Maybe it's official....

Lots of stuff still going on with the house. After all of the chaos that was Friday, we had a fairly quiet weekend. I waited to hear back from Mortgage Lady because she said she was going to touch base with me on Sunday, but I didn't hear from her.

Yesterday morning, I got an email from a woman who works with Mortgage Lady. She needed some additional info (mainly documentation of that bill being paid off) and so we emailed back and forth several times until I got an email from her that about knocked me out of my seat....

Unfortunately {Mortgage Lady} is no longer with us. I believe that she is still going to finish the files that she has but she will not be in the {local} office.

Wait, what????!?!?!! What do you mean?!?!?! Mortgage Lady has been there for me from the get-go! She's been there since before I even started the process! How can she just leave me hanging like this??? Noooooooooo.......

After I got over my initial panic, Mortgage Lady 2.0 explained that she had been working with Mortgage Lady the entire time, and everything would be fine. She knows my story, she knows my file, and there is nothing to worry about.

Uh huh. Sure. Easy for her to say.

Anyway, more emails between me and Mortgage Lady 2.0, and me and Realtor Lady, and I started to think that maybe, just maybe things were going to be ok. They seemed way calmer about the whole situation than I was, so I did my best to take my cues from them.

I didn't have to work today, so after I got the boys to school I came home and started puttering around. I had gotten some empty boxes from work and decided to start in the laundry room, which has been a store room to a ton of games and toys that the kids just don't use anymore. I started going through the stuff and trashed the ones that were missing too many pieces, packed the ones that I want to keep, and posted the rest on facebook in the hopes that some of my friends would want to adopt some new games.

I actually made a little bit of progress, although there's still way more to do - but at least I got started. No more denial - time to start packing.

The Dude came over to hang out for a while this afternoon and we were talking about everything that has been happening with all of this. Then the emails started flying again. Long story short, closing is now officially scheduled for Monday, January 27 at 3:00pm.

Officially. Like.....it's going to happen.

*commence panic attack #745,812 of this process*

At that point we decided to go out and grab a (very) late lunch. As we ate, he tried to talk me down from my freak out (he failed miserably) and we just tried to absorb the enormity of what is about to happen.

As I go through this process, there are so many emotions that go along with it. On the outside, it's just me buying a house - not such a big deal. People do it every day.

But there's also the doubt, the fear, the caution that it might not happen. I know in my head at this point, it's going to happen. But it seems like such a stretch for me - ME - to be doing this. I've made some pretty stupid choices in my life, and none of them should have led me in this direction, but here I am about to commit to a 6-figure investment that in a way I feel that I don't even deserve.

I know that realistically, I could not afford to do this without the Social Security. And I am well-aware that I would not be receiving that if my second husband hadn't passed away. That makes this whole process more than a bit bittersweet for me. I still battle with the feelings of guilt over his death, even though I know that it wasn't my fault. I struggle with the thought that the money that Daniel and I get because he died is what is making the home of my dreams a reality for me - but at the same time, I know that I am doing the right thing by making sure that we have a home that suits our needs in so many ways.

I think about my battle to avoid homelessness a few years ago, and can't wrap my head around the fact that very soon, we will be in a house with 6 bedrooms and 3 bathrooms and more than enough room to meet our needs plus some.

Overwhelming doesn't even begin to describe it. Seriously, there are no words to describe how I'm feeling right now. I wish that I could explain it, and I will probably ramble on and on about it over the next few weeks as I try to work through all of it in my head. All I know is that right now, I'm caught somewhere between ecstatic and numb - and feeling maybe a little bit of both.

Progress.....I think.

*gasp*

Two blog posts in two days? Can it be????

Seriously though, I want to do better about this, plus use this as sort of a journal of the last leg of this house-buying journey.

Alex and Daniel didn't have school today, so we slept in a little bit. I had to get Alex to Wichita this morning for an allergist appointment, so when I woke up I knew we had to get moving fairly soon. I checked my phone to see what notifications I had, and there was an email from Mortgage Lady. I read it and quickly grabbed the laptop.

Basically, what she said was that the Rural Development people had already gone over everything, and there were a couple of things that I needed to do. One was to pay off a really really old bill - back in my past life, an old cable bill had gone to collections and stayed there. When we started working on my credit report, we ignored that one for several reasons, but we knew that it would probably have to be paid prior to closing on the house. When my file went to the underwriters, they made me pay off another one that was in collections, but never said anything about this one - so we hoped that they were going to ignore it. Long story short, they didn't ignore it, and I had to pay it. No biggie - I was prepared, plus today was payday from work so the money was already in my checking account. I dug up the number for the collection agency, called them and paid it in full before I even got out of bed.

I emailed Mortgage Lady to let her know. She would need verification as soon as they processed the payment so I called the collection agency back and they said that they would fax her the info.

The boys and I hopped into the GrandpaCar and took off for Wichita. The appointment went well and we grabbed a quick lunch afterwards. Another email from Mortgage Lady arrived - the "dirt work" has to be done.

"Dirt work" - another long story.

Shortened version - structural engineer inspected the house and it passed with flying colors. On his report, he put a disclaimer that he puts on every single one of his reports saying that there should be dirt put around the foundation sloping away from the house to help with drainage. Rural Development now decided that this HAS to be done. We had a feeling that this was going to happen too, so Realtor Lady already had a spare load of dirt dumped at the house (the woman is awesome). I tried unsuccessfully to locate a wheelbarrow on my way back from Wichita, and instead stopped and bought one. Seriously - I've been wanting one for a while (who in their right mind wants to buy a wheelbarrow? and do you know how expensive those things are? and how hard they are to fit in the trunk of the GrandpaCar?) so I just bought it. Boom.

Came home, changed clothes, bought lunch for The Dude, took that to him, tossed the wheelbarrow in the back of his truck, threw him the keys to the GrandpaCar, and took off to the house.

I spent the next 3-4 hours moving wheelbarrow loads of dirt from the driveway to the side of the house, as well as battling the boys to NOT throw piles of dirt in the driveway, and to stay out of the truck, and to stay where I could see them, and no I'm not driving across town just to get you a drink, yada yada yadaaaaa......

Suddenly another truck pulled into the driveway. A man and a woman got out and the man introduced himself to me as the seller.

Oooooooohhhhhhhhhhhhhh......so YOU are the man who has been a total pain in my ass since this thing started? I had to stop myself from saying it out loud. The woman with him was his mother-in-law, who also happens to be his realtor.

Great.

We actually had a very nice visit. We chatted about the house in general and I told them how I had immediately fallen in love with it. I told them about some of our plans, and as soon as I mentioned putting a clothesline in out back, I immediately got on the mother-in-law's good side and she joined in on the conversation. They shared a little bit more about the history of the house and I told them that I was interested in learning anything that they want to share about it. It was awesome, and they admitted that they were relieved that someone wasn't going to just buy it and flip it, but was instead going to fix it up and live in it and love it. I told them about how I had lost everything and was days away from being homeless a few years ago, and how that made this whole process so much more important for me. All in all I think that it was a great little chat and having that face-to-face interaction was a nice surprise prior to meeting over the closing documents.

I did find it amusing that he is planning to pay someone to move the pool table out of the basement just so that he can sell it. I told him that he is more than welcome to leave it there, but he really wants to sell it. I'm curious to see if it actually happens or not - it honestly doesn't bother me one way or another. It would be nice to have, but I can use the added floor space just as much as I can use the table.

Oh, and they're taking the rocks out of the one flowerbed. Yes, the rocks. But, in his defense they're from various camping trips all over the country, so they do actually have sentimental value.

He also warned me that the neighborhood can be kind of competitive when it comes to yardwork.

Ha. Bring it.

In the meantime, more emails back and forth. Mortgage Lady was having trouble getting the verification that she needed from the collection agency, so I called them again. As it turned out, I had to fax them something with my signature for them to release the information to her (and you didn't tell me that this morning because...............?????) and since The Dude's truck isn't equipped with a portable fax machine, I had to cut my dirt moving short, drive back to town, stop at my bank, scrounge up a piece of paper, write out the authorization, and have them fax it to Mortgage Lady. I emailed her to let her know that they now had the authorization - so hopefully she got what she needed from them.

Back to the house to dump the wheelbarrow into the garage, then to The Dude's work to swap vehicles with him, then out to grab something to eat. Then home again.

Baths. Cleaning. Laundry. Preparing to go back to work tomorrow. Hoping that The Dude is over his stomach bug enough that he can handle the boys all day while I'm stuck in Fast Food Hell. Still trying to figure out how to deal with this whole job thing. Making lists of things that need to be done in both houses before/during/after the move. Hoping to win the lottery just to make life easier.

Just another day.....

It's been a little while.....

So yeah. It's been a while since I've blogged anything. I've been wanting to, trust me. But I just haven't had the time or the energy.

Here's a nutshell for you:

Things are still progressing with the house. Like......all we're waiting for at this point is a date to close. The file went from the underwriters to the Rural Development people a couple of days ago, and RD is taking an average of 10 days to do their thing right now. Once they do their thing, all that's left is the closing. So I have reason to believe that I'll be a homeowner within the next few weeks.

Then there's the job. I've talked about the stress before, and it's really only gotten worse. Although CrankyPants hasn't been as cranky lately, she still has her moments. Not to mention that the job in general just sucks. I'm still not a morning person, and add to that being on my feet for 8+ hours straight without a break, and I'm miserable. I come out of there hurting so much by the end of the day that I can barely walk, and I can't get anything done around the house because I hurt so much.

Then of course there was the whole issue with my van finally self-destructing. It's still sitting in my backyard, dead - and it needs to go away. But I need to find the time to get it cleaned out and list it for sale. Or scrap it. Or something. Add that to the list of things to do.

I borrowed a friend's itty bitty car for a couple of weeks until I could buy my GrandpaCar - literally, it belonged to a friend's grandfather. It's not the most ideal vehicle for us, but I was limited because I can't just go out and finance something while I'm waiting to get the approval for the house. But, it works and it gets us where we need to go. It has a few quirks and needs a little bit of work done to it, but that'll hopefully be taken care of in the next few weeks sometime.

Add all of that to the normal stress of our everyday life, running kids to and from everywhere they need to go, trying to spend as much time as possible with The Dude, dealing with random health issues, handling landlord/maintenance issues in my current house, and trying to maintain some semblance of sanity - and you can imagine how hectic it's been.

Seriously though....the biggest worry on my mind right now is my job. I keep making lists of pros and cons in my head, and I can't really come up with anything good about it except for my coworkers - and I don't have to have the job to keep in touch with them. The hours make it extremely difficult for me to do much of anything for myself - and I find myself getting less and less sleep just to try to get the basics done. The job is making it harder for me to take care of myself - and if I don't do that, I'm just not going to make it. I know that right now, I've about pushed myself to the limit, both physically and mentally. I just don't think that I can do it anymore. Being in the fortunate position of not needing the job to survive makes it harder for me to go in every day - because why would anyone put themselves through this if it wasn't needed?

So at this point, I know that I'm going to quit - I just don't know when. I want it to be sooner rather than later, but I also have to make sure that the drop in my income won't affect my chances of getting the final loan approval. I qualify for the house even without the job income - but I don't want to risk it. I sent an email to Mortgage Lady asking her opinion on it, and I'm waiting to hear back from her before I do anything.

That's where I am. One big stressed out and anxiety-ridden mess.

But it could be worse. It could always be worse.

Crazy busy thankful

Life is crazy.

And by that I mean absolutely positively unimaginably insane to the nth degree. And then some.

Popcorn sales for Scouts. As treasurer,
I've had my hands full.

Daniel and I helped unload a tractor trailer full of Christmas
trees. We'll be spending every spare moment at the Scout
tree lot until the last tree is sold.

Sarah celebrated her 14th birthday - and had
basketball games on the same day. The 3 oldest
are all playing now - so life revolves around
basketball AND Scouts.

The Dude and I celebrated our 2 year anniversary.
Still trying to wrap my head around that one.

I sat down during my break this morning at work and paid bills - and officially paid off the last of my debt. All of my old debts from my previous lives, all of our medical bills, all of my credit card bills, the van - those payments are all gone. GONE.

I am literally debt-free..... until.....

The biggest thing of all right now.... is the house situation. I haven't really said a whole lot about it since I posted those pictures - but I'll fill you in now.

I officially made an offer on it last week. The seller countered, I countered his counter, he countered my counter of his counter....and it went on for several days like that. He was being obstinate and pretty much refused to budge on anything. We finally reached an agreement and I did all of the loan paperwork on Monday. The inspection is scheduled for December 9, so as long as everything goes well and there isn't anything major wrong with it, I'll close on January 25.

Here's the catch. The seller - is stubborn. He doesn't want to do anything to the house. He doesn't want to allow room in the price for repairs. He just wants to get rid of it. So, if there's something wrong with it, we'll either have to fix it ourselves or give up on the house. I am trying desperately not to get my hopes up because I know that it'll just take one big bad thing on the inspection to lose this. I have the day of the inspection off from work, and I plan to follow the inspector around so that I can see first-hand what needs to be done - and then I can make a decision as to whether or not it's something that we're willing to do.

Needless to say, I'm an anxious nervous wreck right now. And I couldn't be happier about it.

Could this be THE ONE?

House hunting isn't for sissies.

Look at the natural light, and not the carpet.

The Dude and I have now looked at about 15-20 houses over the past 6 months or more. Some of them - we really liked. And some of them - not so much.

But we saw this one last week. And then we saw it again today. And we're in love.

It was built in 1967. At the time, it was *the* house in the town. It was *the* location for dinner parties and open houses. People actually paid money to walk through the house during the holidays to look at the decorations. The owners were very active in the community and were very well-loved and respected.

It will be worth getting a landline just to see if it works.

Time took its toll. He passed away in 2004. She passed away earlier this year. Judging from the appearance of the house, although it was well-maintained, it was never updated. Almost everything is original.

Counting rooms in the basement that can't be advertised as such, there are 6 bedrooms. Six. One for everyone.

There are 3 bathrooms. Three. As in, 3 toilets - so 3 people can use the bathroom at one time. That in and of itself is a major selling point.

I think the Bradys might live next door.

There are 2 fireplaces. There is a 2 car garage. There are 2 kitchens. There is a huge yard. There are a ton of closets and cubbies and places to store things.

It's hideous.

And we love it.

We love the gaudiness of it. We love the crazy wallpaper and the funky light fixtures and the unusual room dividers. We love the location and the yard and the amount of work that it's going to take.

The fixtures. Look at the fixtures.

We know that it won't be an easy job - but we also know what we want to see in this house, and we both feel that we can do it.

So....while nothing is official yet, we have let our realtor know that this is the house for us. She is going to get the ball rolling to see if we can get into it.

The price is right. The payments would be well within the affordable range.

All of the kids would finally be in the same school district.

All of the kids could finally have their own bedrooms.

I could finally own a home and stop paying rent.

For some reason, I love this gaudy wallpaper.

There are so many positives right now. But of course there are always negatives. There are inspections and other hurdles to jump before we can say that we're officially planning to buy it. At this point, it could all still very easily fall through and we could not get this house.

But, at the same time, things could very well fall into place.

Only time will tell.

Natural light. Built-in shelves. And that light.
What's not to love?

Love. Just...... love.

One of the fireplaces. And built-ins. And The Dude.

Second full kitchen - in the basement.

The basement definitely needs TLC.

Seriously. That's only part of the yard.

*** Just a reminder - if you know me (or even if you don't) and you know where this house is, please don't say it. We all know it's in Kansas, but just leave it at that, ok? Thanks!

Merry Hallowthanksmas

I saw a facebook status from a friend of mine today, talking about the controversy surrounding businesses that are choosing to be open on Thanksgiving Day. The comments on that status ended up leading into a fairly heated discussion about who was right and who was wrong in the Shopping vs. Not Shopping and the Open vs. Closed  arguments for that day.

You want to know what I think?

Seriously folks - there are so many more important things in the world to argue about, you know? Whatever you choose to believe in this scenario is YOUR opinion. Yours. Not mine, not your friends', not anyone else's but your own.

I've got news for you - society doesn't define YOU as a person. You do.

If you don't believe that anyone should shop on Thanksgiving Day, then don't do it.

If you don't believe that a business should be open that day, then don't patronize them.

If you want to go shopping that day because you like the challenge and you want the bargains, go for it.

If you want to sit around in your underwear all day scratching your butt, guess what? You can do it. Just remember to wash your hands afterwards, ok?

I choose not to shop on that day (or Black Friday for that matter), and it's not to make some sort of crazed societal statement. It's for one main reason - I hate to shop. Seriously. Hate it with a passion. Mix that with a general intolerance of rude people and it's a deadly combination. So I don't do it. I don't need a bargain badly enough to deal with that kind of nonsense.

Those people who argue about "the employees deserve to spend the holiday with their family" - ok, do you personally know EVERY SINGLE PERSON who is working in that store? Do you know FOR A FACT that they didn't choose to work that day to get the holiday pay, or that they don't have family, or that their family is celebrating the holiday on a different day, or that they volunteered to work that day so that others could have the day off?

I'm working Thanksgiving Day. Why? Because to me, the holiday season isn't dictated by a calendar. It's a SEASON. We can have our Thanksgiving dinner on Thanksgiving Day, the day after, the Saturday after (more likely because I'm off that day), or on the 4th of July - it doesn't matter when it happens. It's a season, it's a way of thinking, and just because it might not happen on the 4th Thursday of November at 1:00pm doesn't mean that it is any less meaningful for my family.

I'm working so that other people can have the day off because their families won't work around their work schedules for whatever reason. I'm working to suck up 8 additional hours of holiday pay. I'm working to sock a little bit more money into our "Home Sweet Home" fund to get us into a new home. I'm working because I don't allow the calendar to dictate my life.

We as a society have become conditioned that we must have the newest-biggest-best-shiniest-fastest-most-expensive things and we must have them first. Just look at the people who camp out for days in order to be the first to get the newest-fastest-best iWhatever - it's become a normal part of society. Some people like that sort of thing, and some people don't - doesn't make anyone wrong or right.

If you don't like it, then don't participate. If you do, then have fun and I hope that you get everything that you're searching for in that store while experiencing (and inflicting) the least possible amount of bodily harm.

But for crying out loud, stop with the judgmental crap. Leave that for the important stuff.

697 days

We reached a milestone today.

697 days.

Daniel was born on June 10, 2007. On May 6, 2009 - I told his father to leave our home for the last time ... 697 days later.

Daniel and I met The Dude for the first time on November 25, 2011 - 697 days ago.

As of today, The Dude has been a part of Daniel's life longer than his biological father was.

It's bittersweet for both of us. I asked The Dude today what he thought about it and his response was "conflicted". He's glad to be a part of Daniel's life, but at the same time he feels bad that Daniel will never get to know his father.

Honestly, it's the same for me. I know that his father loved him. I know that he had the potential to be a great father. But it just didn't happen that way. The addiction was too much to overcome and it tore our family apart before it took him away from us forever.

But, we have a good life now. We have come so far as a family and we are finally in a good place. The Dude has been amazing to all of us. Daniel looks to him as a father and I am so incredibly thankful for that. He knows that he has another father - but he also knows that The Dude is there for him and loves him even though there isn't a biological connection.

At his age, Daniel doesn't realize the significance of today. I've been thinking about it for weeks, because not only do I realize what this means for Daniel, but I realize what it means for me. I never dreamed that I would allow anyone to become such a huge part of our lives, but yet somehow, The Dude has wormed his way in and he still claims that he plans on staying. We have gone through so much crap in the past few months between work schedules and house hunting and injuries and illnesses and vehicle breakdowns and stress and chaos and panic - and yet we're still hanging in there (and creeping dangerously close to our 2 year anniversary) and doing everything that we can to care for our family - even if it's split between a couple of different residences for a few more months.

Life is good. Crazy, chaotic, and not always predictable, but it's good.