And That’s….the Truth

Well now that we have officially started our house hunting, I have been in contact with several different mortgage lenders. As this is the first time that we have tried to acquire a mortgage, I am really unsure as to what the process is. I know that a person should really get a few quotes so that is why I have contacted several lenders. Whoever gives us the best deal with the least hassle will probably be the company that we end up going with. Although this process is highly confusing, it is also extremely exciting. But I can’t wait until it’s all said and done and we are finally moved into our own little home.

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The kids are home from school today so I have decided that them and I will take a little trip down to our local garden center to purchase some garden decor. The inside of our home is almost completely renovated now so I need to start working on our outside space. I’m looking at purchasing some planters and I would also like to take a closer look at their outside fountains. So hopefully I’ll find some items I like and then our outside space will look at nice as the inside space does.

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Last September our pet cat Oscar ran away from home and he never returned. Ever since then the kids have been bugging my husband and I to get them another cat. So since it’s almost summer we have decided to get them another cat. Getting the cat will be the cheap part. We will then have to purchase dishes, toys, food and maybe a cat condo. But, they really do miss their cat so I think that we will bite the bullet and get them a new one.

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Well since we have plans to move, I have started looking for shipping boxes to start packing up all our stuff. I find shipping boxes are a lot better and sturdier than normal cardboard boxes. And since I don’t know exactly how long all our stuff will be in these boxes, I wanted to make sure that they are packed in the very best containers that they can be. Although this is a lot of work for me (I do all my packing when the kids are at school and my husband is at work), I am so excited to be finally moving, that I don’t mind the extra work.

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When my youngest son gets home from school today, he is going to be so…mad at me.   Well he will be a little pleased until he kicks into what I’ve been up to today.  Today was the day I decided to clean out his room.  I threw out an entire  garbage bag of old and broken toys.  Now to him they are treasures, but to me, they were junk.  He will be pleased that I cleaned his room (this means that he doesn’t have to), but he will be annoyed with the amount of stuff that he is now missing.  Oh well, I guess he should have cleaned it himself if he wanted to keep everything.

Today was his day and tomorrow is his sister’s.  So tomorrow I could quite possibly have another child annoyed with me. lol

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Last night when my husband got home from work he was so excited. He was telling me about a house that isn’t on the market yet, but he found out about it and if everything he heard was true, it would be the perfect house for us. So my husband and I and the kids piled in the car to go look at this house. I have to say that I was highly impressed with the layout of the house, the great condition it was in and the huge back yard. The only thing I wasn’t impressed with was the bath lift, but I figured that if we end up purchasing the home, we can always remove this. So my husband is going today to talk to our mortgage broker and see if we can get pre-qualified for a mortgage. If we can then we will probably put an offer in on this house.

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It’s been almost a year since I quit my full time job to become a stay at home and boy do my savings accounts ever reflect that. I’m going to have to do something drastic here if my accounts don’t start to fatten up again. I have never been this broke and I know it’s because of the loss of income plus loss of tips. My husband is not concerned about this sitauation at all, but I am and I think soon, I’m going to have to do something about it.

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As you all know, I am now a work at home mom. Because I spend so much time online and have a lot of business/office equipment, my husband gave me our spare room for my home office. I pretty much have everything in the office that I want, but I would really love to have a couple of leather office chairs in the room as well. I just think it would look more professional and I know it would definitely be more comfortable than what I am currently using. But, everything does take time and it won’t be much longer when I have the entire office set up the way I want it.

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Finally! Spring is almost here. And, what that means for me is it’s almost time to put our mobile home on the market and start our house hunting adventures. We have already started looking online at different houses and their prices in the areas where we would like to live. If it’s at all possible, we are going to try to find a home that is near our children’s current school so they will not have to change schools when we finally do make our move.

But with house hunting, also comes Mortgage hunting as well. When we bought our current home, we bought it as a rent to own so we never did have a mortgage on the property. So when we do buy our house we are going to need to get a mortgage. So I have been doing a little digging on mortgages, interest rates, and repayment structures. So far I’ve been very pleased with the information that I have uncovered. When the time comes to buy that house, I want to have my mortgage already approved so that once I discover the perfect home, I will just be able to go in and say I want it. So for right now we are doing a little house hunting off the Internet, but when we get our pre-approved mortgage, we will then start looking at actual homes that we have a hope of purchasing.

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Have you guys ever heard of this saying?  If March goes in like a lion it will go out like a lamb and vice versa?  Well if this saying is true, then we are going to have a very nice end to March.  For the past two days we have been hit with a massive snow storm.  We were only supposed to get 10cm of snow yesterday and another 10 today, but yesterday I’m pretty sure we got the 20cm all together.  And, it’s still snowing today and has been all morning.

So, if this saying holds true then the end of March should be warm and sunny with not a snowflake in site.  If my memory serves me correctly from past years, I think this does really work.  So I’m looking forward to the end of March for my nice weather to finally arrive.

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