Exhaustion..

Is starting to set in.

1am is coming up and I still have so much to do.

The building inspector will be here at 9am.

I have paint drying in window frames.

I have hair drying on my head so that I don't have to have a shower in the morning because the caulking is still drying in the tub surround.

I am trying to finish up some more typing for Dr. H because I have written so many cheques and withdrawn so much cash this week that my overdraft is in overdraft.

The whole left side of my left hand has completely gone numb - either from bleach poisoning or typing - who can be sure of these things.

I have probably purchased a home that I spent less than half an hour in. OMG!! LOL - That's soooooooooo me!! I either over analyze a purchase to death and kill the deal or I impulse shop!!

So...am I happy....yippy skippy!! Mike and Riley are elated but scared to believe that it might really happen. We're all kinda scared to get our hopes up.

The end of our misery is near. I do believe we'll have most of our answers in about 12 hours. After our buyer has her building inspector through, and her financing is clear, then Bob will contact Cathie (the WF agent) and let her know to put the former offer ppl on notice and they will have 48 hours to come up with a way to buy the house.

If they can't (keeping my positive pants on here) then it's a done deal!

Sandra (yup, that one from the candle factory, facebook, and GNO gone bad) works at my lawyers, and she told me today that very rarely do the potential buyers have a back up plan if they can't sell their house (been there when Nelson Street slipped away from us).

Going....going.....

Joanne Didn't Call...

Joanne Didn't Call....Which is totally weird because Grace is in heat...

Joanne always calls when Grace is in heat so when I came home from work tonight and heard Grace yelping like Yanni, I thought for sure I'd hear from JoJo...but it's after 10 and the phone hasn't rang. However, I rest easy in knowing that Grace will be in heat for at least another 4 or 5 days....

So...things are progressing along regarding our little real estate thingy.

Suffice it to say, I will never be a real estate tycoon, nor will I ever decide to be a real estate agent, a mortgage broker, a house flipper, a building inspector or anything remotely involved in buying/selling or trading homes. To be quite honest, at this stage, I may never be interested in doing this again. So if this deal falls thru, I may just stay where I am. If this deal goes thru, I may just stay on my sweet little ass in WF til the cows come home and Hell freezes over (if it hasn't already)...

Which leads into...

The building inspection went well. Gord (the inspector) wasn't able to assess all aspects of the outside of the house due to WF being under 12" of snow (YAYYYYYYYYYY!!!! - snowmobiles, sleds, and snowdays for us - maybe!) but all in all, the house isn't gonna slide into the falls or into the mill!

The financing is AOK! YAYYYY!! - money to buy a house and pay off the debts!!

The insurance is AOK!! Yayyy!! - if the house slides into the falls or into the mill - we're covered!!

Now - we wait on our buyer - her money looks good - but we have to be sure.

She is sending her inspector here on Thursday morning at 9 and she reviews it with him at 10am. We should have all our answers later that day or early Friday!! I'm a bit worried about the inspection...of course, I am....I'm a worrier .. right Jo? 'Sides, she got an inspector from C'leith. Isn't he bound to be a snot? Hmmmm.

So, we've done all kinds of work 'round here today/tonight in prep of the unknown and are keeping stuff crossed.

BTW - the mutt is doing fabulously on the raw diet. His coat is incredible, his demeanor is almost sweet, and his itchies are completely gone.

Missin my Dad alot this week. xoxo

The Lesson To Be Learned?!

So I'm not a patient person!
I get that!!!!

BUT WHAT THE HELL?!!

I have to wait on the building inspection in order for the insurance company to tell the mortgage company that they would insure the home.
Then the mortagage company tells CMHC that they will back us.

Then, we have to wait on our buyer to send in her building inspector to tell her insurance company that our house is safe to insure so that her mortgage company can tell CMHC that they can back her.

Then when all the ducks are lined up and the sold sticker is about to be slapped on our sign...

We have to wait again....

Why? Well because...we have to wait on the ppl who we're going to buy the house from to notify the ppl who put in the conditional offer on the house in WF....then those ppl have 48 hours to "shit or get off the pot" so we then have to hope, pray etc that they don't pull a rabbit out of their ass and come up with a bowl of lucky charms and buy the house.

THEN...and only then...will we maybe, sorta, kinda, have sold our house, and bought a house!!

IF we pull this off....we may just be able to accomplish our original goal which was really never about moving to the country as much as it was about paying off our debt....

IF this works out...we should be debt free...'cept for a still VERY reasonable mortgage.

We will fulfill our promise to ourselves when we listed this house 6 months ago.
1. We will cut up all our credit cards but one (we need it for concert tickets, monthly insurance premiums for the dog, and emergencies).
2. We will pay off our overdraft protection and have it reduced to the bare minimum.
3. We will pay off our line of credit and have it reduced to 25% so that even if we "rack it up" again, we can pay it off in a couple of paycheques
4. We will save for large ticket items - not buy and then pay (unless the deal is "in our face" or an emergency arises (ie. furnace etc)
5. We will use an allowance of cash from our paycheques rather than our debit cards
6. We will keep our receipts and start to track our spending
7. We will teach Riley from our mistakes
8. I will sleep again

I really hope that we can follow thru on these seemingly impossible and unrealistic goals. After reading and watching so much on debt management and budget planning, the above goals seem to be the only way that ppl manage to live by it.

So...the lesson learned? Do not live on credit.