Thursday, May 29, 2008

Balls in the air

This past weekend, we found a house that we want to make a bid on. We did the remaining research, and emailed a list of questions to our agent, who forwarded them on to the seller's agent.

They came back with: let's see your pre-approval before we go answering any questions.

We have spoken with a mortgage broker, who basically said that they would talk to us once I had a job lined up. While there are a million more brokers to speak with, we would really like to do owner financing on this one.

So today I applied through Lending Tree -- just so I can have numbers and pre-approvals. I am debating including my credit score to the seller, but that seems like TMI.

Today I will also be researching FHA loans, which is also a possibility.

This weekend, we are supposed to be meeting with a well connected person in New Haven (I called him this morning and not heard back yet) and I am looking forward to getting some insight on employment, in terms of teaching or companies that he knows of that do rehab work. One requirement is summers off -- so we will see.

Last night's shoe class was awesome, awesome, awesome. I am so excited to be engaged on a creative and intellectual level. Going forward, I will remember this and continue to take classes -- in New Haven, I will be able to audit classes and get the stimulation that apparently, I crave.

And tomorrow -- another huge milestone -- I pay off my AT&T credit card. That means I have one left, and then, Bad Debt Free! It feels awesome to be achieving my goals, and setting myself up for future successes.

When I first sat down with all my debts, almost a year ago, I couldn't believe that it would take a year of scrimping and cutting back to the minimum to achieve this goal. And yet, here I am. There have been slip-ups and other expenses that have come up (kitty eye surgery) but somehow, I have been able to make it work and stay on track, with paying off debts, saving for investments and still having a great time.

Till tomorrow, and the achievement of another goal!

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