Archives

The Second Hurdle

Yesterday was the second hurdle in this house buying process. First, put an offer on a house. Second, you get that house inspected.

Today I am terribly emotional though. I know your first thought is that the inspection went terribly bad. Actually it was quite the opposite. The house is 40 years old so obviously it wasn’t perfect. The inspector pointed out a few things here and there. A lot of which he said wouldn’t need to be done for a few years. Yes! Nothing needs to be done right away. That’s a relief. It costs a lot of money to buy a house you know. But there was nothing major. Thank goodness!

So what’s wrong with me? Why am I emotional?

I’m nervous. I’m scared. I don’t want to make a mistake. This is a big deal. This is a huge commitment. I’m not the biggest on commitments. Hell, I’ve never even been in a committed relationship. Never! In a way this house will be my first in more ways than one.

And there is absolutely no way for me to know undoubtedly that this is the right decision. I know, you’re probably wondering why I didn’t make sure this was the house prior to putting an offer on it. I did. At least I thought I did.

This house has pretty much everything I have been looking for in a house. I got everything I asked for when putting an offer on it. The inspection went great. So far the process has been very smooth. I really couldn’t have asked for anything better.

Maybe that’s the sign that I’m looking for. It’s not like I have hit a wall at every turn. I’m not having to fight for anything. Maybe that means that this house was meant for me. The first people’s financing fell through. They weren’t the right people. I am. This house wanted me. Well that might be taking it a little too far. But I think you see where I’m going. lol

I’m sure that I will get excited again. But today I’m not. I guess that’s what I want to share with you all. As happy and exciting as an experience this is, there will be ups and downs. There will be moments where you doubt yourself. But those times and those moments will pass. I’m sure of this. Today, right now, I’m scared. But tomorrow I will probably be excited again. Especially since I really need to get the new carpet lined up. Who wouldn’t think looking at new carpet was exciting?!

Advertisements

The First Hurdle

I’ve asked what all to expect when going thru the process of purchasing your first home. Supposedly there are 3 hurdles and I am past the first one. I’m not sure so about that. There may be 3 big hurdles but the in between time is a hurdle in itself.

What are these 3 hurdles?

  • Hurdle 1 – Placing your offer and it being accepted
  • Hurdle 2 – The inspection
  • Hurdle 3 – The appraisal

One could argue that finding the right house is actually the first hurdle. This is the one that was the hardest and took the longest. For me at least. But once you find YOUR HOUSE, these are the 3 hurdles you will have to overcome to get YOUR KEYS.

So the first one is done for me. I put an offer on the house, there was minor negotiation and then acceptance. The house is pending and the seller can not accept any other offers at this time. I have to tell you as I was showing one of my co-workers I saw the status said Pending instead of Active and it made me a little frantic. When looking for houses, you only want to look for the ones whose status is Active. Otherwise you are just wasting your time. My first instinct was “No, how can that be? I put in an offer and they accepted.”. Then I realized it said Pending because of me. What a feeling?!

After your offer is accepted, your lender will start requesting all sorts of documents. Fortunately for me, I had already given him copies of my tax returns and W-2’s when I was pre-approved. However, there was still a lot of documents needed. They were easy enough to collect though. If any of you are considering to purchase a house be prepared to do this. I was asked to collect the following:

  • 3 years tax returns along with W-2’s
  • most recent month’s paystubs
  • color copy of Driver’s License
  • 2 month’s bank statement for all accounts – checking and savings
  • to take a First Time Homebuyer Education Course online
  • to give them my homeowner’s insurance information
  • copy of front and back of cleared Earnest Deposit check along with updated bank statement

The list may seem daunting but it’s not as bad as it looks. If you keep good records, your tax returns, W-2’s and bank statements will all be easy. Your Driver’s License should also be easy as well as your homeowner’s insurance information. Well, unless you switch insurance companies. This may add a little to it but still not difficult. If you take it little by little, it will all get done and won’t be overwhelming.

That’s the first hurdle. Offer and begin paperwork with lender. Done.

Now I wait for the second hurdle – inspection. Mine is tomorrow morning and it can not come soon enough. I put my offer in Saturday. The offer was accepted Sunday. Monday I was a blabber mouth and told everyone I knew. Tuesday was about gathering the documents for the lender. Today, Wednesday, I don’t have anything to distract me from the inspection. I’m nervous. I’m excited. I’m eager to see if this house is in good form or if I’m going to have to walk away. Yes, that is a possibility. I’m hoping and crossing my fingers that I won’t have to. But you never know.

Time is, in the words of one of my dear friends, creeping my today. Hurry up already!

I bought a house!!!

I have great news! Great Great News!! I bought a house!!!!

Well I’m in the process of buying a house. My first one. It’s been a very long process. I started saving over 2 years ago, I started looking, casually, about a year ago and more seriously the beginning of the year.

There were so many houses. Some that were obvious no go’s. Some that were real contenders but someone got to them first. Oh this happened a lot. For those of you who might not know there were a few months over the winter and spring where people were going over the asking price (by a lot!), paying their own closing costs and some even took the house AS IS just to win the bid. I did not want to do this. Although I’m not going to lie, I did put an offer on a house where there were at least 2 other bids. I went over asking and only asked for partial closing.

I didn’t get the house. I was hoping my going over as much as I did would offset me asking for the partial closing costs. I guess I’ll never know. It doesn’t really matter now anyway. It was in the perfect location though. However, there is no comparison between that house and my house. I love saying that…my house. =)

Part of what took so long for me to find the right one was because of the housing market. Houses were going so fast. Some were selling in hours. Hours! But part was due to my budget. I’m not going to list my budget on here, understandably so, let’s just say it’s not in the millions. Not even close. Trying to get everything you want in a house on a non-million dollar budget isn’t easy.

I also couldn’t decide, not fully at least, on a location. I would focus in one area then switch to another. At one point I could see myself living in 3 completely different areas of town. People told me not to focus on the location. Yes, location is important. But when I find the right house, the location will be right for me too. I’m not sure I agree with this 100%. There were a few houses that I liked quite a bit but the location just didn’t work for me.

Busy streets. I had a thing about busy streets. I just didn’t want to be on or even near one. I worried that my cat would get out of the house and run in to the street. I feared that my nephew would chase after a ball and a car would be coming by. I’m not normally a worrier but man do I around busy streets.

This house, my house, isn’t exactly where I wanted to be but I do like the neighborhood. It’s close to both my Mom and one of my brother’s. My stepdad’s cousin even lives a few streets away. It’s not as far south as I had hoped to be but it’s not too far north either. The house itself makes up for the location. It has just about everything I was looking for. I can move in and not have to worry about fixing anything. Sure there are a few projects I already want to do but they are wants, not needs, and they don’t have to be done right away. Yay!

I looked at the house twice. Once with my agent, who is also my sister. And again the next day with my Mom and stepdad. Everyone liked it. My sister even said, “You’re going to leave me aren’t you?”. Currently we live less than a mile from each other. The new house is also about 25-ish minutes away from where I am now. It took me a little while to get the nerve to say yes to the house. Get it? Say yes to the dress. Say yes to the house. No? Ok, well I’m sure some of you will. hehe It’s a big step. Did I mention this is my first house??

I’m so afraid of making mistakes and this would be a huge one. I had to think about it. Could I really see myself living in this house? Does it have what I’m looking for? Am I ok with the location? Is it too big? And the big one, can I afford it? I’m also one to reach out to friends and family for advice. I do it all the time. This was no exception. I must have reached out to 10-15 people. Everyone liked it, even loved it!

There was one thing that I kept thinking of. This might seem silly and no, it’s not the reason why I chose to put an offer on this house. But it was on mind as I was making my decision. At the base of one of the deck posts was a rose bush. On this rose bush there was a single rose growing. My Grandma loved roses and had rose bushes of her own. Seeing this rose made me think of her. I feel as if she was trying to tell me that this was the one. My search was over. I had finally found the house I was going to buy.

20170909_091825

Man, I’m getting teary eyed writing this. I wish that she was able to see the house that I have chose. To help me decorate, watch TV together, make apple butter together, play rummy on the deck, etc… I could go on and on. I miss her so much and wish that she was enjoying this with me. I know that she would be so happy. She is with me though in my memories and so many other things. I have a few pieces of furniture from her house that will now go in my house. Her pictures will be spread throughout. I will make apple butter, banana nut bread and even pecan tassies (my favorite of hers!) in her memory. Sitting on the back deck, more so on the lower deck area, will bring back memories of my Grandpa. So much of this house, mainly the back yard, made me think of their house. They were both on my mind so much this last weekend.

I feel I have somewhat gotten off topic. Sorry!

Bring it back Bettina…so I put an offer on the house and it was accepted! Yay! Technically the seller countered and I accepted their offer. But still yay!

That’s where I am at the moment. It’s still very early in the process. My inspection is in a couple days. Fingers crossed everything goes well. Nothing to do but wait until then. Stay tuned. I’ll try to post throughout the process and of course through the first few months of being a new homeowner. =)

Weight Loss Tools

I think one of the biggest things with eating and losing weight is portion control. Our eyes are bigger than our stomachs and we continue to eat even after we are full. We do it all of the time.

Quite often we don’t know how to gauge how much a cup is, a tablespoon, etc. I measure pretty much everything I eat. I try my best to be as accurate as I can.

These are my tools.

20170826_073903

Without them I would probably not be where I am today. I’m being honest, not trying to be dramatic. No, they didn’t necessarily make me lose weight. I lost the weight by making good, healthy decisions. But using the measuring tools definitely aided in that process. I would have lost weight but I don’t know that I would have lost as much as I have.

Why do I say this?

Because they help me not take in additional points without realizing so.

I use my dry measuring cups and my measuring spoons just about every time that I cook.

Love my owls!

My food scale and my liquid measuring cups come in as a close second. I use my scale mainly when measuring how much meat I’m eating. Meat and cheese. Not that I eat a lot of cheese. Cheese is a lot of points! But occasionally you gotta give in. You just have to.

I’m also always looking online to see how many tablespoons in this or teaspoons in that. So when I came across this beauty I couldn’t pass it up. It comes in quite handy.

20170826_074251

And when I drink I always measure how many oz I’m drinking. So this little guy helps with that.

20170826_191522

Use your friends. Yes, my tools are my friends. lol They will help you!

NSV NSV

So in Weight Watchers they use the acronym NSV a lot. I’ll be honest, it took me quite a while before I finally figured out what it meant. NSV is short for Non-Scale Victory. Duh!

I don’t often think about them. At least not as much as I probably should. I focus on the number a little too much if you know what I mean. But when you lose weight there are a lot of non-scale victories that go along with it. I have so much more energy. I feel better both because of my health and because I’m not depressed when I look in the mirror. I’m able to fit in to smaller clothes!

That is what today’s NSV is all about. My closet ranges from a size 3-4 to size 12. Well the size 3-4 might not be in there anymore. A little over a year ago I cleaned some of my clothes out and thinking I would never be that small again I think I threw those out…umm…I mean donated. No really. I do think that I donated them. Anywho, I still have all of the other sizes. Except for 10’s. Apparently when I gained weight I totally skipped the 10’s. So now that I’ve been losing weight my size 12’s are super baggy and I refuse to buy 10’s because I am so close to being able to wear a size 8.

Guess what?

I don’t have to wait anymore. I fit in to a size 8 this morning! Woohoo!

20170823_093506

You don’t even know how good this has felt. A size 8!

20170823_094122

I was all smiles. Yes I was! =)

20170823_094905

Who is that skinny girl??

ME!!!!

I had been trying them on every once in a while for a little over a month now. But they just weren’t fitting right. Then yesterday I was talking to a co-worker about how I’m surprised that I can’t fit in to them since I have lost so much weight. I feel that the last time I was the same weight I was able to wear them. We were trying to think of the various reasons why maybe I couldn’t. Later that night I got to thinking and I realized that it has been a couple weeks since I had tried a pair on. So this morning I thought I would give it a go. They zipped up, my fat wasn’t flowing over the sides and I felt comfortable.

Such a great moment!

The best NSV so far!!

Now I will wear these 8’s until I get to my final goal. I can not wait to see my 8’s get baggy!

Thief!

Mr. Trixie stole my fudgsicle today!

I couldn’t believe it. He’s never done anything like this before. But he sure has now. In fact he did it 3 times!

The first time I was shocked.

The second time I didn’t think he would do it again.

The third was so that I could get a picture since I didn’t either of the first 2 times. Lol

Crazy cat!