Okay… I admit it, I have been a bit quiet this week.
Uncharacteristically quiet, even for me…
There are a few reasons for this
- I am working modified hours because of issue with before and after school care of my kids.
- I still have about a billion things to do for Yule, never mind Christmas…
- Work is kicking my hiney…
But none of those things have gotten me quite as distracted as the BIG FAT NEWS item…
And no, i’m not gonna tell you about it quiet YET (laugh) first you have to put up with the preamble, as always…
I am the kind of person who usually has a plan
and plan b
and contingency plans for every aspect of Master Plan and Plans B through D that could potentially go in directions I didn’t expect.
And so going through my divorce process has really been stressful on me. Not only do I not have the ability to come up with a reasonable Master Plan of how things are supposed to go (becuase i have not been able to get a good feel of the complexities of the laws and such) but I have to rely on a douche-bag lawyer who seems to be attempting to milk me of every penny he possibly can through his ineptitude, inefficiency, and poor communication with me…
To recap, my lawyer was supposed to do up the divorce paperwork after the 4 way meeting (me and my counsel, theEx and his counsel) and it was to be forwarded to theEx’s counsel for verification and then onto the Court of Queen’s Bench for dissolution of marriage.
Only he didn’t do that.
Instead of getting the paperwork together and ready upon theEx meeting the remaining conditions of the separation (ie, selling the house, getting my name off “marital” debts that theEX used to get back at me) my lawyer decided to wait.
The waiting game has gone on 6 months longer than necessary…
All conditions have been met by both theEx and myself since June… I have been on my lawyer’s CASE since July… and yet the paperwork hasn’t even made it to theEx’s lawyer yet and my divorce is not on the horizon as far as I can tell.
That has far reaching implications. The biggest, of course, has been that my lawyer has been responsible for causing me a great deal of financial stress — the more that I have to contact him to prod him to do what he agreed to do, the more he charges me to DO the agreed work (lovely how lawyers do that) — and a HUGE pile of economic uncertainty.
I have been worried to the point of losing sleep and my appetite because I am not entirely sure that, with all the general fucking around and blowing me off (and not in a good way) that my Douchey Lawyer has done in the last 6 months, that I will be able to PAY his fucking fees.
And that has caused me to both hoard money and binge spend… which is entirely normal given that I haven’t had the ability to grasp what my financial reality will be IF he EVER completes this divorce (last word was he was sending a letter and draft of the divorce decree to theEx’s lawyer for approval… and given that theEx is underpaying child support how they are going to deal with that)…
So… with the tension and uncertainty in my finances, and my inability to do accounting 90% of the time, I have been avoiding finding out what my credit was like.
Because, you know, living with a spendthrift for 13 years…
having my finances controlled by someone who emotionally abused me, lied, manipulated, and controlled me…
not doing so well in my university math or accounting classes…
and having no idea if I can even pay my legal bill when I get it…
… have all made me wanna act like the ostrich with her head in the sand …
And yet I hoped that if I was diligent and paid my bills on time, didn’t get extra credit cards, paid more than I needed to on the credit card I had (or kept it at $0 or at least LOW), didn’t get additional debt (other than to pay off my lawyer), and basically managed things without getting into trouble… EVENTUALLY… EVENTUALLY I would clean up all the mess that living with theEx did to my credit rating.
I had plans for a future:
-
I wanted to be debt free
-
I wanted to have a passport (CHECK)
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I wanted to be able to travel (check!)
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and I wanted to OWN a home instead of renting it
But I worried that I would never be able to OWN something on my own, because even when theEx and I were both working full time (and he earns MORE THAN TWICE what the average TWO INCOME FAMILY makes all by himself) we BARELY managed to qualify for a mortgage…
So I had what my friend S had called a “Big Fat Hairy Audacious Dream” — to own a HOME.
And I kept it in the back of my mind so I would pay my bills and do what was right and not overspend TOO much…
And then, about a week ago, I was out with G and we drove past a new housing development (well, the houses were not new, they were moved and completely renovated town houses from another area) and the idea to go and see what they were like inside hit me.
I mean, I could SEE what they cost, right? I could go to an open house, right? No one could fault me for that.
And so the kids and I went (on a supremely COLD afternoon) to an open house…
And we SEEMED to qualify for the program…
So I contacted a mortgage banker… and I sent her all my information…
AND I GOT PREQUALIFIED for a MORTGAGE!!
So I went and looked at a few units in my price range…
And I made an offer on a 1048 square foot three bedroom townhouse “condo”…
And now I’m waiting to hear back if the city will approve my application into this program (the city is paying the 5% down payment if I qualify)… and if they DO…
I WILL OWN A HOME OF MY OWN… ON MY OWN TERMS!!!
(Please send good energies and thoughts for me… I can use all the help I can get to get this done!!)