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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Goal Update – 2nd Quarter

First of all I would like to say Happy belated Canada Day and Happy early 4th of July!!

We really have flown through the first half of the year and to be honest; the second half will be no different. Of course check out my last post Goal Update – 1st Quarter to see how things have gone in the last three months. Other than that lets get right into where things are now.

  • Quitting smoking (again).

This has been done but I am still not revealing the reason why just yet.

  • Buying and moving to the small town.

This was originally two separate goals. This has not happened yet but we will see in the near future.

  • Dealing more with clients in the office.

Still pretty much deal with clients on items that I have worked on. It does seem some clients are more comfortable asking me their question(s). I would say it is moving forward.

  • Making sure things stay caught up and the new procedures are followed in the office.

This is just no ha-ha. It will get there but it still has not worked out in our favour. Yet.

  • Cutting my debt in 1/5 from the beginning of 2017.

I am just one month a way from having half paid off! Which is incredibly exciting in my opinion. When I set these goals, this one in particular, I wanted them to be achievable. It turns out I have underestimated myself a little bit but life has also worked out in my favour which does not always happen for everyone.

There are a lot of variables for the remaining of the year but I expect to 3/4 paid off at least. As long as I keep making an honest effort and I do not set myself back once the goal is complete. I will be satisfied.

  • Keep my time and life organized.

Still has not happened for me! Even if I had gotten somewhere with this it would be changing any ways. In the mean time I am trying to let go of possessions that do not have any place in my life. I think this help when I can get around to organizing life/house again.

  • Staying on top of the blog.

I am just not going to bother touching this one.

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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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Goal Update – 1st Quarter

Things have been crazy for the first half of the year. Things were going to happen and then things did not happen. As I did last year though, I am doing updates through out the year of things I wanted accomplished this year. You can check out the post which tells us what happened in 2016 and what I am going after in 2017 here. So lets look at where we have made it so far!

  • I have to quit smoking again :(. This time it will stick though because of surprise reasons.

This hasn’t happened yet, I have a date though.

  • Moving back to the small town.
  • Than buying a place in said small town.

These two go hand in hand now actually. There was a place we were going to move into for a time being but things fell through. It was for the better anyways.

  • Dealing more with clients in the office.

It is tax time so I have not had much contact with anyone really. Things are a little different from last year though.

  • Making sure things stay caught up in the office. Keeping the new procedures in place.

We are not quite there yet. This has become more important than ever though.

  • Having my debt cut in 1/2 from what it was at the beginning of 2017.

Here is the big one. Now I have not and will not post amounts of monies owing for obvious privacy reasons. It was not the biggest amounts but when you live pay cheque to pay cheque it makes quite the deal on a budget. I was able to go back and check what I owed on one of the debts in the beginning of the year. Two debts have been paid off as of March 2017.

At the end of the first quarter I have paid off exactly one third! Give or take a couple dollars of course. This means having the half paid off is very close. I chose only a half because sometimes things happen and changes need to be made. I have had to alter my payment plan and expectations more times than I want to admit. I will do a full post on this in the near future.

  • Staying on top of the blog.

Clearly this has fallen behind. No need to go into it any further.

  • Keeping my time and life organized.

I did try to start working on this but tax season happened. This has become even more important now. I just need to find my own personal system that works for me.

If I am going to be honest things with the blog are going to change a little. It will still be a personal blog but with new topics. I have said that before in the past and I still have my heart set on previous series. Things cannot be forced when it is not their time.

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10 of my Favourite Books

This will have to be one of the toughest lists I will make. I feel bad for leaving any books out but I will admit there are some I just become disappointed in after finishing. I also never leave a book unfinished, even if I cannot stand it half way through. On with the list.

  1. Fried Green Tomatoes by Fannie Flagg – So many feelings are had when reading this book.
  2. Tale of Two Cities by Charles Dickens – I actually have a hard copy of this book. To be fair this book takes commitment to read so it does not happen all that often.
  3. Call of the Wild by Jack London
  4. The Help by Kathryn Stockett – I just really enjoy this book
  5. Catcher and in Rye by J. D. Salinger
  6. Dream Catcher by Stephen King – This book terrified me ha-ha
  7. The Hobbit by J. R. R. Tolkien – I read this book in 7th grade (borrowed it from my step-father) and I just immediately fell in love with it.
  8. Animal Farm by George Orwell – We read this in school but I have read it many times since than.
  9. Charlotte’s Web by EB White
  10. The Tragedy of Pudd’nhead Wilson – Mark Twain

This list was even harder to write than the movie list. There are just so many out there. Again, I head trouble keeping to the recent but the classics are just that, classics. I made sure not to repeat any authors and picked my absolute out of the handful of books I love from some of them. Till tough narrowing it down to ten though.

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