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!

Thy Will Be Done!

Before our son was born my wife and I had the conversation that we should really consider getting a basic will put together. It is a subject that has come up from time over the past year but there was always something that would come up to take our attention away from what needed to be done. Finally, at the last stated meeting, I was able to pull one of the brothers aside, who happens to be an estate attorney, and got his contact information. Again, it was a very simple will that we were looking for but something that we now, finally, had the time and opportunity to complete.

The impetus for getting this done really had nothing to do with our financial situation or the possibility of us owning a home in the near future. The motivation was much simpler, we want to make sure, should anything happen to us, that our son would be taken care of by those people that we believe would raise him right and would have his best interests in mind. That is really what we wanted to legally put in place leaving no question as to where he would go and who would take care of him.

The process was actually much easier than we were anticipating as my masonic brother was able to pull everything together in less than a week following my email to him with all the information (names, addresses, special requests, etc.) that were required for these basic drafts. Actually, we had two wills drawn up, one for me and one for my wife. Each mirrored the other as we have been in agreement ass to the contents from the beginning. The only difference being that, motivated by previous discussions at the lodge, I specifically requested a masonic service.

Given how easy it was, the fantastic rate which we were charged, and the simple fact that this brother will go above and beyond to assist us and offer us advice, I have already recommended is services many times over to both friends and family. So now the next stop is to the safe deposit box so that we will not have to worry about misplacing the originals. And I must say that it feels great to have this important document now completed and the worry about what we hope will never happen has now substantially subsided. We are now at ease knowing that, should something happen, our son will be taken care of and will be raised the right way.

Face Value

While there are some trying personal situations going on lately, I have been doing my best to stay as objective as possible, offer the few tips that I have to make things a touch easier or prepare those a little better, and, in some instances, just stay the heck out of the way. More often than not it all comes down to the “shut up and listen” mentality. However, there have been a few moments when I have attempted to make things a little easier by letting people know of a few things that they need to keep in mind.

Recently I did just that and, just like in previous instances, it was a complete mess. While I will not get into details or divulge any names, let’s just say that the reaction that I saw made me second guess the motives of some individuals. Furthermore, it confirmed that those people don’t trust me whatsoever and believe that I have an ulterior motive with everything that I say. While that perception is not in line with the reality of my words, the fact that things were so heinously skewed makes me question the motives of the person with whom I spoke.

I take great offense when my offer of assistance, however minor it was in this instance, is viewed in such a manner. And frankly, I am done in trying to help certain individuals. There are other caught in this same situation for which I would do anything I possible can but then there are the others. I wasn’t even expecting acknowledgement of this tip so if nothing were to be said I would continue to offer the little I have from my experiences to assist. However, to be confronted in this way… I am done. Thomas Hardy said it best and for those incurables there is little that can be done to change their prognosis.

So while I am finished with those who revel in the conspiracy of their on minds and searching for a different meaning behind advice that does not exist, I will continue to listen, process, and do my best to relay any helpful information to those that will take it in the way that it is intended… a simple offer to ease the process in any minute way that I can. And with all that is going on we can’t say with any certainty about what is going to happen in the future but some things are coming into focus and we are able to plan for the inevitable. Until then most of the time I will simply shut up and listen and help those who take my offer at face value.