ball offer.  Has me a little depressed.  The first offer was $31,000 under our asking price.  This offer is $34,000 below our asking price.  Both are at foreclosure level pricing.

I am trying to make sense of it, but I cannot.

The good things about this offer is the strong financial aspect.  They are putting 20% down, and financing for 15 years.  They have strong finances, so that is a MAJOR plus. 

I am trying to think of this as a starting point. 

We need to be done with this part of our lives, but I do not want to give away the house.  I think this will work though.  This time I really do.

I will you all know as this progresses, but it seems slow, so it may not happen tomorrow or Friday.

-D and I are both at the limits of our stress and ready to get some stability in our lives.  It is coming though.  Should this work out, by the end of May, we will reduce our overall debt by over $150,000.

Selling a house stinks, but the end result is where the comfort comes.

Tuesday, April 15, 2014 killing me!

Sometimes, I need the patience of a saint and I just do not have it.  I am highly passionate and that does not lead itself to tremendous amounts of patience.

We had a long showing this past weekend.  Feedback was: Shows well (typical), love backyard, entry light needs cleaning.

This light in question is 18ft in the air.  Sigh.

We let it go.  This is about how all our showings have gone - shows well, not exactly what we are looking for.  With everyone being sick - I seriously let it go.  -D and I had a deep discussion about significantly lowering the price and offering an allowance for flooring.  We set up a meeting with our realtor for today to hash out all the specifics of the new terms.

So, then I get a text this morning.  Our realtor says he has been going back and forth with the people from Saturday and their only problem is the laminate flooring.  Can he give them an allowance for it.  Ummm, YES!!!  He then says, we will most likely be getting an offer by this afternoon.

OK, I did not need to know that - how can I function today?  My daughter is still not feeling well, so we are stuck at home or I would go somewhere.

Trying not to get my hopes up.  Trying very hard not to get my hopes up.

UPDATE:  Their realtor said an offer would be coming in the morning after the buyer was back in the US.  (out of the country for work).  Still anticipating!

Monday, April 14, 2014

Thinking about food

A friend on Facebook recently shared this video. 

I have heard Micheal Pollen before, read his books.  At one time, I did a lot of cooking at home.  We ate about 60% locally and pre-processes foods were rarely eaten.  Our health skyrocketed!  I was never thin, but we never got sick and all blood tests came out normal.

Then I was in a wheelchair and life got complicated.  I could not stand up for any length of time and the cooking fell to -D who was coming home after working for 8+ hours to stand in the kitchen and cook.

Well, I felt guilty (obviously not guilty enough to do anything about it) and LAZY.  More and more meals included not just 1st tier processed foods, but full on processed meals.  After a while, I got out of the chair, but my blood pressure rose, and then the heart problem started.

My husband is more lethargic, my kids are moody.

Now, in the past couple of weeks - I have gotten sick - very sick and still fighting something, though I am feeling much better.  -L and -D are in bed with a stomach virus.  No one in my family has so much gotten more than a simple cold that lasted a day or two in the past 4 years, but now we are getting sicker and sicker!

I have to do something about this - NOW!  Problem is our kitchen has to be spotless and we have to be ready to show at a moment's notice.  Sigh.  We will make it work somehow. 

The menu will be posted later today.

Thursday, April 10, 2014

Track It Thursday

OK, this is where I come clean with how I have been doing more spiritually, than fiscally.  It was an off-week because I was so sick, but I am slowly doing better.  Today is better than it has been for over a week, but I still get breathless easier and have less energy.  I am down to just a decongestant, neti pot, Sambucol and Mentholatum, and humidifier.  LOL

Here goes

1.  Exercise - Yeah, what a joke.  I get breathless sweeping the kitchen.  No exercise at all this week.

2. Homeschool - Another joke.  I could not talk for 5 days, then we had a major water leak in the new house, so I have been overseeing construction work while sick - not conducive to learning.  They did do their individual work, so it was not a total loss.

3. Sewing - YES!  I made a lanyard and drew out the two baby blanket designs for an order.  Oh, yeah and set up my sewing area!  The lanyard is not perfect and there are some adjustments I want to make, but I did sew!
Lanyard - 1st try

4. Money - Eating out - we spent $30 on one meal out this week - during the water leak fiasco. Other than that, we have not spend any money.  Eating down what we have.

5. Cooking - Even though I did not feel like it, I really wanted homemade chicken soup on Monday, so I made a crockpot version to and it was wonderful - everybody enjoyed it!

6. Reading - We did not make it to the library because of my sickness the water leak, however, my son was given a research project from this enrichment teacher and my daughter was given The Book Thief for her birthday.  I myself perused our shelves and started reading The Da Vinci Code again.  Good enough for this week.

So, pretty good for what all went on.  We mostly ate in and I even got a little bit done despite of it all.

I forgot to show you the before and after of what will be my sewing room and A's study/music area.

Before - light floors, red walls, brass chandelier.

After - darker floors, green/tan/grey walls and a ceiling fan.

I LOVE it now.  I am much more into earth tones and it feels very calming.   I have not moved into this room just yet because we are going to repaint the trim.  It is a little yellow from the oil based paint and I just found out that they smoked in this house!  It was why the carpet smelled so badly.  We replaced all the carpet with these floors.  It smells much better.