I can't believe after 7 long weeks the waiting is over. On Wednesday afternoon, before Thanksgiving, we got an email notifying us the seller's bank will not negotiate at all, so they wondered if we would pay their asking price. Our realtor said "Think about it and let me know." Well, we've been nothing but thinking about it for all these weeks. And so when J called me at work and asked me this question, I said, YES! We want that house. So he emailed the realtor, and she emailed me back at work an addendum with the new bid; I electronically signed it, and returned it.
Technically I guess we haven't officially gotten the house, because we still need to arrange the financing. But our credit, my credit, is excellent, and we had been pre-approved way back in September when J first went to Florida to look. That of course has expired, so we start all over again, which shouldn't take long. We will contact a few banks there to see which offer will be best, and then we should close by Jan 15, according to the realtor.
The bad news: since they rejected our original lower offer --which we made to cover the cost of the needed repairs to the house and pool-- J broke the news to me that since we
Now, I feel very insecure as it is, knowing I have so little saved for retirement. It was a huge struggle for me mentally to get to be okay with taking the original amount out for the down payment. So to consider the unpleasant reality of taking more out was really scaring me. I was in tears. (Well, the only other option would be to sell the jewelry I have in reserve, which would possibly give me $8K altogether. Leaving me with absolutely nothing for the future, or in case of emergency.)
Just a few short months ago I was okay with using part of the IRA for the down payment because if J dies before me, I would have been receiving the life insurance, which would certainly either pay off whatever mortgage I had left, or give me a solid cushion for retirement. But since we had to drop the insurance, I now have nothing coming to me when/if he dies. I will have this house here which has a reverse mortgage on it. Depending on the market, I might get enough from a sale to give me as much as $30-40K after the mortgage is paid back. Not a lot.
So I wrote my dad. I asked him for a fresh set of eyes, a new perspective. I know he and J have both bought and sold a lot of houses in their lifetimes, and despite J's best efforts, I just was not understanding the "benefit" of transferring cash from the IRA to the repairs on a house I was buying. I was hoping he would be able to explain it in simple terms, and that would enable me to be okay with it.
After I wrote that, I went to bed, and slept for a few hours before waking around 2. I lay there pondering, and eventually was able to mentally shrug and resign myself to taking the chance of removing more cash, and then trusting to Fate to allow me to somehow regain those losses. I don't know how; maybe I will win the lottery! (I don't play, but whatever...miracles happen, right?) I was awake until around 4:30. When I did get up, good Lord was it cold! It has been bitterly cold, in the low 20s at night, since Tuesday night. Thank God for electric blankets.
I got up and showered, and sat down to read email. There was an understanding email from my Dad. I don't know how to describe the emotions that came over me as I read his words. He not only understood my despair, but he suggested an option I had never in my wildest imagination considered, that of gifting me the money, as a sort of advance on what will be an inheritance. I burst into tears again, much to J's shock and concern. I couldn't even speak, but just had him read the email. He sat there with me, with tears in his eyes, and shaking his head over the answer to the fears and prayers. Both of us are so...humbled, so blessed.
I felt like the weight of the world had been lifted. Even now, 4 days later, I'm in tears writing this. My words of gratitude feel so inadequate. I just am so...speechless. What an amazing amazing gift my father is to me.
If the closing does happen Jan 15, then he will send the money then, and my sister will be able to oversee the repairs, and cleaning, and whatever else has to be done before we can move in. We plan on leaving here Feb 22. My two year anniversary at work is Feb 17, a Wednesday, so I will give my two weeks' notice and plan on Feb 19 as my last day. Then we will finish the packing up of our last minute things over the weekend, and head out on Monday. That will give us each 2 more paychecks, and more of a base to finance the trip across. My pay periods are from the 21st of each month to the 20th of the next month, so this will work out perfectly.
The rest of the long week and holiday seem anti-climactic after this news! My beloved little netbook/ laptop is about 7 years old, and is finally giving up the ghost. So I bit the bullet. I researched the tech guru sites, for the best reviews for what I needed, and found a certified refurbished HP, for less than $200, which will be arriving this week. I also bought a 2 year warranty for it just in case... I'm excited for this new arrival.
J got paid the day before Thanksgiving so we sat down and did our bills Friday morning; I get paid tomorrow and so we will finish that process tomorrow night. This coming week the sewer people arrive to drain the septic tank. It's been 4 years already since he installed this new one, and he doesn't want to leave anything to chance after we leave.
Also this coming week he has a dentist appt for fixing two small cavities, and I have a vision exam; we are trying to get all health issues taken care of before it all changes after Jan 1. The following week I will see my own doc, and hopefully all my dietary changes will reflect in my improved labs. And my dentist appt is also on the horizon.
Friday afternoon J and I went out to a movie! We haven't been out to one since May, so this was exciting. We saw the new James Bond movie. Loved. It. I really really like Daniel Craig as Bond.
J had the two new-to-us tires put on my Honda, and that does help. We will be selling it shortly, so need to get that in order too. Sigh. I sure hate to give it up. But I think I have a buyer already--my good friend in AlAnon has a son who is looking for a good used car...
That saved me from figuring out what to say to my one son, who texted me yesterday asking if he could buy it and make payments. My instinctive first response was Oh Hell No. I can't, don't, trust him to make payments, sad as that is to say. Plus there's the little detail of him not having a license. He needs to get that straightened out, and pay any fines he needs to, and then be on a regular job for at least 6 months. But with my friend being a very strong buyer, I have that excuse...because that would be an awkward conversation.
Yesterday MissS and I drove up to Portland in the afternoon to visit with my smallest granddaughter, Layla. What an utterly completely enchanting child she is! She is two now, and so tiny, and yet has changed so much since March. She speaks now, very softly: minding her manners, asking for bites, ride the swing or the "side". I could go on, but I won't. MissS took lots of photos, and I only got a few myself, but we did both get hugs this time, and she allowed each of us to hold her briefly. We went to a nearby playground in the park, and us 3 adults followed her outside in the bitter cold, probably not even 40 degrees. She enjoyed the swings, and the slide, and toddling around with another little girl (oddly almost the exact same age, and her name was Leela). When it began to get dark, we drove to find an indoor place to warm up and found a Starbucks, where MissS treated us to hot drinks and a cup of fruit for Layla.
All too soon it was full dark, and time for us to go. She loved the RaggedyAnn doll, and the stuffed horse, and MissS also bought her two early readers. Layla is being taught to love books--I'm so impressed with her mom. Really like her a lot. For a 21 year old, she is very mature. I don't know when I will see them again, but MissS surely will....
Now here it is Sunday again. Despite having 4 days off in a row, it feels like it all flew by.Wonderful to have so much unstructured time.
Today J will wash the dogs, and then we are not doing much else. We've been so busy, and today is our day of rest. It's blindingly sunny outside, but the cold is daunting. I'm so looking forward to not being cold anymore. Now we can literally count the days, instead of not knowing when the move was going to happen.