We Bought a House!

While I would like to say this was a long process and give some insight in to the process when there hiccups. Those things really did not happen. I do not have a long interesting story to provide you with. Everything happened fairly quick and seemed to work out in our favour. There are somethings you can only find out after living in a place though. Lets start at the beginning though.

I went into the bank for a preapproval while Mister was on a quick trip to China to help out a friend with some business stuff. I had no problem getting it. Actually I was quite surprised with the results. Maybe I am wrong but I think that was the easiest part. I am not signing my life a way or committing to anything. Just simply looking for a yes or no. Normally everything and everyone says go to multiple banks or broker. A broker can view all offers and rather than you having to go to all the individual places. I absolutely did not make a rash decision. I am a first time home buyer in a market that is becoming more difficult to get a mortgage in and as well as pass the stress test(s). I stand by my decision.

When Mister got back in the country I decided to book an appointment with a relator I use to clean house for. Took my Mother out with me the first day to check out the listing I was provided with. There was one house I was particularly fond of just from the listing. It worked out that we seen the five other homes before this one. I was very much relieved that it was not the first or I would have way over thought it. Instantly I was able to picture it being a home for our family. Exactly what we could do and in my opinion it was move in ready for us besides a few small items. Two days later I took Mister out to see three of the listings. This way he could form his own opinion… I think he still just went with whatever I wanted but I made and honest effort.

The next evening I made the offer and the countering started. In less than two and half hours we made the commitment and it worked out better than I thought it was going to. Paid the deposit the next day and contacted the bank to inform them. The longest part was waiting to hear back from the bank. It took a week and a half, it came in and I could move on.

Next came the house inspection. It was a stellar review, really. Everything that I was told was just simply things to maintain and things in his opinion we should we should think about replacing in the next couple years. Nothing expensive and nothing that causes safety issues. Last but not least was the insurance. I was able to get a letter quickly. Have the file started that way I could just go in to finish up the final details after the fact.

Signed my commitment releasing the conditions I set forth. All I had do was make an appointment with the bank to get the mortgage sorted out. I was informed normally this is already done when this point is reached but I did some of information over the phone. Only information, nothing concrete.

I made and appointment with the bank ASAP to get the mortgage information signed and done with. Once I had that appointment booked it was like every one was on fire to get things done. I had to go insurance before the bank to purchase. The reason being is British Columbia is in a state of large forest fires and they need to know the asset is covered. That day there was a doctors appointment, insurance and then the bank.

The next day I had had my notaries appointment. Where I got to sign my life a way! I also had another doctors appointment that day. Everything was very straight forward. I felt confident in understanding everything was put in front of me. I also felt like it was explained to me thoroughly. I think the hardest part was handing over that bank draft and seeing all that money leave my hands.

Truly this was an amazing home buying experience. It was not with out it stresses but I think that was mostly on me and worrying things would not get done on time. They did and I am so excited about having our own place. I do not have to worry about someone else’s property and can do whatever we want. Not a decision I regret but lets check in on that in a few months.

Officially Home Owners!!!

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Fallen Behind

Wow! I have really fallen behind with the blog. This of course was not intentional. I have had a lot going on in a very short period of time. I mean it is almost time for a the 2nd quarter goal updates. This year has been flying by.

As I mentioned I have quite a bit going on right now. While I am not going to indulge on what those things are at the moment. Do not want to jinx things before they are actually set in place. In the mean time though I am doing a declutter. Everything has kind of just been put in the rec. room in the basement. It is time those things are either put a way in storage or they need to be donated.

I will be figuring out what I would like to put up though. I have things planned but they are not till the end of July. However, there will be introduction post(s)? I have not quite yet decided what I am going to do as a series or just as life proceeds.

Speaking of series, I have not done a ‘Container Gardening’ series for this year. There are reasons for that and I will hopefully still get some plants but will not be growing them from seed. That will come back in 2018. If anyone was looking for that.

Ya, I will be posting regularly again. Something to look forward too!

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Debt Progress – Last Update of the Year

When I last made an update on where I was to being debt free meeting my goal for this year. I had said that I was going to do another progress report before the end of the year hit. I make a payment to one of my debts twice a month but I am still excited to see that amount go down after every payment.

The debt I am focusing on jumped around the first 5 months of the year. I how however am not going to get into what kind of debt it is though. It is was just under $6,000.00. I wanted to have my debt paid down by one third come the end of December. If I break this out separate I will have paid this down to a quarter of the debt left owing. Currently I am just over half way paid off!

The revolving debt I have not really made much a dent in. I do not feel defeated though. I knew that when I made up the payment plan in June that I had a ways to go. I do not gamble (with my own money but that’s a post for another time), so how could I magically pay everything off in a year? I would love to say by the end of 2017 I will have everything paid off but I am re-thinking how I will precede with that year.

I have a method to my madness and I will write a post on what worked for me personally. I just need to make sure that it works for me since I am still on the first debt. There could be half a dozen tweaks I still need to make before things settle on the right path.

This Year is Going to be Exciting

So, I was going to make a post Monday night when I officially got my offical news but I didn’t get around to it. It is now Tuesday evening and I thought (you will see this Wednesday morning) I should get this done before I sit down and do more work. I mentioned in my 2015/2016 post that Effie and Little M might be moving up here. My official notice for the official month is March!! I am excited even though it is very much unknown. 

I don’t know exactly when in March (I am sure Effie doesn’t have an exact date picked out either) but it’s better than not knowing anything. I plan on talking to my landlord when he gets back from Vacation. I had mentioned something about this back in the fall just to see if it would be a problem and I didn’t get the feeling. 

Effie does know the address to the blog but I don’t know if she’s been looking at it at all. Not that I put anything too personal on here anyways.

Little M won’t be here right always, which I am sad about that a little. Him and his dad are going to stay at the current house till we get things figured out. Besides with it being tax season March/April I wouldn’t be able to provide as much help as would be needed. I think it’s great that they will get lots of one on one time anyways. 

I think I will leave it there. Now I am off to bathe Bullet, work on the pantry a little more, and than get some work done.

Organization: Stickers

When I grabbed stuff to do the Christmas cards this year I found my sticker situation very stressful. In the beginning I did not have much of a system at all. I had a couple extra binders and put pocket folders in them. I preceded to label and sort the stickers into the folders. It was not very pretty but it worked me (better than a huge pile anyways). A year or so later Mom and I were going to garage sales and she pointed out a scrapbook accordion folder that was stuffed with stickers. I bought it of course.

Now over the last few years I have purchased stickers at cheap sale prices or at dollar stores. I than just threw them in on of the pockets of the accordion folder I now had. Now these stickers were about 80% organized before I bought them; so it could have been worse. For me though it was not my system and having two different spots just hasn’t worked out. 

   
 

I grabbed one of the large binders I had (was for the last university course I was in) and a bunch of page protectors I use for letters, cards, and miscalenous I receive from people. I’ve made make shift labels and taped them on with packing tape. There’s no garentee this will work out but at least I can take out the group I want and dump it out to see everything. The accordion folder hides the small sheets of stickers. So really what good is that? 

Not only that I needed another organizer for the specialty papers, print papers, and card stock I have. Seven years a go I had boughten an accourdion folder from Michaels (containing not so fancy print paper) in the regular scrapbooking page size. I have this filled to the brim. Everything works out in the end. 

  
In the end I used two binder and found more stickers that need to be put away properly. These binders are already bursting so I’ve got to finish up some of these projects and not buy anymore unless I have a current specific need for them.