Fun and Frolic With Long-Term Love

Had some errands today - went to the bank and then my youngest and I had lunch at Panera Bread. We picked up a couple of things at Walmart, and did some price checking at Home Depot. We got ALL the paint chips for the color purple. lol PunkRock wants that color in the basement, so I want to narrow it down some. We were looking at prices and styles for the new kitchen faucet, and I gotta say, most of it was butt ugly. I found one that I kinda liked and one that I kinda liked more, but I think I will have to search more online. I also looked at vanities for the main level bathroom, but that wasn't all that urgent. I mean, we will be redoing that bathroom, but not immediately. Anyway, I had no idea pedestal sinks were so cheap! I am uncertain if we will get a pedestal sink or a drop in with a vanity, but the price savings is huge! I didn't like any of the vanities on display, to be honest. That will become an online endeavor as well, I guess!

I am home now and I think I am going to shower and switch out to pajamas for the rest of the day. My daughter is stealing my car in a few minutes to go to work, and PunkRock is bringing home food for dinner from Wasabi, so I will be in the house until tomorrow! I will probably pack up more stuff, but right now I just want to relax and chill out for a bit.

I am not sure what I am doing tonight - I want to give PunkRock some down time from me so he can go paint and unwind in the basement. Maybe I will pack upstairs while he is doing his thing. :)

Last night we watched the movie The Black Cauldron, which my daughter asked for, for Christmas. I had never seen it. Afterward, PunkRock and I had amazing sex. So, uh, that was three times for me yesterday, each time absolutely orgasmic for me. Fucking A. I am horny as hell today too, so I hope PunkRock isn't too tired later!
 
I am freaking out that I only get to play it once a week! I want to play it NOW. I am already the most impatient person on the planet, and this game makes me even more so. 😄😄😄😄
 
It's snowing today, so no trapping cats. Things are on hold until the weather improves a bit.

I have horrible cramps. My period is due and I just want it OVER.

Today is my Biology class, and it's a short one. I printed all the quizzes, but I need to grade them and then prep for the session. I think it's cellular mitosis stuff today, so that isn't much I need to prep for, but I should still look it over. :)

I am budgeting today (normal monthly stuff) and it is giving me fits. I paid the internet bill and then wrote a check for the water bill. I took care of my son's rent for February as well, though obviously that isn't due for a while. I need to talk to him about his budgeting, and the amount I've been sticking into savings for him. I really am tired of looking at numbers, but that's why I popped over here to update. :)

I am in my game room/classroom, and I have three cats here with me. They are all ignoring me though. Since it is snowing, they are all staring out the sliding glass door and watching the flakes fall down and the cardinals zip around the backyard. Leonard is in the top of the cat tree, while Stuart is in the very bottom. Gus is laying on the floor next to the tree.

What an exciting life. lol

I am missing DarkKnight a lot. I have been enjoying my alone time with PunkRock, but DarkKnight is, well, DarkKnight. I will be anxious until he returns home safe!

I guess I should make a dentist appointment to get things moving along with my teeth again, but I am so upset every time I look in the mirror at them, that I keep putting it off. Which is stupid, because obviously they aren't going to fix themselves. I am excited about the whitening treatment, but I am aggravated about my retainer and this fake tooth. I need to have that conversation, but I am not looking forward to it.
 
Oh! Today was a horrible day!

I got a message at 7:30 am that my friend had caught a cat in the trap already. He sent me a photo of 6 other cats hanging out around the trap, so we had a good feeling that if we could swap out the traps quick, we could catch another. Which makes sense, so I dragged my ass out of bed (after going to bed around 2 am the night before) and went over there. I got the cat into our largest carrier, and then re-set the trap. Of course, all day long, we caught nothing else. Sigh. Oh, and of course, this is Wednesday, so the shelter didn't open til 1 pm, so all morning I had a feral cat in a carrier in the master bathroom.

Around noon, I received an email from our loan officer, saying that they wished to proceed with the paperwork as closing is only 15 days away. However, my daughter's part time job has failed to respond and verify her employment. They MUST get this today, or else this is the end of everything. I'm like, what the FUCK?! She's not on the mortgage, but total household income is a thing and she is a member of the household. So then I get to spend an hour trying to figure out why this is happening. My daughter swears that her manager DID fill out and forward a form last week, and of course we can't verify this because he is off of work today. She does not have his phone number because of some reason that is convoluted and strange. The owner of the company is in the hospital and has been for a couple of months.

GAH! So, my daughter contacts the shift manager, who tells her not to worry, she will contact the manager and get it worked out. She then ceases communication with my daughter, and never does anything. She leaves work at 1 pm without forwarding any info at all. (We don't find this out til close to 3 pm.) Around 3 pm I actually call the person who is trying to do the verification, and she says she DID get the paperwork from the manager last week, but he failed to fill in the year to date income info, because he didn't have it. So he apparently sent her an email to the owner, who is of course, not answering emails because he is in the hospital.

The verification lady says that he did fill in my daughter's hourly wage and number of hours worked, so that part is ok. I had submitted her last paystub previously, so she went off to call the loan officer to see if maybe they can make this work.

She never calls me back.

My daughter has now left for work, and she promises to get her manager's number and to try and forward along the verification lady's email info. At this point, it isn't happening today, because it is 5 pm. So I get to wake up and deal with this tomorrow.

The best part of my day involved the dentist though. (sarcasm)

I called yesterday and when I told them what my concerns were, they wanted me in immediately, but today was the best I could do. Of course this made me crazy anxious, and I have been quietly sobbing all of yesterday and today whenever I am thinking of this.

Ok, so at noon I am dealing with the beginning of paperwork issues on my mortgage stuff, and then at 1 pm I was able to finally take the captured kitty to the shelter. 2 pm was my dental visit. I guess the good part was that it was pain free, as nothing was done other than the exam and scheduling of more appointments.

Basically, yeah, the bottom tray of my retainer is ill-fitting due to the re-seating of this implant from hell. The fact that it is not fitting correctly has caused at least one of my teeth to shift and now I have crookedness on the bottom. The retainer itself, the orthodontist had cut all 4 bottom trays to take pressure off the fake tooth, and the one I am currently wearing was cut too high and it is about to snap in half. For a short term fix, she put in a "dimple" so the one tooth leaning in my mouth is now being corrected back to it's proper place. I have to go back next week, and she is going to put a dimple in a never-used retainer, because it is obvious this one isn't going to last.

The end result is that they are going to have to re-scan my teeth and order all new retainers for the bottom. Only now they can't do that because then it will be a retainer with one tooth crooked. So I have to wear the one with the dimple for a couple of weeks until that tooth is again in place, and then I can go get scanned and the stuff ordered.

But wait, there's more! I don't like this fake tooth. It looks fake. The color is off and it is not at all shaped like my other teeth. I told the ortho that this is really unacceptable. She agreed that it needs to be recast. She gives me 3 weeks of free in-home zoom whitening stuff and says to use that in my retainer trays (30 minutes a day) and when I come in next week to get the newer retainer dimpled up, we will schedule a date with the oral surgeon who originally did the work. Apparently he will be back in March. She thinks that we maybe will !!!!!pull out the post!!!!! and replace it with a porcelain one to improve the translucency of the tooth, and to replace the crown with one better shaped and fit into the space more correctly. THEN we can match the color to the whitened teeth, and THEN get a scan done for new retainers.

At this point, I just want to cry and cry. I cannot imagine going through all of that pain and trauma AGAIN. Just thinking about this has me wanting to curl up in a dark, confined space and never come out.

There is no discussion of cost. They haven't charged me anything since like June of last year, because this is all clearly a major mess up on their end. I just - this is just too much crazy. I am still very happy I had the Invisalign done, but I wish I could go back and time and tell them that I didn't need an implant to make my teeth perfect, that they could just move the teeth over and I'd have one less on the bottom, is all. None of this would have happened if I had said that. The fact that I said, yes, I want an implant, and I paid $2000 for this terrible, terrible ordeal is awful.

Anyway, after I left the dentist, I stopped and got my dinner for later (a sub - DarkKnight is still out of town, my daughter is working tonight, and PunkRock is at work until 9 pm). Then I went home and ate lunch (leftovers from yesterday) and then started trying to track down more info on the mortgage paperwork stuff until my daughter left at 4:30.

Now I am wearing pajamas and I'm curled up in bed, and I just wish one of my loves was home to give me some skin-to-skin contact. I need some hugs to make all this better.

I got my period today too.
 
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I guess all I needed to do was to vent here, because no sooner had I posted, than I received a message from our loan officer saying that we were all set and everything is back to the underwriter. Also, FHA has decided to reduce their mortgage insurance premiums for everyone closing on 1/27 and later. We are closing on 1/26. She's advising we reschedule a day later, as it will save us $25 a month, $9000 over the life of the loan. So we now have a message in to the realtor, who has to clear it with the seller.
 
Today, Facebook let me know that it was 11 years ago that DarkKnight and I got engaged. <3 So awesome! At the time I had a general idea that it was coming, as I was with him over Christmas in Pennsylvania when he bought the ring. He said he wanted to do a special proposal for me and so took the ring and hid it away. At the time we were living in Houston, Texas. We had plans to go out to a bar and listen to a local band perform, and we were going to meet up with a mutual friend there and hang out. Apparently, this friend was really good friends with the band, and set it up that halfway during the show, DarkKnight was able to go up on stage and sing a cappella to me in front of a crowd of at least 70 people. It was sort of surreal! He is such a laid back, introverted sort of guy that I was completely surprised! I had no idea he would ever plan something like that. :) He sang the song "Proof" by Twin A - well, the first few stanzas anyway. "When I told you that I loved you, and you thought I didn't mean it, well I've finally got the chance to prove you wrong..." As he got to the refrain, "here's your proof," he pulled out the ring box, and the entire bar just GASPED. It was pretty amazing!

At first we had planned a big family wedding back in his hometown, but as we started planning, we decided instead to elope and we went back to where we first met - Boston, Massachusetts. Squeee! Just thinking about it all makes me smile. :) I love my DarkKnight SO fucking much, and I am very excited that here we are, over a decade later, about to buy our first house together. After we were married, we were renting an apartment in Houston, but we soon moved back to New York, into the house I owned at that time. Now, here we are in Maryland. :) Quite the movers, we are!

So yeah, that was a happy memory from Facebook today!

This morning I was actually up at 4:30, when PunkRock left for work. Ugh. My plan was to sleep in the entire day but that didn't work out so much - I couldn't fall back asleep. :( Later I was messaging with him and he told me he got his W2, so I actually ended up spending my morning doing his taxes! Good news is that he is getting a fair amount back. He was like, whoo hoo new guns! I was like, uh, no. lol Then he said, yay! new appliances! Heh. I liked that response better! We will see I guess. We will talk about it when he gets home from work, I am sure.

Yesterday was PunkRock's day off and we pretty much spent the entire time together. I got called out to look at the cat trap early, but was able to come back to the house around 10 to meet up with him and go to his eye doctor appointment. Then we did a little bit of grocery shopping and had lunch a a small local Mexican place we had been to I think like 2 times so far? It's super cheap, so there's that. :) The food was yummy too. Anyway, after that, we went to get his oil changed and a tire rotation on his car and then to the outlet mall to pick up two new bras I had ordered online.

At 2, our cat Milton had a follow up vet visit for two shots - feline leukemia vaccine and his yearly distemper shot. We talked to the vet about our two foster kittens which are feline leukemia positive, and we've now decided to hold off having any further tests done until February 16.

What else? After we got home, we had a little bit of down time, but then we went to our city's 100 miles in 100 days kickoff event. DarkKnight did this a couple of years ago and I feel like I really need better motivation to get out and do some exercise, so I had joined, and now PunkRock has joined too. They had a free massage session going on at the event, so PunkRock and I both managed to take advantage of that perk! It was really nice to have him there and to have him be so supportive. We walked the first mile together, alone, because we had missed the starting time, as we were getting our massages done then. That was ok though. It still counted. :) And it was nice to just be together. There was a prize giveaway, but we didn't win anything. When that was going on it was getting dark outside, and at a couple points we were kissing on the outskirt of this large crowd of people. It was romantic and sweet.

We had dinner at our favorite Peruvian place - Karu Peru - and then came home and fell into bed early. I was pretty exhausted, but we had some amazing sex and I felt so very loved and cherished. It was a great night!

Right now I am about to finally roll out of bed. My daughter took my car yesterday and spent the night at a friend's house, so I haven't seen her in quite a while, but she should be home soon. I need to shower and feed the foster kittens, because apparently PunkRock didn't get them when he fed our other 6 when he was leaving for work. :) Today I am planning to be as lazy as possible and watch episodes of Sister Wives (I am in the middle of season 10). I think that is fair, considering that I woke up - and did taxes!!!!! - so early! :)
 
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Not sure if I ever posted this before, but here is a photo of when DarkKnight and I first met, in 2005!

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I was 27 and he was 29. :) I had no idea that less that 6 months later we would be engaged, and less than a year later we'd be married, but that's how it worked out. :)
 
I love your engagement story! He sounds super romantic :) Congrats on so many years of happiness!

I've started fostering kittens, too. It's distracting me from the fact that I'm dateless, lol. It's fun.
 
Heh, it's just the anniversary of our engagement. :) But thank you both!

Holy hell my day turned crazy for a while! I received an email around 11 am from the loan officer telling me to call her as soon as possible. That's never a good sign! Anyway, when i get her on the phone, apparently there is an issue - we do not qualify for the first time Homebuyer program because our household is over the income limit. She says they could still fund the loan, but we would not be given the extra $5000 toward the downpayment. Errrrrrrggggghhhh.

I was really confused, because when we took the class we were told the income limit was $126,000 for our city. Our income was about $120,000. She says no, the program limit is $122,000 and our income is $123,000. Gah! So, I had to pull out our paperwork and we discovered that when we submitted DarkKnight's paystubs in November, they had estimated his income for the remaining month, and that included overtime and a bonus. Only, his bonus is only paid once a year in March, and he had less overtime than they estimated.

Together, the loan officer and I went over the program and it turns out the class was incorrect AND the loan officer was wrong - the cutoff for the program for a family of 4 was actually $121,000 and change. So we were definitely over using their estimated numbers.

However, because I had just done PunkRock's taxes, DarkKnight had sent me his last paystub and some other info in preparation for his own taxes, so I could see exactly how much he had made last year. So I emailed that over immediately.

I heard back around 1 pm that we made the cutoff by less than $900. Never had I been so happy that we are a low income household! Geez.
 
Wow, ok, all that stuff about income and I heard from DarkKnight last night that his work is going to be changing this year! This info won't effect our loan, but it will effect our lives in a positive way! Apparently he had a talk with his new boss yesterday and it went really, really well.

They just went through their annual reviews - at least, the boss has them completed. DarkKnight apparently had one of the highest - if not THE highest scores on his. (Everything is done on a points value.) His boss wanted to let him know this because a couple of things are happening as a result. He has always been a star at his work, so his raises have always been good and steady. Unfortunately, as of last year, this means he is at the very top of his pay grade. They can't give him any more raises. However, his boss wants him to know that he is awesome and valued and they are going to do a couple of things for him.

First off, he will be getting a bonus in March, as always. He is also now getting an extra week of vacation. They are going to start the paperwork to promote him into the next pay grade, so rather than remaining a level 2 tech, he will now be a level 3. So while they can't give him a raise this year, he will be able to earn one next year because he will be under the new job title. Instead of an hourly raise right now, they are going to give him a lump sum payment this year - on top of the bonus - to reward his greatness.

Whoo hoo! Realistically taxes will probably eat half of this amount, but what is important to me is that he's being recognized for being amazing. DarkKnight has no idea how much the bonus and lump sum payment will be, but it certainly won't be lower than last year, which was right around $3000. This is perfect timing with our house stuff!

I am so very proud of both my guys and what they are accomplishing at work! PunkRock got that company-wide recognition award over the holidays and now DarkKnight is getting a boost for just being himself. My guys are superstars!
 
Right now I am sitting in the bathroom, waiting for my "screaming hooker red" nail polish to set on my toes. Figured I'd do a short update. Last night PunkRock and I went to our local game store to play another Call of Cthulhu one-shot RPG, but it turned out to be the start of a campaign. I am excited about it, and had fun creating a character. Her name is Genevieve Miller and she's a sci-fi romance author, looking to do more horror-type of books, so she is researching the Cthulhu mythos. She's unfortunately always gotten a little bit TOO into the stories she writes, and has been hospitalized for depression at times, but also for self harm and intense fantasies about her books being more reality than fiction. Her secret is that her two most successful novels were complete rip offs and in places, straight-up plagerized from other obscure and rare works. She is also a cutter.

So far in the campaign, everyone answered a newspaper ad for a job description that matched exactly what they were looking for, and we've been assembled to gather antique inventions and rare machines - or, at least that is what we have been told so far. The search for these items is supposedly dangerous and potentially life threatening. Oh, and magic is real.

This is not particularly a healthy thing for Gen to find out, seeing how her last in-patient stay was to help her recognize that magic was in fact, not real. Heh. She is mostly not paying attention to that part of things right now though, as she is hyper focused and excited to take a look at the headquarter's library, which is full of unique and rare tomes that are mostly one of a kind and probably something she could easily adapt to a new books she is working on!

DarkKnight is actually on his way home right now from New York, so he missed the character setup, but I brought home all his stuffs and pertinent info so he can set one up before we meet again. Apparently this will be twice a month, and so far it looks like it will fit in ok in our schedules! Very excited!

I just colored my hair and when my toenails are dry, I am going to shower and dress and DarkKnight should be here in about an hour! We are going to go to lunch and then PunkRock will be home from work. Our friend will be here around 3 pm to play some board games and the next round of Pandemic Legacy, so I am in a VERY positive mood today!
 
I played Carcassonne for the first time yesterday! I am not sure why - one of my best friends would always suggest it but we always ended up with something else on the table. I came in last place, but it was a good time, and it is now on my Amazon wish list.

SPOILERS AHEAD FOR PANDEMIC LEGACY

Pandemic Legacy went awesome last night. We started with late January, and we were so full of optimism and excitement. The very first card drawn was an epidemic, and it pretty much looked like it was going to be a huge fail for us right out of the gate. However, we rallied and ended up beating the game in just a few rounds! Since it was so short, we decided to push forward and play early February. Wow! All the changes were interesting and fun, and I ditched playing the generalist when the quarantine specialist character was added. I named her Julia Gulia (bonus points to anyone who gets that reference), and wow - with the blue disease incurable AND untreatable - she was amazing. We decided to make her and PunkRock's usual character - the scientist, Aimee Shore - family members, so whenever we were together, we got an extra action. I am really loving the dynamics and how this game is the same yet so different from regular Pandemic. Honestly, I was nervous to start playing a game where we write on everything and destroy pieces, but so far it has been a complete blast and adding things to the game as we go along has been completely worth it.

Oh, check out what we named our diseases:

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I think we are doing ok so far. I am totally stoked to start early March next Saturday. (Since we beat early February, we skip over late February.) Our board has quite a few level 1 cities that are unstable and a single city - Moscow - that is a level 2, which means we can't fly directly into it or build a research station there. That worries me, that we have a level 2 city rioting, but well, I guess the Borg are difficult to eradicate! :)


END SPOILERS

Today there isn't much on the agenda. DarkKnight has to get his rental car back to Enterprise, and the cats are now almost out of canned food, so there is a trip to Sam's Club in our future. DarkKnight has D&D this afternoon, but PunkRock has the day off. I am going to try and ignore both my guys and focus on a couple of things - packing, and our new house timeline and to-do list. That needs to be combined with the budget to be sure our plans can happen when we want them to be starting.
 
I was so scared reading your loan issues post- but got so happy by the end! Whew! And if that was a rollercoaster of emotion, I can just imagine living it was no picnic. That has to be a huge relief. I'm so glad everything is going well for you and your guys :D
 
So, our realtor went out yesterday and all of the painting has been done. I messaged our loan officer and ordered the follow-up appraisal. That office was closed yesterday, so it will actually be ordered today. Hopefully they get out there sooner rather than later, so we can check that off the list. The seller's agent said that all of the sellers are currently on a cruise, so he can't get 100% confirmation that switching the closing date to the 27th will work, but because of conversations they've had earlier, he is signing of on it. So as far as we know now, 10 am on the 27th is a go. 10 days until closing!

I am working on a day-by-day work schedule so we can plan on what needs to be done at the new house and when. It's stressing me out, to say the least. I have 3 days done, absolutely knowing that most likely my plans won't work out, because that's how remodeling goes. PunkRock said yesterday he is going to schedule a 3 day vacation at the end of February, as he usually gets Sundays and Thursdays off, so he will have an unbroken span of 5 days to work on a major house project. What that project will be - who knows.

Today is my Biology class and I need to get the quizzes graded. They are all printed, so there's that, at least. We are making microscope slides of our cheek cells today. I haven't done this in like a year and a half, so I am going to do a practice one this morning, sometime. It isn't particularly difficult, that I remember, but better safe than look like a doofus in front of a classroom full of kids.

DarkKnight and I had a nice date night last night - we are almost finished watching episodes of the show The Expanse. I had started watching it with WarMan, back when we were dating, but now DarkKnight is all gung ho about it, so we are watching it together. I was kind of iffy on it previously, but I am liking it more, the more I am watching it. Apparently the new season is coming out in February, so our goal is to be finished with season 1 by then.

I need to fill out paperwork so the utilities all get switched over to our names next Friday. I've been slacking.
 
So, first thing this morning I have a message that the appraisal followup has been ordered, and that the underwriter is requesting the 401k statement that recently generated. I thought I had forwarded that already, but oh well, I just sent it again. Later this afternoon, I had a request that was asking for DarkKnight's address for 2 months at the beginning of 2014. That was easy enough since we've lived at the same place for 5 years, just about! There was also a tax document request that was just a signature - actually, DarkKnight had e-signed it previously, but they wanted a wet signature. So I printed that out and DarkKnight signed it. I will have to hand deliver it tomorrow morning to the loan officer, so she can scan and forward it to the person that needs it.

Things are still moving forward. 10 days until closing! I know I posted that earlier, but damn. That is such a short amount of time!

My Biology class was the best yet today. The lecture and question part took two and a half hours, which only left 30 minutes for the lab! The kids were all on point and very involved in the curriculum today. The topic was the integumentary system and the immune system. So there was a lot of discussion about skin diseases, allergies, cancer and vaccinations. Talks about STDs too. We finished up right at 4 pm on the dot, because the students were paying attention and did their cheek cell scrapings perfect and without taking a year. Lol We also looked at different types of bacteria under the microscopes as well. I really love classes where the kids are interested! Next week is our first dissection which everyone is nervous about. I start out with frogs, so we will see how things go!

I am exhausted today. I woke up at 5 am with DarkKnight, and then went downstairs to handle paperwork and emails and then stumbled upstairs again and passed out and slept until around 11 am with PunkRock. Only, he got up and went to work around 9, I think! I am still really tired. Tonight though I think i might work on more packing. I did some last night - I took care of the Christmas boxes, wrapping paper, tissue paper, etc. I feel like I am running out of time to get this all done!
 
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PunkRock and I had amazing sex last night, and we were up late. I had a really hard time sleeping - my hip was aching really bad; my arthritis was just awful. I woke up around 7:30, and then went down to the basement and hung out with DarkKnight in his office while he worked. I became more tired after a while, so right before 9, I went back to bed with PunkRock. I had terrible nightmares until waking up at like 10:30. This was an issue, because my dental appointment this morning was at 11 am.

So, that appointment is over now, and I dropped off the signed tax paperwork requested by the underwriter. When out making a deposit at the bank, I got a text from my daughter and she was called into work. So now I am at home with no car, unable to finish any of my other errands I had planned today. (PunkRock had to be at work by 12:30 pm today.)

I feel so depressed. I don't know how to shake it. The last few days I have been so very tired and there's just this pervasive sadness. I can't shake it. I am not used to feeing this way. I just want to weep and sleep and I can't motivate myself to do anything. I mean, things are getting done because they NEED to get done, but I don't have any joy in anything. I am not sure why I am feeing this way.

I painted my toenails a deep red the other day but I can't get right in my head. My regular boosts aren't working. Hopefully this will pass. My stress levels have been super high, so maybe that is why I am having emotional feelings right now.
 
Ugh. Another crappy sleepless night. Or, of spotty, shitty sleep. This morning one of our FeLV kitties was smothering me with kisses and would not leave me alone, so I refilled his food bowl and left DarkKnight's room to escape the cat's advances. Naughty little kitty! He is seriously adorable, but damn. I am down in the living room now.

Yesterday we received an email from our loan officer, that the mortgage insurance reduction may not be happening. Apparently, Trump is planning on rescinding it as soon as he takes office. Lovely. It's only $9000 over the life of the loan, so it really isn't a critical issue for us, but it's shitty because we rescheduled our closing date to take advantage of it. I posted about it on Facebook, and 3 people flipped out and said that there was no reason to blame Trump and that these things take time and it clearly has nothing to do with him. Uh, ok! Lol The HUD announced the reduction on Jan 9, and Trump has absolutely said this week that this reduction will be on hold as part of his 12:01 changes and the consensus is that it will more than likely be canceled altogether. Of course, after doing some reading on it, these people realized that they were wrong, but geez. One person in particular, then started posting that clearly if I am complaining about this, it means we shouldn't be buying a house right now and I should get a full time job until we can afford to put down a full 20%. Completely unable to say anything about Trump in even a slightly negative way. Sorry, but $20 a month doesn't equate needing full time employment and renting for a longer time period. Especially when we will be saving almost $700 on just the rent/mortgage payment, and an estimated $300 on utilities. There is no better time for us to buy than right now. That doesn't change the fact that this mortgage insurance rate change sucks.

I talked to PunkRock last night about me feeling depressed and he let me know that often his depression feels the same way. So that was nice to get some perspective. I don't feel like it will be pervasive for me, honestly I think it has to do with my stress level and my lack of sleep lately.

Today I need to go grocery shopping. We are celebrating my youngest daughter's birthday today, a day early, because she doesn't have to work. Everyone bought her a BluRay off of her wish list and DarkKnight, PunkRock and I bought her a BluRay player as well. She has been anxious about moving out and having everything she needs, and a TV and BlueRay player have been at the top of her list for a while. We were planning on getting the TV as well, but decided last minute not to get it because of the move and the fact that it would just be in storage for several months until she gets her own apartment - it would be better to get that closer to when she relocates in July.

I sold some stuff on the yard sale sites, so I need to meet up with people this evening to unload those items and grab some cash. That's pretty much it on my plate for today, but at any given time I could get a request requiring me to drop everything and focus, from the loan officer or underwriter. So I am prepared to run around like a crazy person if needed! Also, I keep hoping DarkKnight's W2 will materialize, but his company hasn't made them available yet. I think last year they waited for late January before releasing them.
 
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Gah! Last night I got a call from my friend at 5:30, right when I was meeting up with the yard sale person. He had noticed a cat on his carport, so not thinking, he set out the trap and caught it. We don't trap after 4 pm, because the shelter closes at 6 pm! I had to rush over to his house and then race to the shelter. I called them to let them know I was coming with this feral cat, and I know they were not happy. I made it there at 5:55. Crazy. Anyway, we caught 2 cats yesterday, which makes it 6 in total so far from this colony.

Only, this morning we caught another. So we are at 7. Initially we had estimated that the colony was about 12 cats large, but it seems like we may have under estimated, because most of the cats we counted were black and white tuxedo cats, and we have only caught one of those! We will see. Definitely we have made an impact, because there are for sure less cats when you look across at their little wooded territory. Go us!

So yeah, now I need to get up and get showered and go over and drop off this latest catch at the shelter. My daughter was up this morning, so she was the one that went and retrieved the trapped cat earlier. It's in my master bathroom, in the trap, at the moment.

I did finally get some good sleep in last night, and PunkRock and I had good sex two different times yesterday. This morning I woke up at 8 to some good news - the appraiser had gone out and everything is great, so that is now checked off the list. Whoo hoo! Also, DarkKnight's W2s were finally available, and he's getting nice refunds from both federal and state. It's funny to me that I woke up and was excited to do tax returns. lol But they are finished now and it's all good. I am a little worried about a delay because of my middle name change. It might not be an issue, but my student loan interest form still had my old middle initial. It would be easy to explain, but I hope I don't have to! When I budget out how we are spending this refund, I am going to put it out into the future, in case it gets held up.

One week until closing! I am going to email our loan officer and see where we are at with underwriting and with the $5000 downpayment assistance program. I know we aren't 100% clear to close yet, so I want to make sure they have everything they need from us!
 
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