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What is Your Mortgage?

  • Posted on May 31, 2010 at 1:12 pm

with the house hunt going in full swing, (oh, did i mention we finally got approved? we did!) we are now in the stage of asking ourselves, how far are we willing to go? at first, we set a reasonable limit, hoping to buy a house with a mortgage less than our current rent… but it’s beginning to look like we’re going to have to go just a little bit more if we want a home in the area we love. which brings up, how much it too much? i realized today, that i literally have NO idea how much anybody else pays for their mortgages. what is the average? i have no idea. i know it all depends on the size, location, and condition of the home you buy. the home we are currently crossing our fingers for is in very good condition, and in the perfect neighborhood… but we’re going to have to go just a little bit over the limit we originally set for ourselves.

which brings me to the question, what is your current mortgage payment? you can answer anonymously if you don’t feel comfortable spilling that info on my blog. if you don’t have a mortgage, how much would you be willing to pay, or how much is your current rent? if you’re in a full-disclosure kind of mood, i’d also love to know what general area you live in and how big the home is. (city or suburbs or country, and specifically what big city because those can make a big difference!) again, you can answer anonymously- so there’s no reason not to. :)

Memorial Day

  • Posted on May 30, 2010 at 6:00 am

i would say “Happy Memorial Day”, but to be honest- i think it’s sad that a day like this is in existence. not the fact of it- the fact that we have had so many deaths in war, that there is an entire day dedicated to honoring those who have fallen. death in general makes me sad. to think of someone dying in a war is especially depressing to me, because i can’t help but imagine all the wives, husbands, mothers, and children that have been left behind.

today, i would like to take a minute to thank ALL our soldiers. not just the ones who have fallen, or will fall. i hate war. i hate it with a passion, but i support our troops 100%. in my opinion, if you want to protest the war, you should protest the politicians who throw our children, brothers, sisters, parents, friends, etc. in the middle of it. SUPPORT OUR TROOPS. if you don’t support our troops, or have ever set foot at a military funeral with intents to protest- i would like you to calmly fuck off right now.

my father’s father was in the military.

my mother’s father was in the military.

my father was in the military.

and this cute little boy down there? is about to leave for his third tour in Iraq in July. to think that my baby brother will be thrown in the thick of war yet again, makes my throat close and my eyes get prickly. i will write him, send him packages, and i will always give him a place to go when he gets back… because he is my brother and he is part of our troops. American heros, all of them.

I…

  • Posted on May 29, 2010 at 9:43 pm

… love pickles. my children don’t like pickles. they can’t be my kids. who has my husband been sleeping with????

… feel really sad when people die. not just people i know… anybody. i avoid the news like the plague.

… want a new house, but am terrified of the change involved. the packing, the getting used to yet another new place, the possibility of making yet another huge mistake. SCARY. but i am so ready to be rid of the 70s vomit.*

… hate the weekends on the intarwebs. new blog posts are few and far between, and i don’t like not having something new to read or comment on.

… am on a Margaret Atwood kick. i am highly impressed with her writing… to the point where it’s almost too good to read. i feel unworthy, and not intelligent enough to read her books and really “get” them. i also know that i should just get over it. she is an amazing writer. i wish i had more time and energy to read.

… am on my period, and once again it makes me irrationally sad. stupid hormones. stupid biological clock, who doesn’t know we are trying to turn it off.

… get really excited when the mail comes nowadays.

… have gone a little overboard with the sign-ups for free samples. i’ve gotten samples of herbal supplements i have no intent to try, 4 re-usable shopping bags, 1 freezer bag, and tons of personal hygiene products in the mail. (deodorant, shampoo, soap, body wash, lotion, tampons, pads, etc.) i’ve gotten a Neti Pot (those sinus clearing things) i will probably never use, but the kicker was when i got samples of Poise Pads yesterday.  yes, i may have a problem. it’s probably a good thing i still haven’t received those 10 free pregnancy tests. that way, they don’t have to go into the junk drawer with the pedometer i also received today. “Hi, my name is Nobody, and I am addicted to free samples.”

… am watching Torchwood. i am also addicted to old scifi series on Netflix instant streaming. i’ve already gone through Roswell (which i really, really liked) and Farscape seasons 1, 2, and 3. i am about to start watching Sliders.

… am slightly drunk, with only 2 glasses of cheap wine in my system. i am a very happy, friendly, chatty, sweet and optimistic drunk. my husband is upset because he can’t take advantage of it.

… don’t own a single wine glass. we used to, but they all broke over the course of 7 moves. i currently drink my wine and everything wet out of a pickle jar. i think it’s awesome.

… really like marshmallows. they are like little fluffy bits of bite-size heaven.

… will now be ending my picture montage of random thoughts. peacelovencoffee.

*we are currently living in a home we are renting from a friend. the house had been vacant for around 5 years when we moved in, and the paint and appliances/fixtures haven’t been updated since the 70s. (okay, late 80s at best) it’s FUGLY and there’s nothing i can do about it.

Homeowners Advice

  • Posted on at 1:32 pm

in two days, my husband will attend a home buyers workshop. after that, we will hopefully be given the green light to begin looking at homes to buy. in light of this new development of our home buying process, my brain has begun working, and won’t shut the fuck up. as i was laying here, trying to take an afternoon nap, my brain began circling through the various things i’ve learned about houses over the years, and what i should keep in mind when we buy one.

foremost in my mind right now is a hearty piece of advice that i advise everybody who owns their own home to take.

*Make your home beautiful NOW, not after you decide to sell it.*

a trap i’ve seen so many people fall into, is letting their homes fall into disrepair. they complain about the nasty carpet, the ugly walls, the poor landscaping, or the unappealing bathroom. (and much more) then one day they have to sell their home, for whatever reason. don’t think you’re immune… things happen. you have to move for work, family, or you just have to downsize or upscale your home size… whatever. shit happens, and you may not get that 30+ years out of your home that you were imagining. what happens now with the ugly bathroom, carpet, and paint job? well, you fix it of course! you spend hours and tons of $$$ fixing up your home for someone else. you’re still in the same financial situation you were before you had to move- maybe even worse off, yet still you manage to come up with the money to make these improvements, for the sake of selling the home.

don’t fall into that trap.

keep your home nice so not only do you live in a nice, comfortable home- but you can concentrate on something other than fixing your home up if you ever have to sell it.

when i was a kid living in Connecticut, my mother was unexpectedly transferred to a sister plant in Tennessee. what happened then? we had to move. the first thing they did was remodel the bathroom. i can remember sitting in the crusty old tub, trying to get clean while tiles fell off the walls, the toliet clogged, and the dirt in the cracks in the floor undid the majority of my scrubbing. then all of a sudden we had to sell the house, and my parents poured thousands into the bathroom to modernize it. they literally replaced everything in there… we had to use a Porta-Jon for a whole week while the crews tore the walls out of that room. when they finally finished we had a beautiful new bathroom, and we promptly moved out.

a couple years after we moved to Tennessee, the roof in our house started leaking. my bedroom was hit the hardest… the walls were made of plywood, and they buckled in and warped from the wet. sure, my parents replaced the roof and made it stop leaking, but they didn’t do anything for my bedroom; they only did what they had to. eventually the walls dried, and i had very funny shaped walls. when it became obvious that i needed new walls in my room, i started coloring on them. it started out as one funny little quote i really liked written in a sharpie marker, and eventually exploded into every friend of mine signing the walls and drawing pictures. when i needed a phone number, it was signed on my wall. i had poetry, art, and a record of every friend i had on that wall. it was really, really cool. one day, in a fit of adolescent fury, i punched a hole into my wall. it was huge… so i covered it with duct tape. another day, i punched a brush through my wall, and added more duct tape. my wall was officially ghetto fabulous. i can remember sleeping one night, and hearing a scratch-scratch coming from inside my walls. i figured one of our cats had gotten in my closets (which doubled as roof crawlspace) and was scratching to get out. it was coming from the duct-tape fix, so i peeled back the duct tape, to reveal some very long, disgusting claws that were NOT feline… a possum had gotten into my closet somehow. i screamed, used a broom handle to push back the tape, and didn’t sleep well for months after that. yes, my room was a wreck, and that’s just one of the rooms in the house that fell apart. when my parents moved into that house, they didn’t replace any of the curtains, they didn’t paint a single room, and all the flooring was what we had walked on when we looked at the house and decided to buy it.

life moved on, and i grew up and moved out as soon as i could. eventually, my parents decided to move to Virginia for their work.

what’s the first thing they did? you guessed it! they had my old bedroom completely renovated. they had the walls professionally painted in the entire house, and replaced the carpet. the house was brand-spanking-new, and the first thing they did when it was done- was move out.

that’s why i am giving that piece of advice out today.

don’t fix your house up for someone else!

fix it up for you.

when things go wrong, you’re eventually going to have to fix it anyways… don’t procrastinate to the point where you can’t even enjoy your hard work or spent money.

replace the carpet that you hate looking at. get some blinds for your windows. save up to replace the shower stall. take the time to paint your rooms… trust me, you’re gonna have to do it eventually if you own your own home. do it now, while you can still enjoy it.

Fix It Friday!

  • Posted on May 28, 2010 at 9:22 am

it’s fix it friday again on I Heart Faces! this is quickly becoming one of my favorite activities to do this morning, and i actually found myself a little disappointed that i had to worry about doing things like get my kid to school and feed the baby before getting to work on it. *oh the shame*

this week, the picture didn’t have anything outwardly wrong with it (at least, i don’t think so) but the owner of the picture said that she felt it’s a little flat.

Original Photo

as you can see, it’s an already an adorable picture. when i “fixed” it, i did the usual… adjusted the brightness/contrast, and tried to smooth over a little rash on the baby girl’s tummy. not too much, though- i still wanted it to look natural. this week, i also played around with the features of my photoshop program, and messed around with adding a Diffuse glow to the twins, and even transformed them into an oil painting. interesting effects…

My first fixed photo with basic adjustments.

here, i added a Diffuse Glow for an interesting effect... i think it almost makes them look porcelain.

this one is the Paint Daubs feature on Photoshop. i think it's pretty cool. click on the photo to see it in better detail. :)