Curses Within
Note: I’m told it is Delurking week, so if you’re a lurker I’d love to hear from you! Not that I’m so good at communication, but I know there are a few of you out there and I always get a thrill when you say hi.
I thought I was drowsy, then I signed all our loan papers and suddenly my heart is racing and I feel like puking. We’ll be paying more in interest than we will for the house! Holy shit! We don’t have a very big down payment, which is the problem, I guess. We did get a really good rate. Holy shit. Of course, we will try to pay extra each month to knock that number down, but did I say HOLY SHIT already? If not. . . Holy SHIT!
Ok, enough of that.
Yesterday I was fairly convinced that the whole “LJ is falling! LJ is falling!” was an overreaction, but then it was down for several hours today. Is this a case of the tabloids being the only ones who know the truth?
I talked to my mom this afternoon and I am full on PISSED! Can I curse any more in this entry? PISSED! How can I make the letters bigger to really show you that I am PISSED?
Anyway, my BIL is out of jail. The DA offered him a deal on all the charges with my grandma’s fraud case and he is getting off with a slap on the wrist. Thirty days in jail, five years probation. Big fucking deal. He is a sociopath who belongs in prison. He doesn’t belong among the innocents. His lack of violence is the only thing saving him. He won’t be able to serve his jail time until there’s space for him, so he’ll probably never serve it. There are too many rapists and murderers that need to be locked up. What a world.
Also, the CPS lady came by and was in the house for less than three minutes. She made them sign something saying that the children will not ride in the car with my BIL. Case closed.
There’s a reason I am not hopeful about CPS doing anything to help those kids. My hometown is a cesspool of humanity. They don’t have places for all the children they pull out of meth labs. If they had to pull every kid who was in an alcoholic home they would just have to set up boarding schools and have 3/4 of the town’s children attend. You think I jest, but it really is that bad. I always hate it when people want to know where I’m from and won’t take “southern Oregon” for an answer. When I say K. Falls they either have no clue or their eyes get a little wider and they say “Ooooooh,” with a knowing look. I hated teaching there because there were so many children that needed love and care. It was heart breaking on a daily basis.
What a lovely thought to end the evening.
Maybe I should watch some webisodes of Battlestar Galactica to improve my mood. But wait! They are in a tense situation with lots of death. Maybe that’s not the best idea.
Maybe I better just go take care of two things I need to get done before I leave. The sooner the better. But I don’t want to spend any money now that we’ve just sold our soul to the bank. *panic panic panic*
I guess it isn’t that bad. Yes, it is expensive, but we’re getting a lot out of it. If we don’t buy a house we’ll be throwing away just as much money on rent and what will we have to show for it? *deep breath deep breath* It’s better than rent. Repeat after me. It’s better than rent.
I’m hungry, but I’ve already brushed my teeth. What to do? I guess I’ll just suffer and pretend that the hunger pains are pieces of fat falling off my body. I really hate re-brushing my teeth.
January 8th, 2009 at 7:31 am
You’ll be fine with the mortgage as long as someone is working. In this economic climate, they aren’t giving mortgages to anyone who is even a tiny risk, if that makes you feel better. I am hideously debt averse, but it is a great feeling to know that the amount that you are paying is actually buying something, rather than enriching someone else, like renting is. We even have a little floorplan of the house that we move a line across for each little bit that we grow to own. Plus, your taxes will be totally sweet next year as you get a big bunch of new deductions.
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January 8th, 2009 at 9:10 am
delurking to say HI!
I read you in reader but have been horrible about leaving comments.
January 8th, 2009 at 10:34 am
you just have to stop looking at the big picture number when you sign those papers. I think nearly everyone owes more in interest than the actual house. but dont forget you have one asset that appreciates value instead of depreciating (As long as you take care of it and the entire real estate module doesnt go completely tits over heels)
and a little extra each month goes a long way to saving you money. heck paying an ONE extra payment per year knocks over 7 years off a 30 yr mortgage. we spread that extra payment out over each month and it really feels little.
and as an Oregonian I admit I get the little shudder when I hear K Falls.
January 8th, 2009 at 2:11 pm
When we bought our house, my sister covered up the total so i couldn’t see what i was signing. She was afraid I’d have a heart attack!
January 8th, 2009 at 3:44 pm
I am so excited for you!! I think you’ll go back to being excited in a few days or so.
I kind of can’t believe that about your BIL. Does this help or hinder their situation at home, with your sister’s leg and all that’s going on?
January 8th, 2009 at 3:45 pm
De-lurking to say hi! I like to read about your funny Erik stories and your adventures in MD. Congrats on the house!
January 8th, 2009 at 6:49 pm
I about puked at the interest too. Everyone does. When we bought our house, I freaked because the total number was enough to buy a McMansion.
If you are able to make an extra payment every year (or pay 1/12 extra each month) it can greatly shorten the length of your loan and the interest you pay. I don’t remember the calculations but I’ve heard reference to turning a 30 year mortgage into a 15 year one. It’s best to do this early in the loan, but if you can’t, don’t stress. If you have a fixed-rate loan, your payments will stay the same while your yearly income increases (usually).
Also remember that in contrast to renting, you’ll be gaining equity and you can deduct the intrest you pay each year from your taxes. Unlike cars, most houses increase in value over time, so you will probably sell you home for more than what you pay for it (additional equity).
Plus, it a beautiful house and its YOURS!
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January 9th, 2009 at 2:01 am
Hi, I’m still reading – I don’t get over here every day, but I always catch up with all your posts when I drop in. I enjoy your wry, quirky, humorous take on life. (And the fact that you can spell and punctuate, and you understand grammar. Call me old-fashioned!)
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