Working for yourself can be tiresome. Usually I spend most of the day working and then not doing anything I actually enjoy. I’ve been trying to get into a better balance with that sort of thing, I’ll work a set amount of hours per day, then have the rest of the day to do things that I actually want to do.
In the last few days I’ve played video games, worked on this site more, and been binge watching Scrubs on Netflix. The problem with that is I am not actually sure I am enjoying it. I’m so stressed out about the financing for the house and what I want to do in the house, I can’t enjoy what I do actually have now. I’m not even sure if I am going to get the loan, so I am also stressed out about this and having to go back and finding a new house is going to be heartbreaking because this house is just perfect.
I didn’t hear from the loan officer for a few days and just heard from him a few hours ago that he will be sending me a list of things that will need to be on the list to fix in order for financing to be approved. Right now we’re waiting on an estimate from a contractor to tell us the price of getting everything fixed, hopefully the bank’s list of things will be less than the contractor’s list.
The problem is that there’s a lot of little things rigged together to work that isn’t put together the way they are supposed to be. In theory it’s relatively easy fixes that we could do by just reading up on it, however if it’s on the list of things the bank gives us, then it needs to be done by a licensed contractor and the money needs to be set aside in an escrow account.
Once the list is done the next step is to see if the price of the loan, plus the price of the money in the escrow account is less than the house is worth. If it is then they can start the approval process. If it isn’t then we need to find a different house. Personally I am not that concerned about it though, the area has houses that are smaller that are $50,000 more money when they sell and this house maybe has $10,000 worth of fixes needed, the biggest one being a new roof which is going to be around $8000. Everything else is pretty minor things, like the attic fan not working, replacing screens, changing the elevation of the washing machine and dryer in the basement, simple things like that.
I’m not sure when we’re getting either list, but I hope it’s soon. We need to put in a counter offer so that we can get jump start on focusing in on just the finance portion of the deal. The financing alone takes about 60 days so we still have a long road ahead of us. I just hope everything starts going smoother.
I’m so sorry that house hunting and playing the waiting game is stressing you guys out. This is why I would rather go with an apartment. I had one at one time, but even I struggled monthly with food. Thankfully the community I lived in helped each other out, and when they saw someone suffering, they helped them out.
I agree it’s back to high school drama all over again. I wrote an apology to her, and she wrote me back this morning and told me that it was not an apology at all. I wrote I apologize for any behavior etc.etc. I guess she read it wrong or took it the wrong way. But damn. And I do agree that if this guy was copying, and she had a legal copyright — she could take legal actions. But I highly doubt the guy was copying her. In fact — she was claiming that he was stalking her on Deviantart, and on Facebook. So what we look around that doesn’t mean that he is a stalker. Maybe he’s looking at her art to get an idea ya know? But it is what it is. I can’t block her again until the 48 hours are up. But whatever. I’m done with that high school stuff and she kept at it with me after telling me that she has no problem and that my apology was not an apology. But whatever.
Ugh that sounds super stressful. I am so bad at managing my own time. I could never work for myself. I work so slowly when I have to create things because I get so incredibly distracted! Good luck with all the house drama going on! I hope it works out!
House hunting is the most stressful thing ever. Hands down. Keith and I bought in June, closed in July, moved in in August, and that whole three month period was madness. It’s such a judgmental process and some of the loan processors are just idiots. I think we sent the SAME documents about 100 times. Either way, good luck. I hope it works out and I hope you get the home you want!
Wow, sounds really stressful. What’s working for yourself like? I can only imagine how much more work you have to do, though.
It can be stressful, especially when starting out with few clients, but once you get a solid string of work it gets less stressful. Being able to work in your pajamas, or anything else is nice. Plus I can choose to start work at midnight and work through the night if I want.
In reality though, it makes more sense than having one job. If you lose your job then you have no money coming in. If I lost a client I have others that I can depend on and if I needed to find more, then I could.