Mortgage Monday: The Work Never Ends!

Or Both!

 While it has always been a constant project on our list of things to do, now that we own our own home, cleaning is something that I try to put greater emphasis on. And with so much more room than we have previously had in rentals, there is a lot of cleaning to do. It is a never ending list of things that need to be scrubbed, swept, washed, or rinsed. And that is just the things on the inside of the house.

Now that we have some property (and no management company), there is a lot of yard work that has yet to be done. While I should have taken care of many of these things immediately after settlement, it was a project that was quickly put on the back burner once the temperature got colder and the snow began to fall. After all, nothing like a fresh blanket of white to hide all the leaves still covering most of the planting beds.

We have been pretty good about keeping the interior of the house in relative order (organization is still lacking) but, now that the weather has turned warmer once again, all of the things that we have been putting off in the yard have to be addressed and, at this point, we are ill prepared to tackle the task. The first step is going to be buying a tractor and a better rake or leaf blower. After that it is all about setting aside the time to get things done.

However, the more I think about many of these things, the more I find myself considering hiring a cleaning and/or yard service company to take care of all these tasks. While it would undoubtedly add an additional line item on our budget, it may be worth the money so that we can spend more time with our son. After all, our schedules are still quite a bit hectic and blocking off another brick of time would be less than ideal. Definitely something to consider.

While the extra time and effort has been inconvenient at times, it is still well worth it as we are taking care of a place that we own rather than someone else’s property. It is important to remember that there are great things about being a homeowner and they definitely outweigh, by a large margin, the inconveniences, but it is not a utopian dream. There is work that comes with home ownership and also a sense of pride in caring for your property. Sometimes, though, you just have to figure out the best way to balance everything and we are definitely still working on that aspect.

Mortgage Monday: Taking A Chance

This was the first attempt... really glad it fell through!

I am going to take a step back for a moment in this series and actually talk about a few months prior to us moving into the house. By the time the summer was coming to an end, my wife and I had a big decision that we had to make. Our lease was set to end today and while we had been looking at houses for some time, and we were under agreement on a property, there were no guarantees. While we usually take a more careful approach to situations, we decided to take a chance and give our notice that we will be not renewing our lease. So, when we sent our rent check in late August for the month of September, we included a note that, in accordance with our lease, we were not going to be renewing.

Technically, we had a place that, at the time, we thought we would be living but, as September slowly trudged on, that reality quickly dissolved and we soon found ourselves without a place to live come December. It was an interesting feeling of uncertainty and one that had us contemplating whether we should try to extend our lease but it was also freeing in the fact that it was one less thing to think about as we continued to search for a home. If anything, it certainly served as a motivator to get things done and step up our efforts to find a home.

Things do happen for a reason and our house hunt definitely proved that point. Within a week of terminating the agreement on the first house (based on inspections), we reached an agreement on a second, far superior, home. After talking with the bank the following week and shortening the escrow to 45 days, we knew that we would be moving and would be making the transition from a house to a home by the end of November. As it turns out, taking that chance in late August was going to pay off.

Contrary to the first ordeal which was rife with misleading statements and answers that didn’t match up with the facts and documents from the county, the process for the second house went as smooth as we could have hoped for and now that second house is now our home. No more renting, no more moving, and no more uncertainty about where we are going to be living this time next year or the year after. We are home.

Mortgage Monday: The Beginning

It is time for a new series… having purchased and moved into our new home last week I thought it appropriate to write a post every Monday about being a new homeowner. While the topics may vary these blogs will all be rooted in our recent purchase, the process, and some of the things that happen along the way. I will be writing about the services we use, experiences we have had, or simply how much things have changed in comparison to our years (and year) or renting. It is certainly a change for us but a great one that I want to share with all of you that continue to read these posts.

The process of finding a home was a long one to say the least. As I have written about numerous times before, this has been a dream of ours for years (certainly preceding the formation of this blog) and a search that has taken us to numerous places throughout the area, into other states, and even to a foreign country. While our criteria has changed since our first discussion about what we wanted our home to be, we currently find ourselves in the perfect place at the perfect time. Finally, we have a place to set our roots and a place where we can raise our son.

Looking back there are certainly things that we would have liked to have changed along the way. Even recently, it took a deal falling through on inspections in order for us to find our perfect home but, as we have been told many times before and as we keep telling ourselves, things happen for a reason. However, while we are happy with this wonderful change and becoming homeowners, my wife and I definitely agree and wish that this whole process had gone differently. Our ability to find a home came at a price that we were forced to pay and we know that we would give this all back if a refund were offered.

Look for more posts in the future that will get into some of the additional details about the process and some of the experiences that we have along the way both good and bad (hopefully there will be an absence of content for the latter). But, for now, we are going to enjoy this new way of living and the additional comfort and security that owning a home has to offer to us. And, of course, some stories about the adjustments that we are all making to this new reality.

Searching For The Home Amongst The Houses

Sometimes I wonder when we will finally have a quiet weekend when we can simply enjoy the time at home or we can drive somewhere without having a particular schedule in mind. I guess we have to have the weekends like this one in order to finally achieve that kind of relaxation. Today was another one of those days when the miles seem a little longer and the properties don’t look quite as good as the pictures. My wife and I agree that this might be the worst part of moving… trying to find that right place. This is about as far from a relaxing weekend as we could get at this point.

It is both a stressful and an exciting time for us as we look for a place where we can finally let our roots grow rather than restrained in a rental pot. We have seen a long list of places, some better than others, all with something that we really like and all with faults of varying degrees. While in the past we have settled for a place to live, some better than others but all that met our needs at the time, now we are in a completely different situation, now we are looking for a home not just a place to live.

Obviously, just the noise in our own minds processing all we are seeing with each property is contrary to the concept of a quiet weekend. Actually, the uncertainty of finding a permanent place has increasingly impeded this simple request to have peace between the work weeks. But I am looking forward to settling down and enjoying the fact that we have a place where we can watch our son grow up… we will have a home not just a roof and walls… something that we have been searching for over the past several years.

Now is obviously not the time for the quiet weekends. Now is the time to do what we can to ensure that we have those quiet weekends in the future. Those free spaces in life when we can enjoy time together without the stresses and distractions of the work week. Now is the time to ensure that those moments highlight our lives tied together with the consistency of place. No, we don’t have the time for quiet weekends right now but weekends like this ensure that we soon will.

Just Above Our Heads

I knew that yesterday was going to be a long day and a late night at the office. I could tell by the times reserved on my calendar and the work that needed to be done that I wouldn’t be getting home at the usual time. With this fact in the back of my mind, the day was already beginning to drag as midafternoon came around to smack me in the face. In a series of texts from my wife, it was made very clear that the refrigerator was not the biggest maintenance problem in the apartment. When my wife got home she noticed the same subtle noise that we heard last summer in the office… dripping.

Off in the corner of the living room, the saturated ceiling tile was now bathing our bookcases in a stale staccato of water coming from one of the many possible sources in the maze of pipes hidden by the flimsy barrier above. After notifying the front desk, maintenance was in the apartment to assess the mess created by one of their many predecessors. Essentially, what happened was that the many cans of spray foam encapsulating the pipe had given way and the bucket semi permanently secured below this quality piece of craftsmanship was overflowing into our living room.

A couple hours later nearly all the foam had been chipped away and the totality of the failed fix was revealed. While I am not certain as to the exact nature of the issue, it was very clear that cutting corners was made a priority in the past and we should, hopefully, have a proper remedy to the problem. But that is going to have to wait as the area needs to dry, parts need to be purchased, and our patience needs to be tested further. Fortunately, while they were in the apartment, they called a service company to come out and fix the fridge… a problem that was consciously being ignored by the new management company, Camco, for nearly two weeks. After phone, verbal, and written messages there is no doubt in my mind that we were ignored. At the opposite end of the service spectrum, as soon as maintenance found out that the issue wasn't resolved, they took care of it right away.

So now, as we wait for the leak to be fixed (not just a finger in the dike), we are left assessing what needs to be cleaned, what needs to be thrown away, and whether or not we want to keep the furniture in the same places knowing what problems keep surfacing just above our heads. More work that I really don’t have the time or energy to deal with at the end of the day. Needless to say, we will definitely be resuming our apartment search in the new year as the problems and inconveniences are beginning to outweigh the rent at this point.   

Where To Go? What To Do?

 

I have been having the constant debate with myself lately of whether or not we should move once our lease is up or whether we should stay where we are with the hope of saving enough money to buy our own place next year. I know which one makes the most sense but I also know what the best thing is for both of us. However, even with both of those considerations, it is not a clear cut decision as it would seem upon initial glance.

Where we are now is not a place where we are comfortable… we don’t enjoy the community that is around us and it leaves us needing to escape whenever we can by getting in the car and going somewhere else. The rent is great and the people we encounter in our own building are nice but the congested location and overall discomfort that we feel in the area doesn’t allow for us the relaxation that a ‘home’ should have. We know the area and it is close to family and friends but there is only so much that can tie us to a place where we are not comfortable.

We have looked for a place to move, somewhere that checked the majority of the boxes on our lists of what we are looking for in a community and a home. It has been a time consuming project that has occupied our minds and has put a number of miles on the car but it seems as though we have finally found a location for serious consideration north on Route 309. The prices are reasonable and the land, overall, seems less densely packed, both positives in our view. It is also close to all the stores that we would need on a regular basis which my wife prefers.

In the times we have visited is seems to be a comfortable area and also a location that meets our commuting requirements. While it keeps my wife’s commute the same, maybe a little shorter, it cuts my commute by nearly a third. However, when it comes to driving to work there are many more alternate routes for the two of us in comparison to our current location. As a bonus, there is at least one range about 5-10 minutes down the road which my wife is indifferent to by a definite perk for me.

What is overlooked time and again by many people is the simple cost of moving. We want to move north and be somewhere that is comfortable and convenient for both of us but it would seriously put a dent in our home owning aspirations and delay that goal by at least an additional year. But, the most important thing about a going home at the end of the day is being comfortable and looking forward to walking through the door. For that reason, it may be the most prudent to delay homeownership and move somewhere where we are comfortable and feel like we are at home.

But, really, it is still up in the air as I am sure my mind will go back and forth many times every 24 hour period. So, you are going to have to keep reading to find out if the move happens or if I will continue to write from the same apartment where this all started. What would you do in this situation?