Monthly Archives: March 2012

It felt surprisingly weird

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Last week, a girlfriend and her husband closed on their first house.  Their home-buying experience was not unlike most these days.  It was arduous from start to finish, there were delays, there was emotion, frustration, and disappointment.  And then, as closing day approached, my girlfriend expressed to me that she felt like she couldn’t allow herself to be excited because she was waiting for yet another postponement and further disappointment.  This would be the third closing date they had set, so what else were they to expect?

It’s tough to be excited about something when it feels like it’s being dangled over your head.  These days, home-buying requires more patience than ever.  And it almost requires a heart of steel.

I write about their experience because I have reflected on it a year after we closed on our home.  I have especially reflected on one of her status updates to Facebook:

“We started moving into the house yesterday, which felt surprisingly weird.”

This was validation for me, because I felt the same way after we (finally) closed on our home.

Our Realtor walked us out after we were given the keys, and I asked “So now what?  What ball drops now?”

After a repeated performance of disappointment, I wasn’t believing it was over…and just like that…quickly…after months and months of waiting and high-strung emotions.  We were always getting excited over what always wound up being short-lived good news, and I had been conditioned [thanks, Pavlov] to expect it to be that way…possibly for eternity.  So, even though we had signed closing papers and had keys in hand I completely expected there to be bad news headed my way.  I was sure of it.

Our Realtor laughed, and then reassured me that the house was ours.

And that was it.  Eight months of emotional highs and lows and it was just…over.  Quickly.  It was…weird.

I felt a little guilty that I wasn’t truly excited.  I was afraid to be.  We moved in, and well…that felt surprisingly weird, too.

It wasn’t until months later after living in the home and making it ours that it sunk in.  We weren’t renters anymore.  This place is ours.  Wow.  And THAT’S weird, too!!

It was just a Monday.

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Yesterday was just a Monday.  A crappy, typical hectic Monday, and yesterday was especially so.

It started Sunday afternoon when one of our credit card companies called us to say we missed a payment.  “What?  That can’t be.  We scheduled that payment through our bank.”  Long story short, we said we would look into it and get back to them.  Upon further inspection, we don’t know how it happened, but the payment didn’t go through.  There was no record of it being scheduled.  The downside of eBanking.

We agreed that hubby would call the credit card company back on Monday (yesterday) and get it all sorted out.

While at work, I received a call from hubby.  His words were: “I’m looking into it, but they have a note on our account that we are in bankruptcy.”  I was overcome with panic, anxiety, fear, anger…all at once.  To be clear…we are NOT in bankruptcy.  We were both pissed.  We have worked hard to keep our finances straight, and now this.  How did this happen?

After a brief conversation, he hung up to continue the round-robin of phone calls and threats involving the better business bureau to figure out what happened.

In the meantime, I called the mortgage broker to notify him because we are in the middle of a re-finance.  We can’t have that on our credit, and we needed him to know in case he was notified of all this.

Apparently, the guy who called on Sunday made the notation of bankruptcy on our account…complete with the name of a lawyer!  After hours of phone calls and being transferred from here to there and back to here to there…we think we have it corrected.

I will be writing a letter to the appropriate very-high-up-person at this credit card company to do some ‘splainin.’  Hubby gives the guy the benefit of the doubt and believes it was an honest mistake made by the guy who called him Sunday afternoon.  Perhaps he was going down his list of people to call and didn’t close out from our account and made their notations on our account.  It’s possible.   Humans make mistakes, but this was a MAJOR mistake which could have cost us (literally) if we hadn’t noticed.

I sincerely hope it has all been straightened out and that our credit is clear.  Still a little anxious about that.

Sometimes ya just gotta go with the flow

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As I said in my last post, my goal for my weekly spring cleaning project was to vacuum all rooms and straighten closets.  That didn’t happen this weekend.

Hubby sometimes starts a project and it turns into a series of rabbit trails, meaning he starts one thing and it spirals into a few other projects.  He’s also task-oriented which means he cannot walk away from something until it is finished.  He won’t walk away from it.  Other wives probably think this is great because he finishes the projects he starts; however, it causes stress when there are other things to do or when it is taking forever to finish what he started.

We ended up cleaning the garage on Sunday.

It all started innocently with a project he was working on, and it spiraled into cleaning the workbench, sweeping the floor, cleaning some tools, and putting some stuff up in the attic.

Vacuuming is now my project for this evening after the gym.  Otherwise we will be overcome by cat hair and dust.