Gripe #1: Husband has been on the man rag all weekend. Sorry guys, I don't care what you say, men get PMS too. Finally done with his attitude, called him out on his nonsense. He banished himself to the basement for the evening. He has irritated me to the point that I don't even want to be on the same floor as him, so I guess I won't be making soap (soap lab is in the basement).
Gripe #2: I have a renter in my "before I got married" house. She wants to buy the house, but has bad credit so she doesn't think she'll be able to get a traditional bank mortgage. So, this spring we agreed to do Contract for Deed in the fall, agreeing on 10k down and monthly payments with balloon payments annually. All of her rent from the first of the year is also being applied to the total house purchase. So... first she asks the realtor if we can extend the closing date a month because she won't have the money until the second week of November (she's a seasonal worker, so part of her income is in a perdiem check at the end of each season). Fine... then on Saturday when I was over there painting, she came up to me... she doesn't have the 10k down, she only has 5k [insert sob story here], so she wants to change the amount down to 5k. Um, lady... I turned down 4 CFD offers because they were only 5k, and they offered larger monthly payments... I didn't want to do CFD to begin with but I did as a favor to your family who I've known since I was a kid. What really ticked me off... she kept saying "well, just remember Sherry, I can't do my renovations until the CFD is done, so just keep that in mind." Like I give a rat's patooty about your renovations and if you can afford to do renovations then why the heck can't you afford to give me the 10k down? "Well, if I give you the 10k then I have to wait a year to start renovations." Welcome to being a grown up, lady. I told her that if she doesn't have the 10k, then there is no CFD. If she wants to continue renting for the next year, I will continue to apply the monthly rent to the amoritization schedule, she should spend the next year taking care of her credit issues and then next fall go to the bank and get a real loan.
Ugh. It just ticks me off that people don't get a clue with their money. When I was pregnant with my daughter I was dead broke, to the point that my paycheck hit the bank and I had $12 to decide if I was buying food or gas in my car. I went out and got a second job, working a total of 72 hours a week - while pregnant with a baby that had a heart defect (I was told she wouldn't live at birth). After my daughter was born, she went to live with my mom for 6 months while I worked my butt off for 72 hours a week, every week, to pay off my debts. Some weeks I saw my son for three hours for the whole week (thank god he had a dad that was involved and willing to step up so I get myself sorted out!). It was the worst year of my life, but man oh man, when I made that last payment and handed in my resignation to my part-time job, and then the next month I got to spend 70% of my paycheck on whatever I wanted (I didn't, but could have)... and 6 months later I had 2 months salary in savings, paid for a 3 year old car in cash, and still had 70% of my paycheck to do what I wanted... and 3 years after that I had enough money saved up to put 15% down on my house, pay the closing costs, and buy appliances - and still had money in savings! I learned my lesson about taking care of money, and it has taken care of me 10-fold. I wish the lady renting my house would get a stinking clue.
Thanks for letting me rant. I feel 1000x better. Maybe I will go make soap.
(A valium and a quart of ice cream day)
