Mortgage Monday: Time To Keep It Simple

With all of the work being done on the house lately things have been rather complicated. So far, nothing has been as simple as it should be. Everything on our project list has had a few subsections added to it with the floors and the exterior doors being prime examples of this ongoing process. However, in the end, many of these things, all of these complications, are going to give us what we have been picturing in our minds as our ideal home. Further, many of the things that have been uncovered and a couple of the future projects have and will remove some of the complicated aspects of our home.

The best examples of this are the HVAC overhaul currently underway and the electrical overhaul that we have on the schedule. The old oil and electric system required a heck of a lot of copper pipe running across the basement and up the walls to supply the baseboard heating. The air conditioning, being an afterthought of the original homeowners, was something that was put in as inexpensively as possible leaving us with duct work running through bedroom closets and really not being very efficient. The boiler, oil tank, and all of the copper pipes are now gone, the duct work has been overhauled, and we have now simplified the two zone (the heating was originally on four zones) system running forced air for both heating and cooling.

This project is nearing completion but the electrical work has yet to be started. While a few steps have been taken to simplify this (i.e. old whole house fan has been removed) there is still a lot of work to be done with new matching fixtures being installed and a lot, and I mean a lot, of outlets and switches that are going to be removed (with a few simply being moved). This will eliminate the need for a lot of the wiring that is running throughout the house and will put things (or leave things) in place that actually make sense (i.e. I don’t need three separate switches for the kitchen lights).

It is definitely a process but, as I said before, it will simplify some of the basic aspects of our house. After all, I don’t like having excess pipes and wires running through the walls when they don’t need to be there. After that it should be much easier to maintain. So, we will have to deal with a little more complication before we can reach a point of simplicity. Well, at least until the next round of renovations and projects.

Mortgage Monday: Finding Our New Stores

All of the other places that my wife and I have lived had immediate access to a variety of both small shops and national chain stores. Now, where we have decided to make our home, there are a number of stores nearby but not as many as we have grown accustom. For many of the places that we once frequented, we have to drive a little further than before which, we are finding, is actually a welcomed change from the places where we once rested.

Just down the road we have many of the essentials just by different names than those that we are used to seeing. There are local eateries, small gas stations, and other stores that line the main thoroughfare just down the street. And, while it seems further than it really is, there are a few of the national retailers just a little further down the road including the local Wal-Mart. On a side note, this is the first Wal-Mart, or any large store for that matter, that I have ever seen which has separate buggy parking.

All of the other stores are either the same distance that we are used to driving or are a little closer than they once were. Ollie’s is a perfect example of this as it is now about 20 minutes away when there were a couple of others that we used to go to that were a 25-30 minute drive from our previous rentals. But there are replacements that are much closer to us including BB’s and some other local stores that offer the same if not better prices.

The only stores that could be seen as inconvenient are the ones that we don’t use regularly. If we need to go to Staples, Bed, Bath, & Beyond, or Babies R Us they are no longer 10 minutes down the road. However, at least a couple of them, Staples for certain, are near my office and usually those trips can be done quickly in the middle of the day. But, again, many of the things that we once purchased there can be found elsewhere and, at the moment, we are still in the process of exploring the local area including the towns immediately around us as well as the Reading area.

We have everything that we need at a convenient distance from our home. There are plenty of options out there some of which we have already fond while others are, as of yet, undiscovered. However, when compared to our previous houses and apartments, we are the most comfortable and relaxed being ever so slightly removed from the retail commotion. We have space, we have room to breathe, and we still have access to everything we need.