EASY COME, EASY GO

Hubby and I have to laugh because sometimes we just wanna cry.  Right when we have money saved for one thing, another crisis comes up. The money saved goes elsewhere, not for what it was intended for.

We've been saving money for furniture, garage/carport/deck and other things for our new home. We had plans to use Uncle Sam's refund and we did have some saved

However, our life doesn't go that smoothly.

Unexpected dental bills came. It is totally ridiculous the medical professionals want such a high down payment when we have insurance. Lawnmower broke. Weed eater broke.

Lawnmower and weed eater needs to be replaced soon because the grass won't stop growing. We knew the lawnmower would be needing replacing but just not this soon.

Of course, since that money slipped through our fingers, a freezer we had been watching for came on sale. Why couldn't it have come on sale a week earlier?

I think I am going to buy a lottery ticket this weekend.  Maybe for once our luck will change. I'm not banking on it though.

It is just so darn frustrating.

I guess one way to look at is, at least we are able to save some and we do have more than others.

Have you saved for something but have to use the money for something else?

Home Buying: Chaos Continues, Lender

Last post I was stressed with losing my Walmart Gift Card and Bank Debit card. My day didn't get better. The mail-lady came later than usual with 2 pieces of certified mail, one for me and one for Hubby as well as 2 other pieces of mail for each, same company. 

If you have been following our atrocious journey in owning a home, we had problems from the get-go. As we look back, we can see where there was times when we should have just walked away from the whole mess. Unfortunately, we didn't. And here we are.

The original Lending Company who gave us our loan sold it to another lending company. Then that lending company sold our loan to ANOTHER one. I think our loan has been bought and sold at least 4 times since January. 

I think that is totally wrong, especially when we weren't notified for each turnover. Why can they change our contract just like that? And we can't? There is definitely something wrong with this industry.

I don't quite understand the whole process but thankfully Hubby does, at least a tad more. Even though the original Lending company sold it, they are still in the mix because if the company that bought out loan doesn't abide by their agreement, the original lending company can do something. I do not know exactly what.

Anyway, last week we also received a rather nasty letter from the insurance company for something because the lending company is not talking with the insurance. 

Since our original move in date was so screwed, it moved our Loan Due date. So our first mortgage payment was for February. Hubby sent it.  It was cashed. 

Let me say since the mortgage lender has changed so many times, it is freaking confusing.  Where we sent the mortgage payment, on the note, it has 4 different addresses and phone numbers. I don't mean same office. The BIlling is in Carolina, Tech support in Texas, and so on. It's absolutely ridiculous.

Hubby has called these people numberous times but can't get anyone. There is something wrong with their phone line because he goes through the automated but once it gets to a real person, its garbled and they are disconnected. He tried it on his phone, my phone and his work. He tried different areas..Same thing.

He has received threatening emails and phone calls, when he can't get to the phone at work. When he attempts to return the call, the call is dropped. I am not saying this happened once or twice. I am talking about 5-10 times, if not more.

We keep getting mail and stating we are in default  All four pieces of mail we received yesterday were the SAME THING.  Alot of wasted postage, wouldn't you say? They tacked on about $300 more dollars. It says it is now in collection and we could foreclose and lose our collateral? Excuse me?

Hubby keeps telling them they cashed the check and he was NOT sending another check until they found the one we sent. They told him to send a copy of his BANK STATEMENT proving it. 

My poor Hubby, who is normally a very patient reasonable person, refuses to do it. He asks (And I totally agree) why do WE always have to prove everything? 

I suggested we offer a copy of the cancelled check but not the bank statement. What is it with these freaking financial institutions?

Hubby has stayed in contact with our original lender's contact we've been dealing with. SHe is sorta the go between and she will get back with him after she finds out what is going on. We refuse to pay the note until they figure out where the hell our first note went.

I told Hubby, it might cost us more but maybe it is time to hire a lawyer for legal advice. 

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By the way I did go to Wal-mart and I have to say it went smoothly. I brought them the receipt. They deactivated the old one and gave me a new one with my previous balance. It worked at the gas pump without a hitch! YAY! Finally Wallyworld comes through for me.

We Are Finally In our Home

Seven months later we are finally IN OUR HOME.  We're not settled yet but that willl take a while because as usual  the salesman didn't keep his promises so we've had to clean the manufacturer's mess. It was ironic that there was a certificate stating that the home was clean by so and so from the manufacturer taped to our counter.

But I don't want this post to be negative. Although there are issues they will need to take care of when we submit the "punchlist' in a few months, I am enjoying our home.

We haven't emptied all the boxes or removed the dust etc yet. Hubby is working a lot and I'm doing what I can one room at a time. But it amazes us that we had so much stuff in that little bitty apartment.

I love the wide opened spaces. We are not cramped.

I love my walk in pantry and the abundance of cabinet space in my kitchen. We actually have cabinets not being used yet. I joked with Hubby that I need to go shopping to fill the cabinets.

I love the quietness. When we are inside, we hear cars pass as there is a highway but we get used to that. There are no kids screaming on top of their lungs. There is no one above us stomping and running.

I didn't think I would like the many big windows. However, during the day we don't have to put the lights on because the sun is our light. Just totally awesome.

The other day, I had locked myself out of the house so had to wait 3 hours for hubby to come home. As I waited outside I heard the sweet sound of a cow mooing. Yea, now that is country!

It is nice to look out the window and able to see the blue sky during the day and the moon and stars at night. In our apartment these were obscured by trees.

As I was sitting here one day in what I call "MyHubby's Mancave" which is actually the entertainment room,  I saw something move in my peripheral vision. I looked and there were flocks of blackbirds. Not one. Not two. Flocks. They covered our yard as well as our neighbor's yard. Here is a picture of only a fraction of them. It was so cool. It reminded me why I love the country.

We still have a lot of unpacking and decorating etc to do but it is so nice to just be in a place that is ours.  

We are now home!