Let Me Upgrade Ya

Today Mj and I woke up and left for work at the same time. Why is this significant? Because it's officially his first day back at work since November and the first day of his new job. He looked so cute in his button up shirt, tie and sweater. I almost had a nervous breakdown when he spent about $1,300 on work clothes Saturday. Yep. Over a grand. In one day. On top of the $350 he spent last week before he flew to VA for training. Oh, and this is supposed to be the first month of his new budget that will get us on track for buying the new house. He is not used to having to wait when he wants and/or needs something. Being on a budget sometimes means you can't get it all now and that is something that might take a while to settle in. It really rattled me but I can't get too mad about it because it is for work and suits are not cheap. It is also the extent of his shopping for work clothes for the year. Most of his work clothes are still in storage and he can't get to them until we move into the new house so he had to do something.

Speaking of which. They start building it on Thursday. We are going to go out to the site on Saturday and meet with the builder. We had our design browse appointment on Sunday and ended up with a whopping $10,137 dollars in upgrades. I thought our loan agent was crazy when she said that she was giving us $10,000 for upgrades. Yeah right! It adds up so fast that it makes your head spin though. Also, a lot of the so called up grades are less of an upgrade and more a basic necessity. Like a garage door opener. How are you going to sell someone a garage and not the automatic garage door opener part in this day and age? Oh, and who ever thought that medicine cabinets in your bathrooms or an extra clothing bar in your closet would be considered an upgrade? We did go for some upgraded carpet, kitchen appliances, and doors among other things which definitely added up but a lot of the upgrades that we got were just little things that they get you on that should probably come with the house in the first place. When all is said and done $10,000 only adds $100 per month to your mortgage. Not that I don't think every $100 counts but by the end of this process I just kind of threw my hands up and went with it. We will get what we want in the house and be done with it.

The paperwork on this is never ending. Bank statements, W2's, pay stubs, VA documentation, letters of explanation and it just goes on and on. We got this huge packet in the mail-half of which I don't even understand and had to sign just about every page. They are waiting on one last bit of information and then we will be officially submitted to the underwriting department for final review and approval of our loan.

It's been another busy weekend capped off with the Superbowl on Sunday. I really enjoyed watching the game with my family. I have a bit of a snack food hangover today so I am feeling slow and heavy which I hate. We were out all day and finally made it home around 9:00pm where I collapsed into bed just as soon as I could. I forgot to take my sleeping pill before getting into to bed and was too tired to get up and take it but I somehow managed to sleep ok without it.

Another busy weekend down and many more coming up.

Cont'd: Under Contract, Now Where's My Loan?