I CLOSED ON MY RE-FINANCE TODAY!!!!

What a relief!!!!  It is over!!!! I hope I NEVER have to go through this again...LOL

I closed today and will have my "extra" money in my account on Monday.  NEW GLASSES FOR ME....NEW GLASSES FOR RYAN...NEW TEETH FOR ME....

OH HAPPY HAPPY DAY!!!!

I had to drive to Knoxville to close but hey - it was well worth the trip....AND I don't have a payment due until April 1st - that is February and March free from worry.  Thank you God and Thank you Jesus.

I hope EVERYONE who visits here finds happiness and of course....

Peace

OH HAPPY HAPPY DAY!!!!

MY RE-FINANCE LOAN HAS BEEN APPROVED!!!!!!  Thank you God!!!!!

What a week it has been....my friend Deborah's husband, "wonderful Gary" as I now call him, came over last week and did the repair work on my back porch and arranged to have the guttering put on the house and THEN my wonderful new neighbors helped me paint the back porch ceiling and beams.  Roger, the wonderful man who does my yard for me in the summer, had come by and cleared out all the limbs and leaves from my front and back yard and my house really looks good.

This morning the appraiser came back and approved the work and the bank called and now we are just waiting for a closing date - I really hope it can be tomorrow.  WOW.  I feel like the weight of the world is off my shoulders right now.  I should be able to get the money the first of next week.  Then I will get new glasses and new teeth - oh happy happy day!!  Then I can breathe - the pressure will be off - we will make it just fine - oh happy happy day!!!!

Thanks to all my friends who prayed for me - God does listen.

Peace

DON'T EVER THINK GOD DOESN'T LISTEN

Okay....don't ever think that God doesn't listen.  He certainly heard all my prayers on Friday.  I was soooo stressed out Friday because of the appraiser wanting work done on the house before the re-finance could be approved.  Work I had intended to do with the extra money I was getting - but no...he wanted it done first....hard to do without money huh. 

But I asked Him to take away that stress and give me peace and He did.  I had such a peaceful feeling Friday night, all day yesterday and today - I slept well on Friday and Saturday nights and have every confidence that I'll sleep well tonight.  I have put this in His hands.  There isn't anything else I can personally do right now - I must depend on others to help me fix what needs to be fixed and then we shall go on from there.

I found a small plaque that my dear friend Annette had given me and it was "lost" amid the "stuff" in my living room and is now found....it says "Before you go to bed, give your troubles to GOD...He will be up all night anyway"...it now sits on the bed side table where is it the last thing I see at night and the first thing I see every morning.

God IS good all the time....all the time God is good!

Peace

 

IS MY LIFE EVER SIMPLE? THE ANSWER IS "NO".

Okay - let's see now....where to start....okay

Yesterday I called the bank to make sure that everything was okay and on track - oh sure he said.

Today he calls me and tells me that there is a problem with the appraisal on the house.  It appraised for $80,000 but the appraiser still wants me to replace the guttering on both sides of the house and repair the back porch ceiling....THEN the bank should approve my re-finance.

Well.....tears......prayers....more tears....more prayers....okay - suck it up and let's see what we can do.

First I called the appraiser and talked to him myself to find out exactly what he needs to approve this deal. 

then called my friend Debra who husband Gary does a lot of renovations on home (he built their house and ooo laaaa laaaa what a house) and he came by my house today to see what is going to be involved and he says he can fix what needs to be fixed and will start on it next week.  GOD BLESS GARY!

So it's a snag - but a snag that can be fixed - just means that the closing won't happen on the 26th as previously planned.  So as soon as the work is done, I'll let the bank know and the appraiser and hopefully by the 30th I'll have a new closing date.

I was so stressed out over this this afternoon, I would have been afraid to take my blood pressure - but tonight I'm putting this in God's hands and am asking Him to take away the stress and let me get everything done and IT WILL HAPPEN.

Roger, the man who does my lawn for me came yesterday and got all the leaves and branches out of the yard and put them up at the street for the city to pick up.  I'm going to put some other stuff up there too for pick up.

Oh - and I asked the appraiser if that would affect the house any - to have "stuff" at the street for pick up and he said "NO" - yea rah.

So - I'm going to calm down now and have faith and hope and

Peace

 

MORE ON "RECLAIMING"

Okay - to go on......

I cleaned and I do mean CLEANED up my house.  I started in the living room - you couldn't really call it that for the past five years as we did no "living" in it - just existing.  Carted out all the junk and stuff that just needed to be thrown away and packed away stuff in the basement that I wanted to keep but had no room for up stairs.  I had a wonderful feeling of accomplishment when I could see the floor!

Then I tackled the "dining/bird room" and did the same thing, plus gave all the cages a good cleaning.  What a job!  But I did it!

Next - on to the kitchen.  Now this wasn't too bad - just needed to be "straightened and cleaned".  DONE!

Ryan is so pleased to have things in order again.  He is my neat freak so to speak - he loves things to be in order and where he can find them.  He is so happy to have the living room back again and is helping me to keep it all clean too!

This past Thursday the appraiser came and since I haven't heard any bad news, I'll consider it all good news.  We hope to close on this deal on the 23rd.  Then I'll have a payment that I can manage and I will owe NOTHING except the monthly bills, electric, phone, etc.  NO DEBT except the house payment.  WOW.  A fresh start - a new year - a new life.

Wow.

Peace

I AM "RECLAIMING" MY LIFE AND MY HOUSE!

Well it has been awhile since I have been able to post here.  My goal of posting SOMETHING everyday just did not pan out for me.  First this journal went through some problems and wouldn't LET me post (wouldn't save the posts to the journal) and then the holidays came about...

And then came the realization that I had to do something to take control of my life, my fianances and my house.  SO

First I went to my bank and tried to get a consoldation of my first and second mortgages.  Jennifer put in all the info and then told me that she didn't think the bank could do it.  Okay.

Then I went to Citifinancial where I have had loans for YEARS and they were willing to do it - for 9% interest rate.  Bummer - but better than nothing.

SO....I started preparing my house for an appraiser to do a "walk through" - dear God - what a job.  My house was.....well.....awful.  I had really let it go for the last 5 years - I know - I know - hard to believe huh....but working three jobs I was simply too tired to care.  I got up on the Saturday before Christmas and just walked through my house for 30 minutes crying because I had no idea where to start.  But I found a starting place and now - I have reclaimed my house.  My living room has been cleared out - new rugs down - the bird room has been cleaned out - new linolium (I can't spell that word) is down and my kitchen is once again my kitchen.  We have a home.  And it is livable.

I LOVE IT!!!!

More on this later today - got to fax something so have to clear this line.

Peace