Tuesday, October 5, 2010

Refinance

Well, we're refinancing.  We've signed all the papers, and the appraiser is coming out this afternoon.  I HATE this stuff!  They're coming to appraise, but our house is a WRECK.  I have a 2 year old and a 3 year old, and I'm having yard sales, so it's horrible.  I'm going through the kids' clothes, and selling some, and giving some away to relatives.  I'm trying to eliminate clutter and wasted space, and in the process creating much more for the time being.  Unfortunately, during that time, a strange person will be coming to judge our house.  My dad said not to worry, that they're not looking for the toys in the floor.  That made me feel better.  So I'm blogging instead of freaking out about the house.  I tend to avoid big tasks.  I've done a lot though, I'm just kind of done with the whole picking up thing.  Hm...wonder if they'll have to move the couch out from in front of the gas fireplace to see if it works.  That'll be a little annoying seeing as I'll probably be teaching piano at the time.  (Oooh, more on that in a second.)  Also, I guess we signed something to allow the bank to charge our credit card with a substantial amount of money for this appraisal and the credit report (which we can't get even though we paid for it...but whatever).  I'm wondering when and how that was authorized.

Ah, piano.  Still haven't been paid.  We have two hours until the student comes for the third week of unpaid lessons.  I will be asking both of the girls if their mom sent a check with them, and if their answers are no, then I will be calling the woman tonight to ask her when a good time would be to go to get the check.  I love confrontation like that.  It doesn't get my stomach in knots at all.

Off subject completely.  One of my favorite things in the world is to use the floss just to the point that there's almost nothing left and then leave it for Dusty.  Then I watch as he vigorously pulls out some floss, and he gets 2 1/2 inches of floss.  It cracks me up every time!  Last night it happened not once, but twice!  We are out of our normal floss, so we've been using up the dentist samples, since we have like 20.  Apparently we had used up all of one before, and just put it back in there with just as smidgen left.  (I don't really like the word smidgen.  Why did I choose that one?)  Ahhh, it makes my insides happy because it always makes me laugh. :)

Could it be time for more coffee?  Or perhaps some tea instead.  Poor little boy Seth fell off a desk chair onto his big hard plastic fireman's station thing that was tipped over on the floor.  He landed flat on his back and got poked with many hard plastic corners.  He does well with pains, but it really hurt him this time.  Fortunately, it was lunch time, and lunch was pizza, so life was good again.

1 comment:

  1. Your dad is right, the appraiser doesn't care whether stuff is picked up or not. He/she will care if there are structural problems, broken house parts, etc. They will also measure the house, and the square footage combined with features and the area history will pretty much determine the value. I guess by now (Thursday afternoon) the appraiser has come and gone.

    Your bank should be willing to share your credit report with you. Mine did when I applied for a home equity loan some years back. After, all you ARE paying for it. Just ask nicely.

    I hope you enjoyed your tea break! You need more of those!

    ReplyDelete