Things We Considered Before Buying New Contruction

When we started looking at houses our priority was a decent location, price, and a list of must have's that we were really, really hoping we could get. We tried to keep that list as short as possible. The part that stressed me out the most is that we had a home we would have to sell, before we could buy something else. I wasn't hopeful that the stars would align so that we would find a buyer for our house, and get an offer accepted on a home we wanted to buy at the same time. Between house hunting, making your own house available for showings, negotiations, inspections, and funding there are a lot of variables that need to pan out in a timeline that works for the buyer of our home, the seller of the home we want, and us. People do it, but I don't know how, without selling your house, renting, then doing the home search from there. We definitely wanted a newer or updated home. We didn't have our mind set on buying new construction, but doing so did streamline the buying/selling process. We didn't have to worry about competing with other offers, or trying to time out multiple closings. Sometimes the builder negotiates with discounts or credits, but the price is the price, and it's first come first served. Once you pre-qualify, sign the contract and hand over earnest money the house is yours pending funding, and any contingencies, such as selling your current home are taken care of. We ended up moving twice anyway, but we had a closing date, and could plan for it.  Having everything new is nice, but there are a lot of things we had to consider.

The Moving Diet & Exercise Program

I don't mean to sound like a whiner, but I have to say that moving was a really really terrible experience. Something about putting every single thing I own in the entire world into 24" boxes was almost enough to send me over the edge. I felt so overwhelmed. My husband has more experience with moving and living in limbo. I have to give him a lot of credit for taking the lead and pulling me along. He knew what packing materials to order, and how to pack all of our glass while I stood stunned and motionless in our bedroom. Time was limited, so I knew I needed to do something, but I looked around and just didn't know where to start or how to do it. He takes everything in stride, and it didn't bother him too much, but the disarray in our house, having to decide what to put in storage for three months and what to keep, and the pressure of having to make everything disappear in three days was a lot for me to handle. We purged a lot of things from our house in preparation for selling...and still I felt so disgusted by all the stuff we had to move. It really makes me want to get get rid of everything! Burn it all!! Well that won't happen, but this experience has definitely renewed my desire to continue working towards becoming a minimalist or at least a quasi minimalist.

Moving Sucks, Moving Twice Sucks Harder

Real estate is weird. I feel like everything happens backwards. You sell your house when you don't yet have a place to live. You buy a new home, before you've sold your old one. You pay a hefty commitment deposit and agree to buy before you've had a home inspected or even built. You choose flooring and other design elements when the necessary funding for it won't be finalized for weeks or months. Every single  detail for moving or buying a home has been set in place, yet nothing is truly final until those keys are in your hand. None of this makes any sense, whatsoever in my head. Nothing is done in the order you'd think it should be done, and yet this is how it works.

How can anyone function like this? The answer is very stressfully.

Model Homes

The other day MJ and I went looking at a new home community being built near our neighborhood.  Are we in the market for a house?  No, absolutely not.  I love our house.  I never want to move ever, even though my husband has already decided that someday we will.  Today is not that day, but I've had a thing for looking at model homes ever since I was a kid.  I was the one always begging my mom to stop and look at model homes anytime I saw a sign with an arrow pointing this way, for no other reason than because I loved the perfect decor, and imagining what it would be like to have my very own model home some day.  Being there at the model homes, by the same builder as our house brought back so many memories from our home buying journey.  The price sheet.  That new home smell.  The beautiful decor and brand new everything.  This time, it was just for fun, but back then we wanted a house so badly and looking at model homes was the same thing as looking at what we couldn't have.

Model Home viewing 2016-Love this room!!!!

I thought I would enjoy house hunting, but I didn't.  It didn't consist of leisurely strolling through perfectly staged model homes and picking out the one we want.  It was stressful.  It consisted of spending every waking moment scouring listings, viewing homes, and sometimes feeling like an intruder marching through people's homes while they quietly sit on the couch watching TV.  We only did it for about three months, but I could already see how time consuming and how impossible it was actually going to be.  A lot of people were still scared to buy, but there were enough buyers taking advantage of low prices, that you had to get there fast.  No matter how fast you got there, or how much over asking you might be willing to pay the cash offers were winning it all.  MJ was between jobs.  While not the ideal situation for getting financed, it helped that he had extra time during the weekday while I was at work.   After seeing disappointing house after disappointing house, I was exhausted and I was over it.  One day, it was a cluttered house that smelled like moldy cat.  Another day, it was a house missing the front part of it's stove.  It was starting to look like we had a choice between a fixer upper or a move-in ready condo, but we didn't want to do a lot of work and we didn't want a condo.  We found a large low priced, home with stately columns inside that we liked enough even though it needed work, but I don't even think we could find out the status.

One Sunday after viewing homes with our realtor, we decided to stop by a new home community close to where we were living just for the heck of it.  She'd mentioned it, but we didn't bring her with us, because it really wasn't an option.  We just wanted to look.  We went into the office that routes you to the model homes.  They handed us a printout of prices, and it was exactly as I expected.  Too much.  We marveled at the beautiful decor and breathed in the fresh new home smell.  It was exactly what we wanted, if only we could.  Upstairs laundry room, half bath downstairs, and double sinks in the master bathroom.  There were three models and each one, was a little bit smaller than the next, but they were all gorgeous.  I could see myself living in any one of them.  "Well, it would be nice.  But we can't afford it," I said with a sigh when we walked out.  It would be a miracle if we found a home at all, let alone a new one.

We continued searching MLS listings every day, and wondered if we would ever find the right one, let alone by our fast approaching wedding date.  We were crammed in a 400 square foot studio, planning our wedding, and house hunting.  Money was flying out of our bank accounts at an alarming rate and I was stressed beyond belief.  We put in an offer on a nice condo.  We didn't like the apartment style parking situation outside, or the high HOA fees but our options were limited.  We were also nervous about the commute, but we were running out of time and like most people in California on a tight budget we'd have to take what we could get.

It was MJ's idea.  "You know what?  Maybe we should consider the new build."  We wouldn't have to battle it out with ten other buyers.  By the time we paid hefty HOA fees at a condo, or paid over asking just to get in, we might be better off.  It was more than what I wanted us to spend, but I agreed.  We rushed over to the new build, and made a quick decision to do another credit check by the preferred lender so we could get in on the current phase pricing. 

The model of our house

A few days later we signed the final contract, and it was ours.  But what had we done?  The base price got us a builder basic square box with walls.  We hadn't even been to the design studio yet.  There were still hurdles that we didn't even know we'd have to jump through, but it was the moment the house was officially ours.  Nervous but excited, we went over to the model home again and viewed it with a different set of eyes.  Before, it was "Oh how nice, I wish," and a glimpse of something we couldn't have.  This time was different.  It wasn't just something we wished for, it was something that we had.  We'll have room for a king size bed in the master, and an oh my gosh walk in closet.  I ran my hand over the cool stark white bathroom counters and could hardly believe it. I was so excited.  "We did it," I said to him.  We hugged and kissed in the entry way, and it was a triumphant and happy moment for both of us.

Our growing neighborhood in 2010

We chose flooring and kitchen cabinets at the design studio.  We visited the ditches, which became the wood frame, which became our house every week.  After a few setbacks, we finally secured funding.  Back and forth we went to the model homes measuring rooms, and visualizing where everything would go as we shopped for furniture.  Three months later, and we had our very own model home.  Well, not exactly.  We couldn't afford all the upgrades, so we had to do some of them later.  It is not as exquisitely decorated.  Believe me I tried!   We don't live in a magazine ad, but we have lived there happily ever after for almost six years, and it all started with a walk through a model home.  Just for the heck of it.

Our home buying journey

 
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1 Year House-iversary

 Under Construction

We didn't officially close until May 24th, 2010 but we signed the documents on Thursday and were given the keys on Friday May 21st that allowed us to move in. One year ago we packed up our moving truck and finally got to move into our new house.  I remember this overwhelming feeling of relief and happiness mixed with exhaustion as we pulled into our new neighborhood.  We weren't there to sign some documents or measure one of the rooms.  We were there to stay.  The house hunting and home closing process was so stressful.   You almost don't believe that the house is really going to be yours until the keys are in your hot little hands.  By the time you get towards the end of the home stretch you are so anxious and you just want it so bad.  You want to be excited that you are buying a house but it's hard to because for every step you bypass there is another step around the corner that you have to get through in order to make it real.  Should we buy points? Would we get money towards our closing costs? Turns out yes. What will our interest rate be? It ended up nice and low.  But getting answers to those questions was excruciating at times.  At one point we had to scramble to get a back up loan in place then we didn't even know if we'd be able to close on time and move in when we had already scheduled our moving truck. The knowledge that at anytime something can go wrong and the deal could fall apart was always in the back of my mind but it got to the point where I just had to let it go.  It was out of my hands.  We provided every scrap of documentation that we were asked for, sometimes repeatedly and if this was meant to be then it would be.  And it was.

Thank goodness because if the stress of buying a home wasn't enough to drive me mad then the stress of living in a too small home surely would.  Two people, 400 square feet.  Not good.  I felt like I was being suffocated.  I'd lived there for five years and had already outgrown the studio, street parking, community laundry lifestyle but now there were two of us and I was OVER IT!  I hear all of these stories about a trend in mini houses and couples minimizing their lifestyle living in 200 square feet.  That sounds all nice and good and I'm all for downsizing and getting rid of excess but c'mon.  That is just not comfortable or natural on any level to sustain.  Like your job, if your living situation isn't right it affects your whole outlook on life.  Everything else is filtered through this lens of discontent.  I was just aching for space.  Aching to breathe and make my day to day life more functional.  It's not just about potential investment so the decline of the real estate market did not sway us a bit.  Like a lot of people out there.  We still wanted to buy.

Almost done

When I come home to our house I still love it just as much as the day we moved in.  It might not be the ultimate dream home but I don't feel like we settled either.  We got everything we needed and a heck of a lot of what we wanted.  I remember when we first walked through the models.  Our Realtor told us about this new development that turned out to be down the street from where we lived.  As we walked through, many of the features satisfied a lot of must haves on our list but I would not allow myself to get excited or even really consider it.  We were just looking.  I checked out the walk in closet, dual sinks and the cute little loft area with longing.  I remember walking out of there and saying, "That house would be perfect for us, but oh well.  It's too much."  We took the paperwork from the sales office but dismissed it as we continued with our house hunt. 

We could already see how difficult it was going to be to find a house that we liked in our budget.  There seemed to be multiple offers on houses within minutes of going on the market and you know what that means.  A bidding war.  And you will always lose against offers with cash or a hefty down payment.  It was like a full time job.  You had to be on those listings and you had to go see them fast which was hard to do around our work schedule and wedding planning.  Some of the houses we were looking at were beat up and we are not the fixer upper type.  We also started to get cold feet about the 1 hour Northbound commute to work every every day.  Suddenly the new house started to look better and better.  While still not centrally located, the Eastbound commute is only about 30 minutes, the HOA was low and there were no pesky Mello Roos like the other area we were considering.  Oh, and wouldn't it be fun to pick out all of our design features?  About a week later we went back to see if we could make it work.  It was about 25K more then I wanted to spend but  we wanted out of the studio and with our wedding coming up in six months we didn't want to spend a year house hunting.  We couldn't get everything we wanted but I think we paid a reasonable price for the house we got.  The payments are comfortable, once I got used to the number and I don't feel that we are house poor.  Just regular poor!!  

All moved in

We saw all kinds of horror stories on the net about our builder but it's been smooth sailing for us.  Being a new construction we had a 1 year warranty period for them to fix up any little thing that needed fixing.  No matter how small we called them because we could.  It was like still having a landlord.  We still have a long term warranty for structural defects and a lifetime warranty on the roof but we are officially on our own now.  The home decor is an ongoing work in progress and we are enjoying the little projects we have done so far.  Watching a house get built from the ground up is like watching your dream grow.  I never imagined I could afford a home in California.  It just didn't seem possible.  Then Mj came into my life.  He wanted the same thing and together we made it possible.  There were so many bumps along the way but every hurdle and every mini anxiety attack was worth it.  Now we have the things that a lot of people take for granted.  Outdoor space, a laundry room, extra closets, a garage and enough space to stretch out.  Our day to day life feels functional now.  It feels right.  I totally appreciate and work really hard for what we have and I will never take any of it for granted.

House Pics:
Contract to Close:  Our Home Buying journey
The Home Building Journey
House Projects 
What I love Most About Our House

Taxed to Death

When I was young and carefree and I heard "old people" complaining about things like taxes and property values I didn't really understand what they were so upset about.  Now that I am older, a tax payer and a consumer of more then just little things like food and clothes I get it.  Being a homeowner I get it even more.  My goodness...I seriously feel that I am being taxed to death.  I get my pay check and it's taxed.  I buy something at the store it's taxed.  I win a 2 night hotel stay and I have to fill out a W2 because it's going to be taxed.  I can't touch any retirement money I have saved before whatever ripe old age they have decided upon or else it'll get taxed.  When we bought our house we had to seriously factor taxes into what we could afford for a mortgage because it adds almost $350 a month.  The principal and interest payment might look pretty nice but when you add in the taxes and suddenly it's not so affordable anymore.  The only reasonable way to handle these monster property taxes is to set up an  impound account with your mortgage company and pay into it monthly along with your mortgage so that when the taxes are due twice a year the money is there.  All set right?  Well not quite. 

A couple months after we moved in last year we got a supplemental tax bill for $1,012.  They say it's typical on new construction.  We expected it but  weren't actually prepared to pay it so we asked for half to be be paid out of impound and by the time the other half was due this year they had already factored it in to this years impound and it would be taken care of.  We even got a nice escrow refund check.  Yesterday, we got yet another supplemental bill and the only thing it supplements is my annoyance.  This time it's $3,000 on top of our normal taxes.  That's not exactly what we planned on using our tax refund for so I call our mortgage company and thank goodness they agree to pay it.  It will raise our mortgage by $25.00 a month come May because it creates a deficit in our impound account but that hurts a lot less them ponying up 3k at once.  Now get this.  He says the reason could be for home improvements which allows the city to say that our house is worth more and therefore we owe more property taxes.  I wondered, how do they know anyways?  If we did anything that would require a contractor to get permits then it's reported to the city.  The only thing we did is our backyard so that must have been it.  We are already paying taxes on the house, then we get taxed on the landscaping job itself, then getting a 3k bill was like doubling the cost of our landscaping job-for  no good reason!  Apparently, California is notorious for doing their little shady re assessments on property value.  I suppose we better watch out when we get ready to do our kitchen remodel and we can probably forget about getting another escrow refund. 

But really.  It's enough to make your head spin.  At least we got a decent tax refund this year-goodness knows we've paid enough.  According to an old saying the only thing you can be sure of is death and taxes.  I may not have understood that as a kid but I certainly get it now.

16 Things I Love About Our New House

We have been in our new house for about 4 months now.  We painted the main living areas, we have kitchen tiers on the way and have hung our first bit of wall art.  We plowed through our savings buying furniture, appliances and window coverings. There are still lots of plain bare walls that need to be decorated and too many white walls that could use some color but we have what we need and I'm really just glad to be here.  It takes money to decorate a home and therefore it will also take some time.   What a journey it has been from house hunting, home building to house closing.  We stuck it out in my tiny studio condo for 6 months but it was well worth the wait.

1.  Overall Space.  I can be at home and not see Mj all the time. What a concept!  People need space and we absolutely did not have it in the tiny studio. We were on top of each other and it magnified clutter and anything else that bugged me times 10. He can be upstairs in the loft doing homework and watching baseball and I can be downstairs watching House Hunters. We can be apart and then come together.  Mj's untidiness is spread out so I can tolerate it for a little bit longer then usual.  Peace.

2.  Decorating fun. I now have all of these rooms to decorate which is great once I figure out what the heck to do with them. I may not know exactly where to start but I love the possibilities.

3.  King size bed.  We squeezed into a little double in the studio.  I wanted to save money and hold onto the old Queen bed of Mj's that came out of storage but he really wanted to up size so I agreed.  Most of the time we end up on one side or the other but it's nice to have the space.  I can lay spread eagle on the bed with room to spare and I actually have to roll over a few times to shut of my alarm if I'm on Mj's side!

Plenty of room and I love that we each have our own night stand.

4.  Double Vanities.  Again, space.  I have my own side to do what I need to do in the bathroom and he has his.  We each have our own cabinet under our sinks.  Mine is full and his is not.

I like having my own side

5.  Toilet Room.  Our bathroom has a separate little room and door for toilet.  It even has a window-don't ask me why!  Not that we've never seen each other on the toilet but we love the extra privacy.

6.  Thermostat.   Sometimes it gets a little chilly for me because I am chronically cold but that's what blankets and sweaters are for.  I no longer have to sweat through summers with only an AC Wall Unit or hope for a cool breeze to come through the windows on hot nights while trying to sleep.   When we come home from work it does not feel like walking into a sauna.

7.  LG fridge with ice maker. This sucker was not cheap but I have to say it's worth it. I still can't figure out how this unlimited supply of water magically comes out of my fridge but access to ice cold water anytime without having buy bottled water and keep up on our water supply is great. I think I'm even drinking more water because of it.  And I kinda think ice is cool.

This fridge is the BEST

8.  Sectional with Ottoman.  We searched high and low for this cozy yet modern couch.  When you push the little square ottoman into the corner of the sectional it creates this lovely little bed like area which is perfect for cuddling while watching movies.  I can't get enough of cuddling with Mj so this works out quite nicely for me and I think he's OK with it too.

Modern, comfy and cuddle friendly

9.  DVR baby! I know I'm a little behind on the technology here but this is the first time in my life I have ever had this and I love it. I don't have to rush home to watch anything and I can watch various TV shows at my convenience-and fast forward the commercials. Online viewing of shows helped before but this really takes it up a notch. Not that I watch a ton of TV but it's just super convenient to have.  It's also the first time I've had a flat screen TV which of course was an Mj contribution.

The TV console has lots of storage to "hide" crap.  So does the coffee table.

10.  Dining room space, Bar Area & Kitchen.  We actually have a place where there is room for us to sit down and eat dinner together the good old fashioned way.  It's not right in front of the TV but we can  still see it because we have an open floor plan.  When one of us is in the kitchen cooking (ideally Mj) the other one can sit at the bar and chat.  The condo kitchen had next to no counter space and was really not functional.  I was totally uninspired to cook there so I didn't.  I vowed I would start cooking when I actually had space to do it and I did.

A table to enjoy meals together

Functional cooking space

11.  Garage.  No more searching for a parking space and having to pass up most of them because I suck at parallel parking.  I no longer have to worry that my car will be vandalised yet again.  No more carting loads of grocery bags from the car down the street, through the gate, and up the stairs into the condo.  We don't have to get into a hot car and we don't have to haul our trash out to a stinky dumpster because our trash bins are right there.  It also provides more storage for crap that we should probably throw away but won't.

12.  Extra closets & rooms.  Yes.  Back to space-which is quite a  beautiful thing.  The clutter in the condo was driving me mad.  The master closet could use a Closet World make over to make better use of the space but it is a walk in and way bigger then I have ever had before.  There is now a whole extra room for Mj to leave his folded laundry for weeks at a time and toss his clothes on the floor instead of hanging them up.   I don't have to see it so I don't nag him about it.  Well,  not as often anyways.  Win win situation.

13.  Laundry Room.  I used to do laundry once a month.  Or even longer if I could get away with it.  I know it's terrible but I was so over hoarding quarters, staking out the washer/dryer, and carting loads of heavy laundry up and down stairs to the laundry room.  Laundry is fun easier now.

The bobble head bride and groom was a wedding gift.  Really.

14.  Backyard.  It still happens to be a pile of dirt pending landscaping.  This project has been totally left to Mj and he assures me that progress is being made.  We'll actually have a place to sit outdoors and relax.  It's small but we did not want any grass cutting so that's fine.  There is room out the front door too where I can actually stand there in my pajamas and check the weather and not be seen by every single neighbor.  The condo didn't even have a balcony.

15.  Recess Lighting.  This was what I felt was an Mj upgrade splurge but like most everything else I'm glad I agreed.  It came included in some areas but we addeded it every where it didn't except the 2 spare bedrooms.  I like the modern look it gives the house and we don't need lamps.  Some of our lights even turn themselves off after a certain time period if we forget.  The light switches are all on dimmers which can save energy and is really good for setting the mood...if ya know what I mean!

16.  Community.  I still don't know any of my neighbors but our little neighborhood is like an oasis in the middle of the little city we live in.  There are only about 42 houses spanning 3 private roads.  I don't walk out my door onto a busy street.  I feel comfortable taking a walk if I want to.  There aren't random hoodlums roaming around or broke down sofas in any front yards. I feel so much safer.  We have an HOA in full effect that I might come to hate at some point but it does wonders for curb appeal.  We are only about 5 minutes from the condo but it makes all the difference in the world.

Are there some things on my wish list that we didn't get?  Yeah.  We couldn't do all the upgrades we wanted like granite or hardwoods.  We could use a little bit more counter space and cupboards in the kitchen.  I wish we had a linen closet but there is room to build one.  I also wish we could have afforded to buy more centrally located.  And while I'm at it, I would really love it if I could get my mortgage sliced in half!  But really, I'm not complaining one bit.  It's brand new, it's OURS, and I love it!  According to Sandra Rinomato on HGTV's Property Virgins, whom I trust completely, if you like 90% of the house you should really consider making it your home because no house is perfect in all ways and there will always be something that you wish you could change.

Building the Home

Home Sweet Home

Home Renovations

Home Sweet Home

 When you buy a house that moment where you get to really celebrate and take a deep breath kinda gets lost in the shuffle.  People would ask, "Aren't you excited?" and I really didn't know what to say. I was but I wasn't. Yes, we were going through the process but there are so many variables, unanswered questions and hoops to jump through along the way that it felt like the deal could fall through at any moment.  You have little mini celebrations at each step only to have to hold your breath again as you wait for the next piece of the puzzle to fall into place.

We started out house hunting and bidding on existing properties which is a battle in itself especially in our county. I have heard horror stories of people bidding and getting rejected on house after house so at least we didn't have to deal with that.  You have to get pre approved (sometimes my multiple lenders depending on where your search takes you), find the house, sign the contract, obtain and lock the loan, sign closing docs, get the keys and finally after months of hoping and waiting and wondering you get to move in.  Our house was still being built so all of this uncertainty stretched out for 5 months which was not only stressful but makes me wonder how I ever closed on my condo in 30 days.  There was so much hoopla this time around and those loan officers are relentless.  By the time you move in you know you made it but are so overwhelmed and consumed by the moving process that you still don't really get a chance to celebrate.  There is still too much to think about.  Too much to do, buy and organize.  We were worn out.  Then next thing you know you're in, and that celebratory moment somehow got skipped over.  We still have champagne sitting in our refrigerator given to us by the builder on the day we moved in.  We steamrolled full speed ahead right into our wedding-adding another bottle of champagne to our stash-so it's not until now that I'm really getting to reflect on everything that went down. 

I have not lived in an actual house-or a place without communal laundry rooms for that matter-since I moved out of my parents house over a decade ago.  Gosh I feel so old being able to use the word DECADE that way!  I went from college housing for 2 1/2 years (excluding summers) then back to mom's house for about 2 years. After graduation I got my first apartment with the Ex in 1998.  Then, we moved down to the city and lived in 3 different small and sometimes not so great city apartments over the next 7 years.  After the divorce I bought my first place. A brand new tiny condo where I stayed put for the next 5 years fully expecting that I would stay there forever.  On a single income and with ridiculous housing prices where else was I gonna go?  I finally had a space of my own where no one could raise my rent or decide to convert to a condo forcing me to move but with very little in the way of amenities and it's small size it didn't take long for me to outgrow it on my own.  Then when Mj moved in and well..... let's just say the place got even smaller. 

We have been in our new house for about 2 1/2 months now-since May 21st.  Getting back to the 'burbs" and owning a detached home is something I always wanted but I didn't believe it was possible for me. The house hunting and home buying process was a roller coaster ride from hell at times.  Thank goodness Mj keeps a cool head 'cause I was freakin' out half the time.  The idea of being responsible for a juicy mortgage especially on top of my condo is scary but I don't think we bit off more then we could chew.  Every bit of anxiety along the way has been worth it. Even in this sketchy housing market this was something that we needed to do. I craved space and a functional home where I could feel at peace.  Where I could do my laundry without going outside and not have to search for parking when I get home from work! And I finally got it. 

Still wondering when we will get around to that champagne.  Guess it's never too late to celebrate.

What I love about Our House

Got A Renter and Life is Good

I have met people over the years who seem to have a fairy godmother floating above their head. Everything they touch turns to gold and even the bad things in life often yields rewards. They land hot jobs and somehow manage get what they want and do what they want without even seeming to have to try that hard. They seemingly coast through life without a care in the world and why shouldn't they? They are the "charmed ones" and things just have a way of working out for them. Unfortunately I have never been one of those people. I work hard and try to do the right thing but nothing has come easily to me and I always seemed to be left wanting or with the short end of the stick.

About 2 weeks ago I got a call from my property management company that there was a woman interested in renting my condo. Ever the pessimist I was so happy and so relieved yet I did not count on anything until she actually paid her deposit, signed the lease and moved in. Well Friday.....SHE MOVED IN! I officially have a tenant in my condo who is locked into a lease for one year. Due to market conditions I was not able to rent for the full amount I owe but will only be taking on about a $100 per month deficit which could have been a lot worse and I should be able to absorb that into my budget. I never wanted a rental property but due to circumstances I have one and am just thrilled that I can finally stop stressing myself out over this-which I've been doing for over a year. Ideally, she will pay rent every month and I won't have to think about a double mortgage situation for at least the next year.

I actually still can't believe it. Every week after we moved out without a renter I got more and more anxious.  It's such a tiny condo-what if no one wants to live there?  I was already trying to figure out where I could tolerate working for a second job and how I would ever find the energy to do it. I tend to be surprised when everything works out according to plan while Mj expects it. Getting a renter was the last thing that I really needed to work out for me and just in the nick of time....it did.  Throughout this whole house hunting, home buying, and rental property journey he has said over and over "Don't worry. It will all work out." Did I listen? NO. Did it work out? YES!

My only explanation for all of this is Mj-who incidentally just so happens to be one of those charmed ones. My general outlook and my life has totally changed since he entered it. I was lonely and depressed with little expectation or hope for better. I wore my misery and independence like a badge of honor and faced life in general with a mild sense of dread. The way I saw it life is hard. Happiness and fulfillment is promised to no one so you better just learn to deal with it. Fast forward two years and I am genuinely happy, planning a wedding with the man of my dreams, decorating our house and feeling an overall sense that life may not be perfect but the good in it far outweighs the bad. I still tend towards pessimism but no longer see gloom and doom lurking around EVERY corner. While I'd like to take 100% credit for this change I can't. Mj is the catalyst of all of this.  He has changed my life and I hate to think of where I'd be right now if I'd never met him.

I know that this doesn't mean that nothing bad will ever happen. Not even the charmed ones can count on that.  Maybe Mj's good luck has rubbed off on me a little but I still don't count myself as one of them. It doesn't even mean that I will stop worrying because chances are I will always be a worry wart-it's just the way I'm wired. However, it does mean that my panic meter goes down a few notches and my happy meter goes up. It means I no longer feel the heavy weight of the world sitting on my shoulders and every set back won't feel like the end of the world. It also means that I can finally say, "life is good." In the past those words would never EVER cross my lips under any circumstances. I was just too sad. So no matter what happens down the road of life I know that I have come an incredibly long way and that alone is something to be happy about.

Making A House A Home

I hate leaving unfinished business.  When I do something I want to finish it so I can have closure, enjoy the fruits of my labor and check it off of my to do list.  What a mess I was.  Barely moved in and going, going, going from store to store and errand to errand like a woman possessed.  I wore Mj out with my relentless planning and need to do so much so fast.  He said, "Take a break, relax."  I think I was driving him crazy.  I wanted everything to be perfectly organized and I wanted it NOW!  I'd walk into Wal Mart knowing I needed so many things but I was practically paralyzed with indecision over what to buy.  I'd walk down aisles staring at this and that.  I'd pull out my mile long list of things to buy but still not know what to do.  What color?  What size? Should I check another store?  I'd spend all weekend going from one store to the next and still feel like I had accomplished nothing.  You can't walk into Target and Bed Bath & Beyond one day and expect to have your house fully decorated and furnished the next.  No siree.  Not gonna happen.  You might be able to do that in a studio.  In fact, I think it took me about two weeks to set that up, but I can't expect to do that now.  Not with a house that is 4 1/2 times the size.  Duh!

Making a house a home takes time.  It doesn't happen over night and as soon as I realized that I was fine.  Room by room, piece by piece it all comes together.  In time.  Now I don't worry so much about the fact that I know I need some rugs but I don't know which colors to get or that I definitely want bright pillows for our sectional but can't get them yet until I decide on drapes.  The garage is totally disorganized and in need of some shelving and we need to get our closet done so Mj can actually fit some of his clothes in with mine but there is plenty of time to get to it.  There is still those last few stubborn boxes filled with stuff you don't know what to do with but at least most of them are finally cleared out and we have all of our necessary appliances and furniture. We haven't put up any pictures on any walls yet and the two extra bedrooms are sort of a mess but I do have a color scheme for the guest bathroom and a cute rug and shower curtain to go along with it.  We can't afford to get EVERYTHING at once even if it was possible.

We got our dining room table and TV console delivered. Oh, did I ever agonize over this table. The sales lady just pulled up a chair and waited as I walked back and forth between our two top picks staring at them as if I was hoping the table itself would tell me what to do. But once I saw it in our house I knew I'd made the right decision.

  The shutters and blinds were installed too and they look great. My mom was down visiting and we just oohed and awed over how pretty the plantation shutters are and how much they change the look of the room. 

It's so much fun watching as each addition transforms the space and helpful how each new piece gives way to ideas for the next.  I watch a lot way too much HGTV.  I'm no designer but I see all these beautiful rooms on there and now that I finally have a home of my own to decorate I want to do it right.  I know how I want my house to look but I just don't quite know how to do it.   I've decided not to worry that I am hopeless and won't be able to handle the decor which Mj has left me in charge of.  My over ambitious attempt to get everything done at once made me feel like I wasn't capable of doing it at all but I realize now that's not necessarily the case.  Just because I don't already have a color scheme in mind for the living room yet doesn't mean I never will.   

Buying the house was stressful but this is the fun part and it isn't going to happen over night.  Like most everything else it's a work in progress and rather then worry about what I think I don't know I've decided that I am just going to enjoy the process.  We already love our house so when you really think about it our house already is our home and anything else is just extra.

House Work

What a busy week it's been.  All moved in so it's appliance time.  We chose an LG and got 10% off at Home Depot. Our refrigerator was the first appliance to be delivered on Wednesday.  We love the bottom freezer design and the fact that we no longer have to constantly buy water because it's filtered and comes straight out of our pipes through the refrigerator.  I have no idea how that happens but I am just glad that it does. 

Then, we finally decided on a washer/dryer which for me was the hardest.  I over researched to the point where I had no clue what to do anymore.  Installation charges vs warranty and delivery fees vs shipping charges and on and on.  I wanted the best deal and the best product but on the same brand one review would say it broke down the first day and another would say it was the best thing that ever happened to them.  I was over it and we really had a lot of laundry piled up so last week on my lunch break we met up at Sears and bought Whirlpools in less then an hour.  We got 10% off for using my Sears Card.  They were delivered on Thursday.  They are Energy Star certified and the washer is supposed to cut down on our water bill.  We qualify for a $100 mail in rebate and I think they are pretty darn cute too!

Whirlpool Duet

Saturday morning we were out of the house by 9:30 am taking stuff to goodwill and finally going grocery shopping after months of getting by on what we had.  Our bedroom set, mattress, and sectional that we picked out a couple weeks ago were delivered that afternoon.  We basically ordered out of a catalog in the store and hadn't actually seen the bedroom set in person and we were so pleased when we finally saw it.  It is real wood and you can see the quality.  It was my bright idea to get white and it turned out to be a good one.

We got this sectional in "Oyster."  We LOVE the modern look to it.  I am hoping it will give me some inspiration on how to decorate the downstairs.

I think there is a very good chance that our neighbors have seen me naked so it's great that we have also ordered window coverings. We had two companies come out and do quotes and went with the one that was cheap enough to allow us to do almost the whole house.  They won't be here for about 2 weeks.  This house has lots of windows which is nice but they are even in places you wouldn't expect like 2 in the laundry room and one in the closet.  There are 12 upstairs and 7 downstairs.  We are doing all blinds and I'll have to come up with window treatments only for the sliding door and kitchen window downstairs.  After that it was out for some more errands.  We got our paint supplies at Lowe's and went hunting for a bedspread.  We got an Eastern European King size bed and apparently it's next to impossible to find that size in the stores.  After Penny's and Macy's we gave into hunger and took a break.

We did something we haven't done in a long time.  Ate in the food court at the mall.  After being busy ALL DAY we were exhausted and hungry, which seems to be the theme of the week.  We happily took a break from shopping for some good old fashioned food court junk food.  Sbarro's Pizza to be exact.  After refueling we went to Walmart where we managed to find some king sized sheets [with a high enough thread count to satisfy Mj] to sleep on for the night.  The bedspread will have to wait.

My Very Own Sexy Pastry Chef

Mj is crazy a dedicated cook and he insisted that he make his Chocolate Peanut Butter Cake from scratch that night even though we didn't get home until after 9pm.  He said he'd do it within the first week of moving in and so he did.  The very first thing ever cooked in our new house was that and he was up until 2 am doing it.  I was up too of course since I can't seem to stop myself from working on organizing and doing things around the house.

So what's next?  Painting of course.  That project consumed our entire Sunday.  Mom was kind enough to come down and help.  She was our very first guest.   Here she is walking in the door.  She was so excited to be here and see us IN our house for the first time.  We immediately put her to work.  That's how we treat our guests around here apparently!!

Maybe I was rushing things by trying to paint so soon after we moved in but I really wanted to get it over with and thought it would be good to take advantage of the 3 day weekend.  I felt the longer we waited the less likely we would be to get it done.  I told Mj a week ago that we'd be doing this.  He was surprised but took the news well and went along with it.  We started around 10 am with taping everything off and laying down plastic.  

Mom came around 12 pm and we went to Home Depot to get the paint.  Our total for painting supplies was about $240.00.  Mj and I did a pretty good job on choosing colors.  We were right on in picking our colors for the Great Room (light green) and Master Bedroom (pale grey).  We got one set of samples and that was it but after seeing our furniture in the loft we decided brown on the walls would be too much Brown.  When mom and I went to get paint we found this great blue color and without even getting a sample we just bought the whole can and slapped it on the walls.  Luckily Mj liked it too and it turned out to be one of my favorite colors that we used.  

 We probably started actually painting around 2 and didn't finish until about 6:30 pm.  We worked so hard but it was awesome that we all just pitched in and did it together.  When you look at the finished product it is  completely worth it.  And now.  It's DONE!!  We did the loft, downstairs great room area and the master bedroom.  Anything else, I can worry about later.  Or not!

Our reward for all of our hard work was pizza and beer.  That was only just to get to Mj's homemade cake which was absolutely delicious.  He really should have saved us $500 and just made our wedding cake himself because it was better then any of the cake tastings we had.  Seriously!  I will be asking for it every year from here on out for my B day cake.  Never mind that I haven't had nor wanted a B day cake in a couple of years but this magnificent cake changes that.  It was moist, tasty, perfect and with an also from scratch Peanut Butter Mousse filling, Chocolate frosting and crushed Reese's Peanut Butter Cups on top-it was the perfect way to end a fun but long, exhausting productive day.

Home Project:  Backyard Landscaping

Moving Marathon

CLOSING
Oh boy did we ever cut it close on this move.  We were told that it's basically a two day turn around from doc signing, bank funding, and county recording that would signify close and allow us to get our keys.  We planned to move Friday and so Wednesday was to be the big day.  We waited and exchanged e mails all day with the loan processor hoping to hear from the title department that we could go and sign our closing documents only to get home and find out from Jenn at the sales office that there was no way in hell that was going to happen because they didn't even have them.  Thanks BofA for leading us on and causing us to hang onto our cell phones all day hoping and waiting for a call that was never going to come. 

Then we were told that as long as we sign docs and the bank funds they would still allow us to get our keys on Friday even if we did not officially close yet.  Thursday came and there was more waiting and several phone calls back and forth with Jenn.  FINALLY, we get the call that we can go to the title company and sign at 3pm.  We are relieved but still anxious because the bank still needed to fund and it was clear that wasn't going to happen Thursday.  We woke up at 6 am Friday morning to call and wire our closing money to escrow and then walked to U Haul to pick up our moving truck around 10:15am and started moving.  Thankfully, they allowed us to move in since they had our money even though the bank didn't actually fund us until after we moved all of our things in.

MOVING
The marathon began Thursday night when we started boxing things up.  I was so unmotivated.  The very concept of having to pack up every single thing you own and transport it to another location is so ridiculous exhausting.  I looked around at my cramped studio with all of it's stuff and it felt so impossible to accomplish such a feat.  I was glad to be moving out of there but  I hated every single second of packing. 

The words on our truck said "U Can Do It" but there were moments when it sure didn't feel like it.  Up and down the stairs.  Back and forth to the moving truck.  We did not stop until the truck was full and the condo was basically empty.  It took the two of us about 3 hours.  We drove the mile to our new house and started the whole process again but in reverse.  As we drove into our neighborhood in our big U haul I looked around in awe and sheer relief.  This is finally happening.  After all of the months of being put through the ringer and those final anxious days we finally get to live here.  And, we weren't the only ones having fun.  There were about 4 different moving trucks crammed on the street as our new neighbors were doing the same.

The unloading process was infinitely quicker then the loading process and thank goodness because we had only 1 1/2 hours to get it done and get the truck back by 3pm.  We drove it a whopping 3 miles and didn't even have to re fuel which saved a lot of money.  Once the truck was turned in we walked back to our condo and drove our fully loaded cars to the new house and kept right on working.

The place was an utter disaster with everything dumped haphazardly in the great room but I was so glad to be there.  We were finally HOME!!  We didn't stop to eat until about 8:30pm that night.  We called Pizza Hut for delivery only to find out that our development is so new that it isn't even in the system yet.  I was so hungry that I didn't care that I had to go get it even though I was completely worn out.

We worked all weekend non stop-3 days straight.  Clean the condo, run errands, organize, sort, move furniture, throw things away....it just went on and on and on.  We finally got the room cleared out so we could see the floor on Saturday night then Sunday all of Mj's things that have been in storage since 2008 arrived and we started all over again.  I was so incredibly sore.  My body ached from the soles of my feet right on up to my neck.  It was hard work BUT WE DID IT!!  I was once again struck by what a great team we make.  I believe that the way a couple handles stressful situations and hard work together is an indicator of the health of the relationship.  We know when to defer to the other on things and if he is adamant I pull back and vice versa.  We both just pitched in and worked hard.  We did what needed to be done and made decisions together effortlessly.

Monday at work was HELL!  I was exhausted, pre occupied and overall annoyed.   I couldn't focus and I was basically useless.  Today I was better rested and felt a bit more settled.  The refrigerator we picked out will be here Wednesday and we still need to order a Washer/Dryer once we can freakin' decide on a brand.  Our bedroom furniture is on back order and our sectional is still being made so I don't think we will have any of that until June.

There is still so much to do and BUY!!  But the hardest part is OVER and I'm lovin' our new house already.

Home Building Progress:  Lot 55

Home Buying Journey:  Part I Getting Pre Approved

If I Can Dream

I am under a lot of stress lately being smack dab in the middle of closing.  I am just tired of the whole process am beyond ready for it to be over already.  I feel like I've been living in limbo all year and it's really getting to me.  Buying a house AND having a wedding within the space of two months means a boatload of money is being spent and if there is one thing that's been stressing me out aside from my cramped 400 square foot studio and so much uncertainty over the house it's that.  We just spent $500 on a cake.  I still don't have a renter for my studio and so I'm considering taking on a 2nd job.  I don't even know for sure when we are getting the keys to our house and I have a moving truck scheduled for Friday.  The bank has been so slow getting our documents out for us to sign.        

So, let's just say it didn't take much to get the waterworks flowing.  I've been watching this web only show called "If I can Dream"on hulu.com.  Amanda has made a decision to leave the dream house because it's not working out for her to be there where she feels she has no control over her personal life living in a house with cameras 24/7.  When she made her announcement both she and Cara were crying and the next thing I know I was crying too.  This is not unusual considering I have been moved to tears by a 30 second Cotton commercial before.  Watching that outpouring of emotion just kinda touched a nerve in me partly because of my personal stress and partly because I found it so sad that she was literally walking away from her dream.  As one who once had a dream myself I can only imagine how difficult that must be.  It is next to impossible to make it in that industry.  For every Julia Roberts, Miley Cyrus or Megan Fox there are thousands upon thousands of talented people that couldn't make it.  She is giving up a once in a lifetime opportunity to live in a house rent free, not have to work, receive free acting classes, and support from the management team that handles all the American Idol winners.  The chance to pursue her acting dreams was handed to her on a silver platter and she chose to walk away from it.  In my opinion there must be more to the story then what she is saying that would cause her to do that.  I don't know what it's like to walk in her shoes but from the shoes I'm wearing....I think it's quite a bizarre choice and I can say with certainty that if I EVER had a chance like that I would jump at it in a heartbeat and don't think anything could make me walk away.

Crying has always been a tension reliever for me so it was good for me to just let it out.  In my darker days I used to do it A LOT and not be able to snap out of it but thankfully those days are over and I now have the ability to brush myself off and keep moving.  Today is a new day and I'm off to a good start.  I forgot to put on a bra today [no worries, they aren't that big] but other then that I'm at work and I'm getting on with it.  At the moment the only dream I have on my mind is getting those keys and becoming a homeowner with Mj.  There is still a possibility that we can sign docs today, close and have our keys by Friday so we can move.  I'm just waiting ANXIOUSLY for that call from escrow. 

So Close To Closing

Our final walk through on the house is THIS THURSDAY.  During this time we will walk through the house with the builder and note anything that needs fixing up.  A lot of people don't hire independent inspections on new builds, but we are and he will be meeting us there.  Once we determine everything is A OK they should have our loan and closing documents ready for us.  Once the documents are signed that signifies closing.  The bank funds, the county records, and about two days after signing we get our keys making the house officially ours. 

The main changes from April 25th to now that I can see are that the sinks, toilets, carpets, and plumbing are all in and the garage door has been painted.  It appears to be pretty much done.  I was so worried that we made the wrong choice with the grayish flooring because it didn't seem to match our tan counter tops but once I saw it with the carpet next to it I could see how it all ties together.  We plan on re doing the counter tops and all downstairs flooring in hardwood later, but it's nice to be OK with how it looks now.

May 5th

We chose a nice sectional, beautiful King size bedroom set, and a comfy pillow top mattress on Saturday so we are already on track for furnishing the place.  The other must haves when we move in are refrigerator, washer, dryer, and window coverings.  We have already  decided on what colors we want the walls and I have all of these ideas about how I want to decorate.  It's so much FUN, but my oh my how everything adds up.  It's SO expensive to set up a house.  I am totally blown away by the amount of money we are spending this year.  It just dawned on me that we are literally planning to move NEXT WEEK.  It's no longer some far off possibility.  I need to schedule a moving truck and a carpet cleaner for my condo ASAP.  We will also need many, many boxes.

Not only are we getting closer to our new home but we are also getting closer to our wedding day. July 10th will be here before we know it.  It's ONLY TWO MONTHS AWAY!!  So much is happening and I'm so excited.

Cont'd:  Moving Marathon

Meanwhile...Back At The Ranch

It's so fun to go by the house each week to see what changes have been made from week to week.  They have been building since February 13th and it has come so far.  I can't believe that NEXT MONTH we will finally be moving into that place!!  I stressed out so much about getting the loan and now we have two offers.  We found out about two weeks ago that the builder preferred lender WAS going to offer us the loan we wanted after all.  They really put us through the ringer asking for letters and documentation and paperwork over and over.  Talk about exhausting especially considering we were working with two at the same time so we'd have a back up just in case. It was never ending.  After all that stress it was a relief to finally know for sure that we will be getting that much needed $6,700 towards closing costs.   I have stressed about each and every step in this process because that's just what I do.  I can't help it.  Thank goodness everything has worked out so far.  I wish I could just save myself some heartache, be more like Mj and stop being such a worry wart all the time.  

OK.  I'm going to start now.  Do NOT worry about not getting a tenant for the condo by the time we move out.  DARN DAMN....It's not working!

April 17:  Counter tops  & Driveway Paving

April 24th:  Flooring, Appliances, Garage Door & Landscaping

House building progress con't