It’s All Over But the Shoutin’!

THE HOUSE IS OURS!!

We made the offer on 5/9, and since then it’s been a whirlwind of calls, emails and paperwork. Within added dose of frustration and a dash of nervousness.

But we did it. Our final walk through is on 6/14, and our closing is on 6/17. And when we move, my work commute is cut IN HALF. *praise dances*

Not only are we getting our earnest money back, but also our appraisal fee. Can you say, “new furniture for the baby?” 🙂

Everything – and I mean life in general – has been happening so fast in the past calendar year. I wouldn’t change any of it. Marriage, baby and house – it’s like a trifecta of WINNING, folks.

I logged in to work last night (friggin corporate America) and even the landlord got on board and emailed me with an apology for the delay, and let us know they’ll be putting a lock box on the rental house today so they can start showing the house to potential renters. Now I’m challenged with getting HH to keep the kitchen and bathroom clean. *facepalm* LOL! If all goes well, we’ll only have July rent and they’ll have a new renter by August 1st.

Thank you to everyone who prayed for us, crossed fingers and toes, and sent positive vibes.

Now – who wants to help me pack boxes? 🙂

That Didn’t Exactly Work Out

So, it’s the end of May and we’ve heard nothing from HH’s job about the alleged transfer that could’ve taken place this month.

I guess the retiree was phantom. Or maybe he said, “sike! I was just playin’. I got five good years left in me.” Or maybe the yard master was just completely mistaken with his info and he doesn’t want to admit it now.

Either way, hubs still makes the 90+ minute trek. More wear and tear on the car and more cash out of our pockets.

We have A LOT to be thankful for this year, so we will be focused on that in the coming months. It just cooks my grits and sticks ’em to the pot that they dangled this carrot, and then snatched it away. Booooooooo.

One Step Closer

A few weeks ago, I asked for a suggestion for a real estate agent in the area. My friend Kelley, whom I love and trust, recommended the agent who helped her parents buy their house. Cool! Our schedules kept conflicting, but finally we found a day where myself, HH and said agent were able to sit down and talk.

I learned more about the home buying process in this one appointment than I ever knew before. Although it sounds intimidating, I’m confident that Bill (the agent), is the right person to help us with this undertaking.

And in the kismet/karma/six degrees of separation department, he’s from NY, and grew up with the man who is now the pastor of the church I grew up in. What are the chances? They are still very good friends. We had a good laugh about that.

The side of town we’ve chosen to live on, means that we’re going to sacrifice house size for convenience of the commute. I feel like, as long as we find the right house, I can be ok with that.

I think we’re ready to take on this process. Our next task is to review and sign the contract with the real estate agent, and let him know what neighborhoods we like. Oh, and make sure we have enough money for all these costs. O_o This would be a good time to win the lottery.

Wish us luck!

52 Week Money Challenge – Counting The Weeks

I was trying to figure out when the weeks should begin and end, and then I found a nice little ISO chart. If you truly are depositing at the end of the week, you could use the “to date” as a guide.

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So, by 2/3/2013 you should have $15 allocated.

How is everyone doing? I may do monthly or bi-monthly deposits until the amounts get higher. I feel sort of silly transferring $3 into savings. LOL!

52 Week Money Challenge – check in

How’s everyone doing with the 52 Week Money Challenge? By the end of this week, you should have a whopping $3 in savings. LOL!

All jokes aside, round about the end of spring these weekly amounts will start increasing. Between summer vacations and the normal unexpected surprises of life, it may become more of a challenge to make those deposits.

HH and I plan on opening a new savings account at a local credit union for our challenge money. For now, I think our $6 is safe and secure.

Have you come up with any strategies? Do you deposit at the end of the week or the beginning? Are you using a special savings account, (like ING) where you won’t have immediate access to the money?

52 Week Money Challenge

So THIS lovely gem was just brought to my attention. A 52 week money challenge to increase savings. It’s geared towards people like me, who feel like we can’t find the room in our budgets. I like it!

The premise is that each week you deposit the amount of money equivalent to the week number, as shown below:

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(Photo courtesy of linked website above)

See what just happened there? $1,378 in your savings by 12/31. Winning! I am going to show this to HH and see if he wants to do it as well. I think we can get it done. Then that’s $2,756 for our household for emergencies, etc.

I know most of the people I follow via blogs and social networking are already good with savings, investments, etc., but I need to get back on track, and you gotta start somewhere. If you don’t have a plan for liquid savings, maybe consider this one. You can’t get from A to B without taking the first step. 🙂