IT SOLD!!!

Hot diggity damn, the Durango sold! OMG, I am beside myself with joy and relief. No more car payments, period. Such a weight has been lifted, it’s wonderful!! We even got enough to pay off that initial amount I charged to my credit card to bring the payments current. It still wasn’t enough to cover a couple hundred dollars worth of work we had done to it, but that’s okay, the important stuff will be handled, the debt wiped clean! Woohoo!! Happy dance, happy dance! This, of course, makes the rest of my post that much better. I started writing what follows a few days ago, before we sold the car, so the significance of it has just become even greater.

From Saturday…

Well, I got tired of waiting and wondering, so I decided to contact a mortgage company to see what exactly it would take for me to attain credit worthiness for home ownership. I was hoping for some tips and maybe some sort of a plan to follow to get myself started on the right track. I already expected a long wait, and some hard work, and a lot of saving, so I was prepared for whatever they had to say. I told the nice lady about my situation and gave her the go ahead to pull my credit report, and you know what she found? A pretty damn good score all things considered. HUH? She said that once we get that stupid Durango sold, and I have a little more time under my belt with my second job, getting me a loan shouldn’t be a problem at all. In fact, she said if I was ready for it, she could probably get the process started this summer! It wouldn’t be anything extravagant, of course, as I simply couldn’t afford the payments on the type of house I’d like to have. But that’s okay; it’s well worth it. Like having kids, if I wait til you can afford it (it being my dream house) then I’ll never have it. As always, baby steps are the way to go. Anyway, I was surprised, to say the least, but oh so glad I asked. I honestly didn’t think this would be an attainable goal for the near future; so hearing this news has really given me some motivation to reach that goal. Luckily Bub put as much of his crazy business crap in his own name as possible, knowing that at least one of us would need to have salvageable credit one day, so for that at least, I am thankful. In fact, the Durango is the last debt we have left that is technically in both of our names. The other things, like his student loans, he just expects me to help with since the debts were incurred together during our marriage, but my name is not actually on them. And seeing as how he has no intention of paying those debts for as long as he can get away with it, then I’m really not gonna worry too much about it. We’ll cross those bridges when we come to them. Anyway, for now, the first order of business is to start some savings, and then to keep the bigger picture in mind when contemplating sticking to my budget. And then maybe, just maybe, by this time next year, Em, Mischief, and I will be happily settled into our own little home with a fenced in back yard and wall colors of our very own choosing. Ahhhhh…