Mortgage Monday: Timing

It seems like a constant dilemma that we are facing week after week, project after project. The simple, yet complicated, question that continues to arise is whether we push some of the renovations back into the spring or just get them done now? As I have disclosed previously, it is a really long list of things that we are planning on having done at the house and the constant routine that we find ourselves in is less than ideal. I guess a better question is how much more of this can we handle?

While a postponement would bring us some quiet time heading into the fall and some greater flexibility in our schedule, it would also leave us with a few things that while not essential, are either an eye sore or simply aren’t conducive to us fully enjoying our home. It would also leave a few things ‘half done’ at this point which is less than an ideal situation we would find ourselves living in. But it would be quiet and that is something that can’t easily be overlooked.

However, there are a few larger projects that simply make sense to get done now. We already started the transformation so why would we stop in the middle right now and keep us from seeing our plans for our home from coming to fruition. Yes, it will be noisy, inconvenient (most likely less so than the first round), and put a decent dent in our bank account but we would have nearly everything done. And with these things off the list we wouldn’t spend the cold months cooped up in the house staring at the things that we wish we had changed.

It is a matter of deciding whether we want to relax a little now or relax and breathe easier later? Do we want the inconvenience now or later? And, most importantly, how soon do we want to complete the transformation from our house to our home? This doesn’t mean that we have to check everything off of our list but knocking out a good portion of it would go a long way and allow us to push back a few of the other, “less important”, projects.

Either way, it is safe to say that we are all looking forward to the day when we can consider everything done. And while I can’t wait for that time to come, I am also a realist and know that there will probably be an entirely new list that has been drafted in the interim and I am not completely sure if this is a good thing or a bad thing at this point. What I am enjoying is the fact that no matter when we do all of these things, we will be improving our home and we will be able to enjoy them for many years. So, here is to the future!

Mortgage Monday: Not Recommended

There used to be plants there...

One of the many projects that we have checked off our list so far this summer has been to get some basic landscaping done. Nothing complicated or expensive. Basically, all we needed to do was to remove the plants around the house, side and back, and replace with grass or some means of drainage. Again, simple is better and what we really wanted to accomplish was to minimize maintenance while avoiding future potential problems.

After going through the usual process and receiving a few quotes, some in writing and some over the phone, I decided to hire a local landscaper who came well recommended. Everything was falling into place and we agreed upon the work that needed to be done. The whole process was going smoothly… at least until they showed up and actually started working.

Well, it was bound to happen. Our luck has been too good with contractors, service companies, sales people, and other transactions lately. Someone was bound to foul up at some point and last week we had a “winner”.

I took the time in the early morning to give a final review of the tasks that needed to be accomplished for the day… this was a one day project. When I left for work that morning I felt pretty good about what I would find when I came home that evening. After multiple phone calls throughout the day and seeing what still needed to be done when I pulled into the driveway that night, that level of comfort had completely disappeared... the work was going to take an extra day and the work that had been completed was not of the quality that we were expecting (I'm not sure that they are familiar with the concept of parallel lines). 

In reviewing the footage from our security system, speaking with my wife, and watching a little as they got started the next morning it was clear that this was nothing more than a paycheck for them. Now I completely understand that they need to make a living but that doesn’t mean that short cuts should be taken or they should provide substandard work simply so they could get to the next job that much faster. It was actually to the point that I had them remove some work and change things up on the second morning as I had little confidence in what they would end up producing.

Thankfully, we have a contractor that we trust and that will fix the errors left behind. But it is safe to say that we will not be hiring this company again for some of the future projects that we will be having done in the yard. At this point I’m just glad that I hired someone else to take down the trees around the property because these guys, based on the work that I did have them do, might have taken out the house, or at least the shed or gazebo, in the process. At the very least, I know they wouldn’t have done the excellent job that Monster Tree Service did a couple of weeks ago (I highly recommend this company). I think I will stick with the people I trust for now.

Mortgage Monday: We Finally Have Our House Back!

This is how it all started.

When I first reached out to contractors in late June there were two very simple projects in mind, garage doors and an office door. That is all that we planned on doing this time around and all that we thought our budget would permit. The garage door situation was resolved rather quickly and Shank Door did not disappoint in either price or service. However, it was a much more involved process trying to find a contractor for the work inside the house. After all, this is our home and I wanted to make sure that whomever we chose would do the job right.

I first met with a few contractors and was less than impressed with how they were approaching this rather simple project. It wasn’t looking good until I met with Mike Swenson from Swenson Home Solutions. Not only did he listen to what I wanted done but he was also honest with me and let me know what would work best for the space where I wanted my office door. On top of that his estimate was lower than all the others that I received by a few hundred dollars. There really wasn’t a question at that point, this was the right company for the job.

First addition to the project list...

This is when that small project began to morph into something much bigger. What started as a simple French door installation soon transformed into a small first floor renovation. With the prices we were being given, the work that we wanted done was, all of the sudden, possible now rather than later. This is when we decided to replace the carpet and linoleum with hard wood floors (thanks in part to a great price on ¾ inch oak floor from Carpet and Tile Mart in Reading), replace all of the external doors, replace both of the toilets on the first floor, and remove the baseboard heating. The two day project was now expected to take a week and a half.

...and the biggest addition to the project list
(we will work on the walls later).

Well, that was the plan. The office door, besides the floor being slightly out of level, went smoothly but everything else began piling on days to the project. Not only were the carpet and linoleum subfloors different thicknesses but the kitchen floor had a thick layer of leveling compound under it which required over a week of work on hands and knees with a heat gun and scraper. It made the dry rot repairs around all the doors seem like a minor hiccup that only cost us a couple of days. In the end, the week and a half projection ended up being nearly four weeks of work. However, when it came to the bill, what surprised me most was the fact that he stuck to the original estimate and only added a nominal amount for supplies.

We finally got our home back today and we are really happy and impressed with the work that has been done. It was a lot of work and only the first stage of what will be a rather long process to make this home our own but at least we now have an honest contractor that really has our best interests in mind and treats each house as if it were his own home. What more can you really ask from a contractor? Not surprisingly, we are already having him write up a few more estimates for some other projects in the works. But, for now, we are going to enjoy our “new” home.

Mortgage Monday: People You Can Trust

Now that my wife and I have pulled together our list of things that we need to get done, want to get done, and what might need a second look in the future, it is time to start lining things up and getting many of the ‘projects’ evaluated. While we have both been around and lived through renovations, large and small, in the past, this is the first time that we are looking to get the work done ourselves. With such limited experience, it is best to review these growing lists with some professionals. Thankfully, I have a few resources that will be able to let us know what is worth doing, how much it will cost, and how long it will take.

When it comes to having work done on our home I want to make sure to hire people whom I trust. There are many people to which this applies and I will be reaching out to many of them in the near future to have them look at what needs to be done as well as consider what we want to do in the future. Of course, family comes first and I am fortunate to know a family member who will be able to help with some of the renovations needed… this also might be the biggest project that we are considering as well which makes the whole process that much easier.

For many of the other things on our long, and growing, list I have turned to a few of the brothers from my lodge. The members of the lodge represent a hugely diverse mix of occupations, professions, and specialties and while I don’t know what everyone does for a living (not at this point anyway) I know enough brothers whose knowledge and skills will be a tremendous help to me. So far, I have already been in touch with a few contractors, a couple of electricians, and an architect. All people whom I trust and know that they will do great work at a reasonable price.

This is the basic reason why it is so important to get to know the people in your life. Knowing what they do for a living can be a tremendous asset when you find yourself in need of their services. And you never know when they might need your assistance with a project. The most important thing is that we make sure to help, aid, or assist those in our life. Whenever given the opportunity, take the time to help someone. When you need help, don’t be afraid to reach out. This isn’t just something that applies to home ownership, it is a way to live your life. It just happens to help during times like these.