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28 augustus You Win Some You Lose SomeWell, I fought the law and the law won. Surprised? Nah, me neither. Even after arguing our case we still did not get accepted for the First Time Home Buyer's Loan through the bank. But the bank that was "helping" (I use that term loosely) is willing to sign us with a 6.75% rate... Uh.... NO! The worst part is we had bank2 in the background throwing offers at us left and right. The lowest offer being 6.25%. Now that a week has gone by and we go crawling back with our heads down asking if we can still get the 6.25% they tell us it has gone up to 6.5%. Convenient, no? But compared to 6.75% the 6.5% is looking pretty good. So now we're trying to get our application fee money back from bank1 and signing papers with bank2. It's all very confusing and makes me want to jump off a bridge. Ever hear of the "City of Bridges"? No? That so happens to be Pittsburgh, my hometown. lol
So here we are less than a month away from our closing date with no bank/mortgage yet. Fun times!
But on the bright side of things we sold one of our wash/dryer sets! YAY!!!! Is it sad to be that excited about selling a washer/dryer? Silver lining my friends... silver lining.
Yesterday I was tortured at a company meeting and then further tortured by being forced to attend a baseball game and if you know anything about the Pittsburgh Pirates it's that if your hometown is playing us you'll win! I know you're jealous. lol
It's Thursday and I can sniff the weekend. If I hang in there I'll be rewarded with a holiday weekend.
~ FC 25 augustus The Start of a New BattleThe next chapter of buying a house:
So, My Prince and I applied for a First Time Home Buyer's Loan and have been denied. We're rather upset because this loan gives us a 6% fixed rate. Plus, the reason we don't qualify is because "we make too much money". The "extra" money that we have is from My Prince's over time which is never guaranteed. So, they are counting money that we'll never see this year because My Prince's company has cut off all over time. Are we upset by this? Uh, YEAH! So today will be spent making phone calls and arguing with people in hopes that we can change their minds.
As a side note we have ended up with three pairs of Washer and Dryers. Crazy, right? It's insane because I thought these would be the appliances hardest for us to aquire. Now we have too many. So tonight My Prince and I will be meeting with someone who will hopefully show up and hopefully buy our extra washer and dryer.
Amongest all of this is me trying to keep my sanity that I'm not sure I ever had to begin with, lol.
Please say a prayer or two for the FC please! Thanks,
~ FC 20 augustus I Can See Clearly Now the Rain is GoneMy mini break down from the post before has been resolved. It was merely a stumble block in the road we call “life”. After much talking and compromise with my Pappy he agreed to still lend me the money. I cannot begin to tell you how happy this made me. Compared to the emotional ‘sucker punch’ he gave me earlier you can only imagine my relief when we finally agreed.
Now everything has been back to “go” again and I’m running on ‘empty’ but still am managing to get things done. Today is the last day I have my apartment. I’m sad but excited at the same time. I really liked my little apartment but I’m ready to start a new chapter in my life with My Prince and in a house. Over the past few days I’ve been cleaning my apartment like crazy. I need to make sure I get my deposit back because that will surely help with things down the road.
Our closing date is set for September 26th and I can hardly wait!
Cross your fingers for me that any future “stumble blocks” are easily handled.
~ FC 15 augustus Somewhere someone is laughing at me....Today I should be feeling elated. Instead I’m full of nerves and a big bundle of anxiety. “Why?” You ask. Good question! I should be elated because the sellers accepted our counter offer. I was very happy and excited over this news. If you remember in my past post I had mentioned asking for “help” from my Pappy. I asked for his help and he agreed to help me. Then last night when I called him with the good news he simply said, “No”. My heart dropped down to my toes. He said the offer we made was too high and gave me the figure he wanted me to offer. Then proceeded to tell me that if they don’t accept this new offer then we should “wait a few weeks or months and then try again.” Also adding that we should, “look around some more in the mean time.” The problem is the figure he wants us to throw out there would be refused in a heartbeat. It’s just way too low. They wouldn’t even consider it. But he feels this is the right figure to pay for this house. Never mind the fact that the offer they agreed on is $15,000 less than what they originally paid for the house and off of their original asking price.
It just seems to me that in life there’s always a catch to happiness. Fate says, “Here is your moment of happiness” and then in the next moment it says, “I hope you enjoyed that because I’m about to kick your @$$.” See the thing is we can’t completely afford this transaction without my Pappy’s help. I would not have gone this far into the agreement if he didn’t already agree to give me that money. I’m on pins and needles today instead of being happy. I feel like crying when I should be smiling.
My heart is sad.
~ FC 14 augustus And The Saga Continues....They made a counter offer yesterday. This morning we made a counter offer to their offer. We'll see what they say next. Isn't it exciting?!?! Can you hardly stand it?!? LOL I know I can't...
~ FC 13 augustus An Offer Has Been Made....My Prince and I put an offer in on the house last night. They have until Friday to respond to our offer. My fingers and toes are crossed that they except the offer. It's killing me having to wait like this! Whisper a small prayer please!
~ FC 11 augustus An Offer
My Prince and I are hoping to put an offer on a house tomorrow or Wednesday at the latest. Cross your fingers for us that all goes well!!! I can hardly wait!!!!!
~ FC 08 augustus 9th Year AnniversaryToday is a very special day. It is my 9th year anniversary with My Prince. On this day nine years ago My Prince had officially asked me to be his girlfriend. It’s been a roller coaster of ups and downs these past 9 years but I am so happy that we’ve come this far together.
Who would have thought all those years ago that we were starting something so special?
We went from just starting out as kids to growing up and now looking for a house to live in together. It’s amazing how fast time goes. But I wouldn’t trade any of it for the world.
My Prince, My Love, My Everything
~ FC 05 augustus A Dash of Anxiety Mixed with Being a WomanThere is still no news on anything. We still haven’t made a bid on the house that I think is perfect for us because we’re still shopping around for a good mortgage rate. I’m hoping to accomplish this today. I want more than anything to make a bid on this house now. But after we settle on a bank then I have to make a phone call to my Pappy that I do not want to make. Then after all of that we’ll be able to make a bid on the house. So, I’m still stressed out and still anxiety ridden.
This past weekend we had a yard sale at my apartment and after 8 hours of “selling” we ended up with $60. I don’t think I will ever do that ever again. Not only was it time consuming for a little pay out but we were both sleep deprived. Sunday night we went to bed at 8:00 and last night I went to bed at 7:00. Unfortunately, I slept through the nice weather day and now have to work during the rainy day. But whatever, what must be done, must be done.
My body is making things quite difficult for me this week as I’m expecting Aunt Flo. My emotions are all over the place and I want to eat my weight in food. This mixed together with the rest of the stress/anxiety I have going on is not a good thing.
I’m ready to go back to bed.
~ FC 01 augustus Stress... what stress?It's been more of the usual lately. Packing, moving, crunching numbers, and of course, trying to fit more things into days that just aren't long enough any more.
Yard Sale
As if My Prince and I weren't already dealing with more than we could chew, we've decided to have a yard sale tomorrow. We have all of the stuff that we want to sell all piled together. The bad part is that half of it needs to be cleaned and we still haven't priced anything yet. Yesterday we were supposed to put signs up and well... yeah that just didn't happen so we'll be doing it tonight. What we are selling is a combined pile of junk of stuff that we decided we didn't want/need any more. Our biggest sellers are ink jet printers, a washer and a dryer, and some stereo equipment. I just hope we make a good bit of money off of it. We really want to get rid of it but you just never know what's going to happen.
Crunching Numbers
After crunching the numbers, My Prince and I have decided that we need a little bit more money in order to buy this house that we want. With each passing day I get more nervous because I'm afraid someone else is going to put a bid in on it. So with us in a rush of needing this money I'm doing something I do not want to do. I'm going to ask my Pappy for the money. I've always prided myself on being the only grandchild out of all of the grandchildren who has never asked him for money. But desperate times call for desperate measures. I just wish there were another alternative. I hate that I'm going to do this. I hate it with every fiber of my being.
Jealous Much?
My ex co-worker came in to the office the other day and boy am I jealous. She quit this job to become a nanny making the same amount of money as she was making working here. She looked so incredibly happy. She's also engaged to be married. Did I mention that she's getting married on the beach in Florida? Yeah... she is. Also, the ring on her finger is A-MA-ZING. So the green eyed moster rears his ugly head once again. What-eva!
"Healthy" I remember you!
It would seem that my "healthy" switch has been turned back on. It's really a miracle that it's happened right in the middle of all of this stress. I've been eating more sensibly and have been getting in a bit more physical activity. It's been really great though, I'm feeling better every day. I just hope it sticks around.
Book Release
You know I couldn't resist mentioning that tomorrow is the official release date of Stephanie Meyer's book Breaking Dawn. Am I excited about this? How many languages can you say, "Uh... YEAH!" in? LOL I can barely stand the suspense! It also doesn't help much that with me being so busy I have no idea when I'm going to be able to actually read it. But I don't care! You can bet that tomorrow I will be heading out to the book store and buying this book. I encourage anyone who has read the Twilight Series to go get this book and for those of you who haven't read this series yet, "WHAT ARE YOU WAITING FOR?!?!" LOL
I think that's enough for now.
Happy Friday Everyone!
~ FC |
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