Tag: closing

The Neverending Closing #NaBloPoMo

I have the theme song for The Neverending Story stuck in my head now.

Mortgage Guy™ emailed today and those two pesky accounts are still listing Mr. Brickie as an authorized user even though I took him off those accounts at the end of August.

In case I haven’t said, Mortgage Guy™ said that the letters the companies gave me stating he had been removed were not good enough because “things can be altered” so we had to wait for them to not show up on the credit report anymore.

Now I’m over here and I know beyond knowing that I was removed as someone’s authorized user when I was 15 and that card STILL showed on my credit report when I was 21 and so I never thought it was possible all these cards would somehow magically disappear from his report.

I have probably also mentioned that the amount it would cost to pay off the two cards in question is the same amount we have in the bank right now set aside for closing. We only have enough to close or pay off the cards, not both.

Today, though, he’s saying we just have to pay off the smaller of the two cards and now my ears perk up because yes that sounds like something we might be able to do. I email back and verify we might be able to do that fairly soon because he’s coming back into town and it sounds like he’s going to start working right away as long as it’s really just the one card we need to pay off.

He says it will take too long to pay it off and wait for the credit report to update so we can pay it off at closing and now I’m like WHAT?! we never knew that was an option or this could have been done a month ago. Now I email him back and I’m like, “Hey there, so we just need to have $9700 in cash for closing then or whatever $8k + that one card’s balance equal? Okay then, I’ll talk to Mr. Brickie when he gets out of meetings tonight and we will see if we can find a way to make that happen and I’ll let you know how soon it will be.”

He just emailed back that my math is correct and now I have to somehow come up with $9700 to close on this place.

Right now, in all accounts including THE CHILDREN’S accounts because I’m trash and will borrow money from my children. (Hey, they live here too and I will pay them back. You haven’t seen a refractory paycheck yet I don’t think. Yeah, we can pay them back right quick.)

Checking: $6795.94
Kids’ Savings: $1142.35

So we’ve been floating with $7938.29 (I just paid the NIPSCO bill so that’s why there’s a hair less than $8k) and now we have to make $9700 happen. (Technically that card has a balance of $1871.56 so we actually have to prove we have $9871.56 to close.)

I may tear all the hairs out of my head in ten seconds.

If we can get him back on a night shift he’ll make a hair more than that in a week for take home but that doesn’t include paying bills.

I really want to walk away but I don’t think that’s the right choice. If we couldn’t afford the place I would walk away and not feel an ounce of pain over it, really, I am over having some deep desire to own a house and I am totally over giving a shit what anyone thinks of my rent/own situation in life. I don’t need to own a house to feel fulfilled or secure.

But we’re here and the price is right and we can afford it fairly easily once we get past the closing stuff and I have given it to the universe and the mortgage company haven’t pulled out of the deal so I guess we’re staying. We just have to find two thousand dollars. Or conjure it. Or borrow it.

I’ll talk to Mr. Brickie once he’s done today and figure out our next steps.

My hair tearing moment has passed. It’s only a house. This is only a process. None of it means anything in the long run. We will either close or we won’t. We will come up with the money or we won’t. Either way is fine and in ten years we’ll look back and know in our hearts whichever way it went was really for the best because that’s what humans do and I am deeply and totally human.

No matter what my kids might tell you.

It’s Dark and Everyone is Sleeping #NaBloPoMo

I considered doing National Novel Writing Month this year but then decided against it because I’m in a place where I’m saying, “No” to everything. Okay, not everything. I’m saying, “No” to everything that isn’t “Yes” to me for the rest of the year.

The kids and husband are part of me, so they don’t have to worry.

I’ve been hesitant to mention this but Mr. Brickie is out of town. He went out of town on Sunday and will be gone until next Friday. A full 12 days gone.

Up until this point in our fifteen year marriage we’ve been apart for two nights, tops. Part of that is because we had nowhere to go separately but another part is absolutely by design.

He’s in Maryland for a couple of certifications. Originally he was going to be back next Wednesday but then it was recommended by someone he knows at the Union to do a two day add-on class so they switched his plane ticket to Friday and he’ll be getting two certifications while he’s gone.

From the sound of it he’ll go straight back to work once he’s home. I’m not 100% sure on that but the signs are good.

I thought I’d be a wreck without him here. So far, I’ve been okay. He calls and we talk for an hour in the evening before he goes to bed (thank goodness for video calling) and says goodnight to the kids and then I put the kids to bed.

Then I have an hour or so to myself and I have to tell you, it’s really peaceful. Like, really really peaceful. I plan what I’m going to do the next day and have a cup of tea and decide to participate in National Blog Post Month (or NaBloPoMo) because no matter what else happens I can’t seem to stop writing.

The biggest fear I had with Mr. Brickie being gone was Halloween. I have the anxiety thing and Halloween is the hardest day of the year. So many strangers. My older two ended up taking the youngest trick or treating without me. I stayed home with my phone ringer up as loud as it could go (in case they called for a ride or needed something) and read a book.

We still haven’t closed on the property and can’t until Mr. Brickie is back in town so that’s still hanging in the air being mildly annoying.

I’m really excited about these certifications. There’s a lot of money in this skill set and a lot of places in the Midwest that need people. It’s all indoor work (as far as I understand) so it’s not affected by the weather. That means we may not suffer through winter waiting for the weather to break this year! (He couldn’t get these certifications or do this work as an apprentice.) The thought of being able to really have a quality shovel to dig out of debt is absolutely thrilling.

A great side-effect is knowing the house and family don’t fall apart if he travels. He knows of someone who plans to go to South Korea for a fifteen month gig and it’s a serious payday but Mr. Brickie just laughed when I asked if he would consider it and told me there was no way he’d stay away from his family that long. I couldn’t argue or complain with that. I did semi-jokingly float the idea that we could retract our offer on the duplex, all move to SK for fifteen months with him, and call it an adventure! He considered it for a little bit with me but ultimately decided we love our current plan and want to stick with it.

The last hurdle for me as “person who does all the grown things” while he’s gone is getting the older two to the SAT on Saturday. No, they’re not in high school yet…It’s to see if they qualify for opportunities with the Northwestern Talent Search. A nice bonus is taking the SAT a few times before they’re in high school will make them more comfortable when they take it for college application purposes. This all started because the youngest scored high on a couple of standardized tests so I got her checked out by an individual who specializes in tests and lo and behold now she’s taking the PSAT because she’s going to get noticed by the Northwestern Talent Search and once she was in I thought I might as well have the other two test as well since they are also gifted.

It’s not something I think about a lot or dwell on, but it is part of the parenting duties, so I do the research and make the best choices I can.

The budget is still a wreck because we are only spending the bare minimum to get by in order to keep the closing money in the checking account free and clear. According to the mortgage guy, even though we only need X amount of cash for closing, in order to get the green light from underwriting we need about 3k more than that in our checking account. I don’t understand why and the way he explained it I don’t think he understands why, either.

So money that could pay off/down credit cards has to sit in the checking account. I try not to think about it but I’m not good at not thinking about things. I want to be done with the closing so I can do a normal budget and get to tax season so I can go back to pre-paying the mortgage with the tax return. Since we won’t have a November lease I can use the entire tax return toward the mortgage and see how far that gets us. I’ve gotten spoiled not having to worry about a monthly housing bill and I’d like to get back to it as soon as possible.

For now, though, it’s time to go to bed. Happy All Saint’s Day, whatever that means to you. Tomorrow is All Soul’s Day so we will put out an extra plate for the souls who are not with us anymore. Next year I think I’m going to let my spirituality freak flag fly a little more, too.