.....and other random stuff......

Friday, December 19, 2014

Part Three- Closing

Another bump....
The day before the closing Mister lawyer was riding his son’s bicycle, fell and broke his arm.
Turned out his father was also a lawyer and agreed to step in.
Problem solved!

Monday morning came, Lawyer Dad called us a few hours before the closing to check and see if we had all the necessary papers. Did we have the proof of insurance?

WHAT?

So two hours before the closing we went scrambling to find an agent to insure a house we didn’t yet own……. 

Now, I moved quite a bit growing up and my parents brought me with them to the closings so I would to get an idea of what it was all about.

Mostly you sit there quietly and get writer’s cramp from signing endless checks for things you never even considered…like the half tank of fuel for the oil burner that has probably gone bad from sitting stagnant for two years since the old man who owned the house died and his estate went through probate…..huh?

But I digress.

We sat at the large conference table not knowing anyone there, I, clutching my little checkbook, ready to write out all the required amounts, fully confident that we had enough money to cover everything.
After all, we had checked, double checked, TRIPLE CHECKED and over estimated what we would need.

I started to write….and write….and write…..
At this point you have to know that when I write a check (or debit anything) I immediately reconcile the amounts in the check register. I’m anal that way.

So as I wrote I did the math.

Then the lawyer for the estate asked for one last check…..and I looked at the balance in the register and realized I didn’t have enough to cover it!

Panicked, I leaned over to lawyer Dad and told him I didn’t have any more money. He coolly whispered out of the side of his mouth, “Just write the check!” as he smiled at the others.

So for the first time in my life I wrote a bad check!

Finally it was over, they handed us the keys and it was ours!


To this day I can’t recall where we got the money to cover that last check.

Thursday, December 18, 2014

Throwback Thursday

BigBro.....prom night! Dig that Beatles haircut!  ;)

Wednesday, December 17, 2014

Part Two- the Saving

We found the house Thanksgiving weekend.
We had no money for a down payment.
From that moment on, until we moved the following April, we scrimped and saved and took every minute of overtime we could.

We no longer ate out for any meal. We brown bagged our lunches.
As a matter of fact, each of our families pitched in and invited us to eat several times a week to help out. When we didn’t go to ‘mom’s’ for dinner we ate hogs.
LOTS of hot dogs!

Our only form of entertainment was staying home watching TV on our 13 inch Sony.
Rolling coins we had collected in our large plastic water jug (stolen from work) and going to the house to sit on the steps of the back porch discussing and dreaming about what we were going to do when we moved in!

But it all worked out.
With only a few minor bumps along the way.

We found a young lawyer to represent us.

The closing was postponed, once…… twice….. three times.
No biggie, more time to save.

The drawback of the postponement was the interest rates on mortgages at that time were climbing in leaps and bounds. The last postponement was from a Friday to the following Monday and over that weekend the interest rate went up two points to thirteen percent!

Tuesday, December 16, 2014

50 E Jackson Avenue—Part One, the Discovery

I have very fond memories of that house. It’s where I started my (official) married life. Where I had my babies. Where we poured blood, sweat and tears into making it a home.

When we first found it I was trying to convince Husband we could afford to buy a house.
He was……skeptical. We had been living the high life in our apartment. Traveling and being frivolous.
We hadn’t saved a dime.

I, ever the optimist, (read: blissfully ignorant of any reality concerning the purchase and upkeep of home ownership) just kept telling him we could!

So, we went looking.
The first stop was to a realtor my parents had used when we first moved to the area.
When she found out we weren’t married she proceed to tell us it was illegal to sell to an unmarried couple!

Moving on…..

We used to hop in my little blue Pinto and drive around in neighborhoods we liked.
Then one day it happened.

As we drove past the little cottage, the heavens opened, sunlight poured down upon the house bathing it in golden rays, choruses of angels began to sing…..and we fell immediately in love.  

We wrote down the realtor’s number and so began our odyssey into home ownership.
The first good sign was the couple who owned the real estate office weren’t married either!

Even though they were an ‘older’ couple. 

Stay tuned for the continuing saga............

Monday, December 15, 2014

Punny Monday

Where did the mistletoe go to become rich and famous? Holly-wood.

Friday, December 12, 2014

I Love Surprises!

I look forward to the mail this time of year because not ALL the envelopes are bills!
But this was a total surprise!

My ├╝ber talented friend Ann Hyde sent me not one but TWO original watercolor paintings of William the Lurcher her wonderfully comical Lurcher sight hound!

Apparently he has his own business card as well as his own blog!
And Ann has a two blogs of her own. 
One dedicated to the adoration and sketches of William and one where she shares her travels and wonderful watercolors.
Her sketches are nothing short of brilliant! 
With a single brush stroke she can say so much! 
Hop on over and take a peek, you'll be glad you did!
I am thrilled to have such talented and generous friends!

Thursday, December 11, 2014

Throwback Thursday

BigBrother & our mom dancing at his B'day party circa 1960.