Personal Journal: the strategic default of the house we purchased in 2006

Tuesday, November 22, 2011

Broken Appliances

Moving is a pain and a part of it is people are weird about their stuff.  I'm going to complain a bit.

Number one, when we got to our new house last night to do a few chores, we realized that the dishwasher is not hooked up.  I was lamenting during escrow that the appliances don't match (OCD) and when we arrived after escrow they did match.  Funny? They put in a different dishwasher during escrow, just to fill the hole in the kitchen, it isn't even hooked up.  Does it work?  Why would someone do that?  Arg.  Maybe they put in one that does work and the other is broken, but I don't think people work that way.

The new place
Two, the heater in our rental.  I know that I have not paid rent in a few months, which was nice of our landlords.  Our heater has been broken this whole fall, and we have told our landlord, without expecting him to fix it.  I know he wants to be done with this house.  I know he doesn't want to spend any more money on it (me too), but I'm cold.  I could pay for the furnace to be fixed, but it isn't my house, and we are moving out.   I don't want to, but I'll still gripe about it.

Yesterday a 4th person made an offer on this house.  Now our landlord wants to swing  by and see if he can fix it.  I have been cold a month.  If it was important to fix it for a buyer, it is good to fix it for me.

Fortunately we have a gas insert in the kitchen that runs and can heat most of the house (key word "most").  It is warm enough if you wear several layer and use a blanket on your bed at night.

Now the dishwasher in this rental is broken too.  All of the broken-ness around here is making it easier to pack up.  I can't use my kitchen very well anymore anyway.  I can't dress in a cold closet very well anyway.

Let's pack up and get out of here!!

All of this whining puts meaningful things in perspective.  I will be cold, and wash every dish by hand, and I will be thankful for the people in my life.  I don't care about the dishwasher or the furnace terribly much.  I want to surround myself with people who are generous and loving, and I want to be gracious towards folks who are not (and then hang out with the folks who are).

It looks like I'm getting near the end of the story.  

Friday, November 4, 2011

More Real-Estate

We are moving.  Last week we looked at rentals.  They are mostly fine.  I want something close to town, with light from outside coming in.  We found that.

We also had to fortune of finding a house that is not on the market, but needing to be sold, through a friend.  It is a good house for us, on 1.6 acres, across the street from 400 acres of state park land.  It has fruit trees, 3 bedrooms, an office and open living space.  We can afford it, so we are in escrow, closing on the 16th.
I'll be honest when I say that I am less than excited.  It meets our needs, and is easy for us, so I am very, very glad.  I've packed a lot, so it should be seamless.   As nothing is ever seamless, I am holding off on excitement, but it is a happy day.  I've found that working hard has little to do with luck.

This week I played badminton for the first time in 21 years.  That was exciting and fun, packing boxes and fixing a few problems at the new place is less than fun for me.  When we are moved, unpacked, and it feels like home, I'll be excited.  It happens for me when I can find my way to the bathroom in the middle of the night, and when I imagine myself, I see myself 'at home'.  I'll be excited to go home.  

Friday, October 21, 2011

Short Sale: Back on the Market


When we left for vacation last week, I was fine that our house was for sale and a short sale was pending.  On our way to the beach our car burned up, not literally, but there was smoke, and where there is smoke....Anyway, the car broke, and we were going to have to move when the sale was final, maybe January.  As it turns out, while on vacation, our landlord called to say they are giving us 30 days notice to move out.  They are scared that the sale won't go through and that the house will sell better empty (staged), before the new year, when they need it off or their books.

I understand that they want to sell their house, and that it has nothing to do with my housekeeping and decorating ability (it is my full-time job so it looks nice in here).  They have been generous letting us live here rent-free.  I just don't want to move during the holiday season.  Don't expect any gifts or a decorated tree from me this year.

As we left for vacation we thought we had no car.  On the way home, with our repaired car, we have no house (or at least no house in 30 days).  If you read through the annuls of my blog, you will find that "I HATE MOVING" is a theme.  I'll repeat it again, I HATE MOVING, but I will.  I don't want to push back too much with our landlords to stay longer.  We live in the same town as they do, and I don't want any problems later on.

Tonight, home from a week at the beach, I am too tired to comb Craigslist.com anymore for rentals.  G'night.

Wednesday, September 28, 2011

Rent Free

I've neglected this blog for a while, as nothing interesting is happening.  In the last few months, we made two offers to Bank Of America to buy the house we live in for a short-sale price.  The bank valued the house 55k over what we offered.  We felt our price was fair, and what we can afford.  The bank wanted more.

I am curious about the big picture for the bank.  55k is a ton of money for me, but I am thinking it is not much for the bank.  I think we will submit another offer that is a bit higher (just a bit) and see if they bite.  If not, we can move when the house sells or the bank owns it.  We have 60 days to be out after that time.

For now the rent is very reasonable.  The owners are not charging us rent anymore.

Tuesday, July 12, 2011

Hurry Up & Wait

The papers are signed, all we need to do is wait.  The bank will decide, in their time, if they will accept our offer for the house.

It has been my experience that waiting, warps my perception of time.  This time, I am hoping the bank takes a long time to get to our stack of papers.  Last time I was hoping they would take a long time to get to our stack of papers.  Last time they only took a few weeks, and we had to move in a rush.  The longer it takes, the longer I am not paying rent.  Please take your time, Bank of America!

If the bell is going to ring at your kids school and you are running behind, those few minutes seem lightning-bolt fast.   If you are stopped at a stop light, the same amount of time can drag on, and on.  If you are carrying your first baby around in your belly, each day is long.  If you are carrying your second baby around in your belly, the same amount of days are seemingly shorter.

If my perspective and perception of time is what makes waiting short or long, then I am going to try to "suffer" during this time of waiting.  Will that stretch it out?

Saturday, July 9, 2011

Giving In

The timing is terrible for us to buy a house.  We are leaving for a long time to go to Eastern Europe.  This weekend we will make a short sale offer on the house we live in, for what we feel is a screaming deal!

I think we will be fine on the details of the transaction, because it will take a long time to deal with the bank. So there you have it!

I really don't like to be pushed for time on a huge decision.  I have already made some decisions about what I will do to this house if it is mine.  I've had a year to think about it!

The first thing I will do is cut down the evergreen topiaries that flank either side of our front door.  I have posted a photo, so that you can agree with me.

Thursday, July 7, 2011

HOA

My mind is racing a bit with questions about buying the house we live in.  The main one is doubts about the home owners association.  We don't know the details of membership.  What we do know is it may be a community, but it is not neighborly.  Or, our experience so far has not been warm and generous.

Does that matter?  Will it be okay to have the 'trashy' house on our street?  Can I survive wondering if folks are judging me as they walk to the mailboxes?

Though I had nothing to do with the pink toilet in my yard, it exposed the nature of several neighbors.  It's good to know that how our block looks, is something people care a lot about here.  I care a lot about being a steward of my stuff as well.  I hope to be generous with it, and cling loosely to it at the same time.  I know it was weeks ago now, but I'm putting into the category of things to think about if we really do want to buy this house.

The time crunch on the decision ins't really helping.  I have to pack to go to Europe for 5 weeks!!

I was raised down a country lane, without a neighborhood.  The only neighborhood I knew about was Mister Rogers'.  It didn't seem so confusing when I was a pre-schooler.

Tuesday, July 5, 2011

Oh Bother!!! or Adventures in Missing the Point.

As my favorite stuffed bear might say, "OH!! Bother".  

In lieu of foreclosing,  starting Friday, our landlords are short sale-ing ("short saling" the verb has not been invented yet) this house.  Since they are not paying for this house, they are kind enough to ask us not to pay rent, which is nice for now.

So, Friday.......  That is the day that folks will start tromping through my house.  Next Wednesday will be the day I leave to go to Europe for the rest of the summer to teach English (don't worry, my house will be occupied, by bouncers and armed leprechauns).

We recommended our realtor to our land lord, so now our realtor is selling our house for our land lord, while we are hoping to buy this house from our land lord/B of A.  He did short sale our other house without a hitch.  What is not recommendable about that?  Here's what:  Now, the person helping us find a house is selling our house.  He said we need to make an offer before we leave next week.  NEXT WEEK?  I'm busy next week.

I though, sure, great, whatever.  Really though, I am not sure I want to run our side of escrow from Europe.  I don't want the pressure of financing, and inspections, while I am away.

It seems before you do something big in your life, there are always distractions.  Your best girlfriend decides she HATES you the week before she stands up for you in your wedding.  Your dog gets expensively/mortally sick before a big trip.  Life is an adventure in missing the point.  I want to go teach English at camp for the next several weeks and not think for five minutes about the roof over my head.  Of course I have not been thinking of it much, but now that I am leaving for a LONG time, it seems pressing.

Real estate stinks.  Plain and simple from my perspective.  If this house we live in is still for sale when we get back, then we will make an offer.  I will be sad to miss an opportunity to live in this house for longer.  I also will wonder if I missed an opportunity at another place somewhere else.  There is no winning at the game during this state.  Prices will still go down in the next year, and we will wonder if we could have something better somewhere else.

Every time I go teach English abroad, I have come home a different and better person.  I am banking on that this year especially.  I am okay leaving, knowing I might not get to buy this house, as someone else might beat me to it.  It is uncomfortable, yes.  If you read this blog at all, you know I am getting better at letting myself be uncomfortable.  That feeling is not fatal, just difficult.  Mostly it requires fortitude and integrity.  I've got tons of those!

Friday, July 1, 2011

Extortion or Creative?


Unique fundraiser leaves youth group flush with cash

Emily Dyer, a 15 year-old Bear River High School sophomore, and her pink toilet, which she painted and decorated as part of an unusual fundraiser for starving children in Africa.
Emily Dyer, a 15 year-old Bear River High School sophomore, and her pink toilet, which she painted and decorated as part of an unusual fundraiser for starving children in Africa.
Extortion never looked this flamboyant.

A toilet, spray-painted pink and decorated with flowers, has recently been making the rounds in front yards across Nevada County.

Homeowners who find the porcelain throne stuck in their yard can choose to pay $10 to have the toilet removed to a friend's lawn, and an additional $5 to make sure it never appears on their property again.

The gimmick is the design of Bear River sophomore Emily Dyer, a 15-year-old south county resident.

She is participating in a hunger fundraiser sponsored by the youth group at her church, Sierra Presbyterian. She got the toilet from Habitat for Humanity and spray-painted it bright pink.

Dyer's father transports the toilet from location to location, and so far she's estimated the plan has raised more than $1,200 since they began in May.

Proceeds from the toilet removal service (victims can opt out if they don't want to play along) go to an organization called World Vision, which feeds starving children in Africa.

“Hopefully, we'll keep it going until the end of summer,” said Dyer.

Students in the youth group have been working on a hunger initiative recently, which included a 30-hour fast in order to better understand the effects of hunger, she said.

You can contact the church to find out how to help at

Tuesday, June 28, 2011

Blackmail and the Pink Toilet

My rental is in a 20 year old, fancy neighborhood.  It has HUGE custom homes, wide streets, perfect yards, pretty lamp posts, and we are the only family here, under 60 years old.  We have heard that the home owners association is strict.  I have lived in a neighborhood with a HOA before, and have been in trouble with one before.  I have been in all sorts of trouble, but not because I am devious or evil, just fiery, feisty and dyslexic (I write checks for the wrong amount or put change in the wrong parking meter).  I'll admit that what happen tried my patience and my mouth got away from me.  I am not blameless.

A teen-aged girl at my church has been fundraising for World Vision.  If you don't know what they do, you should find out, but mostly they feed kids around the world.  $1 feeds one kid, for one day.  I feel passionately about World Vision, and about my friend who is fundraising for them.  I love her!

She has raised $1200 so far, the local news paper is doing a story about her, and it has been in the nicest developments in our county, without incident

Here is her plan to earn money:  She purchased a toilet from the Habitat Restore.  She painted it hot pink and put flowers in the tank.  On the seat is a note explaining the project.  It says something like:  If you want the toilet out of your yard, make a check out to World Vision for $15.  Call the number on the lid, and tell us who you would like the toilet delivered to, and they will donate to World Vision, and so on, and so on, yard after yard!  Then it said,  (this is all in good fun, and if it is an inconvenience, we will come and get the toilet right now).



You know that toilet ended up in my yard.  You know my financially well-off, 20 years retired, neighbors weren't very happy.  As soon as the toilet was in my yard, I called the number, wrote a check and put it on the toilet seat in my yard, so everyone who looked, could see I was taking care of it.  I left the toilet in the yard, instead of hiding it in the garage, so that everyone could see it.  I was proud of my friend's creativity and caring.  I wanted to give everyone a chance to support hungry kids around the world.  I guess my faith in human kindness was a bit naive.   Anyway, I went on a long hike and returned about noon to my house.

There in the driveway was the president of the HOA.  I'll call her Lady A.  Her husband was in their high end car, with the engine still running.  Her friend was standing nearby.  Oh, no.....

We got out of the car and were as friendly as we are by nature, which is friendly.  Silas introduced us, again, and asked her name, again.  I observed she seemed upset, aloud.  She was shaking and nearly in tears (because of the toilet).  I asked her several question.
"Could you tell me more about what is going on?"  no real answer
"Could I tell you more about the fundraiser and what it is for?" no real answer, just very upset.

She had been called by several home owners in the development, complaining.  My plan was to ask her questions, until she deflated her own position, which was flimsy.

That was my plan.  What happened was I lost my patience, and my frontal lobes were unable to restrain my tongue.  Then, while I was listening to her fumble on, about the "eye sore", I saw red.

I went to the toilet, and picked up my check.  I held it up for Lady A to read, and pointed with my finger to the recipient of the check, World Vision.  I said, "Do you see who this check is made out to, by me?  That says World Vision.  World Vision feeds hungry children all over the world.  If you are the kind of person who is worried about this toilet being in my yard for a few hours, then you are a very shallow woman!"  I was back to seeing blues and greens, and there was Silas, with his mouth agape and his eyes wide, stepping back.  This woman is clearly my elder, and I should respect her enough to not serve her the honest truth with a fire poker, but I did.

For sure, she huffed off, saying I don't know her.  That is true.  I am hopeful that she is the most caring and generous woman who has lived, but her actions and words were telling me differently.  Maybe we caught her on a bad day?  We asked her not to leave, so that we could resolve it.  She had already called the number on the toilet to complain.

The mother of the sweet girl who is fundraising, told her she was coming to get the toilet, that we had nothing to do with it, and how could she make it right.  She was so nice.  Lady A told her some neighbors were going to call the police, as it was clearly blackmail.  I was hoping they would, to further the silliness of the whole event.   Lady A also said that donating to World Vision is something she might be interested in.

Later that day, I wrote her a letter to apologize for losing my temper.  I told her I felt compassion for her situation as a leader of folks complaining to her, and at the same time, the toilet was actually for a good cause.  I told her I was sad she went away mad, and that I want a friendly relationship with her.  I feel absolution for it, though I don't feel sorry I said, "shallow" to her.

Wouldn't it have been nice if to get rid of the toilet, instead of a lot of angry complaining, there were 20 checks for $15 in the toilet?  Do our worlds get smaller as we age?  I want to have world vision.


  • If you haven't thought of donating to World Vision before now, consider it.  You can help someone who needs it, a kid.  You also might broaden your scope!

Tuesday, June 7, 2011

Glorified Chicken Coop



This is the "real life" portion of this blog.

I would like to preface/blanket, whatever I say next with how much compassion I feel for those who are homeless.  People without a home are in profound trouble, physically, mentally and likely spiritually.  This makes me questions what is useful help.

I have been cooking in homeless shelters and eating with the folks, since I started college (decades ago).  In my experience, seldom do you meet a homeless person who would benefit from owning a glorified chicken coop.  There are so many legitimate wrongs with this idea, I won't bore you with the list.  What isn't wrong is the loving, creative hearts of the people who care for the marginalized.

The reasons are vast why someone is homeless.  I could explain it to you, but you already know why people are homeless.  If you don't, go volunteer at your local soup kitchen or homeless shelter, and sit down with anyone there and just listen to them.

Real estate.  These micro-structures on public property are not real estate.  This is a fundamental problem with being homeless.  I see a man and woman who park their camper at K-mart & Raley's, every-other night.  Not real estate, just real life.  Is 'real estate' just the space you are currently occupying?

These mini structures (though a childhood fantasy) are unsettling.  I am only one (maybe two) events away from the tragedy of being homeless and I am VERY secure.  My mind tells me to take shelter, and prepare for it.  My body and spirit obey.  Any one of those ingredients can vanish, because life is hard.  What is 'real' about where I live, can vanish as well.

That is the tragedy, not that people can live without a house, but without a home.

I can sit at my computer and pontificate about real estate and housing statistics, but this is another side of the story.  When I look at my reflection through this hometown news story, I feel cut down the middle.  I would rather use the $110 to buy the person a sandwich every day for a few weeks.

Sunday, June 5, 2011

Dream House

The 1st house we bought
Last night I was talking to a friend, who is in the middle of a housing mess, just a few skips behind us.  She  said something that made my imagination churn.  She wants to plan her life to her desires.  She is a reasonable and loving person, so her desire is to be able to pick her kids up, and drop them off at school every day (not world cruises and plastic surgery).  Her house has made it so that she isn't the mom she dreams and desires to be.  Her life is hard, because of home-ownership, and she is picturing her life the way she wants it.  It isn't selfish, in her case, it is selfless.


I wondered that for myself.  What do I want?  I have only been thinking how relieved I am to have found arsenic in the water, and not bought the house next to my parents.  (who by the way, tested their well water and it is all clear of rat poison, which I took as a favorable sign in our favor)  I realized last night, that without asking myself, "what do you really want?", I have no ambition.  I have no selfish ambition, and no selfless ambition.  I really am in denial.  


Part of getting out of the housing market was a step towards not letting my life, as much as possible, happen to me.  That is how we got into a mess partly,  in the first place.  Some of it was just bad timing, and some just blindly doing what we thought we were supposed to do.  Buy a house,  because that's 'what you do'.


On to my dream.  I would like to live in this house while my kids are growing and going to school.  I would like to clear a patch for a veggie garden, and bust a hole in every southerly facing room, so that light comes into the house from where the sun shines (it has been a long winter, and there are NO windows on the south side, it looks funny).  I would like this house to be ours, which means we would have to buy it, but I would like to buy it for a screamin' deal.  Those are my dreams, at the moment.


I think that is a good marriage of dreaming and denial.  

Tuesday, May 31, 2011

Homeownership

XKCD  I think this may be me.  I do love power drills!
Homeownership

Double-Dipping

In my last post I noted that there are some fundamental flaws with buying a house now.  The main one is our immediate comfort (which is short-sighted, I get it).  The second is that the housing market continues to plummet.   The value of homes continue to decline.

One reason to stay in our rental, even if it is being foreclosed on, is if we buy something now, it will continue to lose value.  It is true we are nearer the bottom of the trough than before we sold our other house, but there is no end in sight.  If we buy a house now, chances are the house will be worth 10% less by 2012.  If we buy a house for 200K, it is a loss of $20,000 (I babied you and did the math).  I know that loss is for the short-term, but wouldn't I rather buy that same house for 20K less next year? YES, yes I would!  We are sacrificing housing stability for value.

The way I look at housing and jobs have changed from the way I was raised.  My grandparents and parents all had nearly the same jobs and same houses for all of their adult lives, and certainly all of my life.  I have lived in 4 states, 6 houses, and my husband has had 3 jobs, and we are in our mid-30's (I have had the same job: 2 kids, but even they are growing, and then I'll get a paying job).   Instability is the new normal.  At first all the unsettledness was scary, but you can't really scare me now.  Holding on, when things are unsettled is hard, but not scary.

That brings me to the title of the blog: Double-Dipping.  When I think of this term, I see my 9 year old nephew devouring ranch dip with one carrot.  For some reason I don't think that is what the term means for real-estate.  The news today was bad for people who use their home value as a means of provision.  Prices are going down again, or double-dipping.  Values went down a few years again, and are going down more, which seems more like a steady decline, than dipping, to me, but I don't make up the terms.

The news is good for those of us holding on, and saving money by renting until our credit gets better, or we've saved the cash to buy a house in toto.  My savings account goes up, housing prices go down.  It might not be as long as you might think if things keep going the way they are going.

Sunday, May 29, 2011

Arsenic and a New Place

The story continues.  We did find a house that would be good for our family.  
Good enough. 

There are several fundamental problems with looking for a house, for us.  The main one is, the house we live in is huge, well kept, right in town, beautiful and cheap.  If we look at other houses, I just want to stay here.  It isn't an option to stay here, so mostly I'm in denial that we need to move. 

I HATE MOVING.  

Moving here, we knew we would have to move, so again, I am in denial. 
We made an offer on the good-enough-house.  It has a beautiful perennial garden, roses, clematis and daphne. It has enough room for us, a wood stove, a 2 car garage, a studio/office/workshop and is next door to my parents.  Those are all reasons to move there.  

Here are the reasons not to move there, some are very superficial, but humor me:  
  • The neighbors (besides my parents) have big problems, which require visits from the sheriff. 
  • The inside requires, in my opinion, updating.  There is gross carpet, and patches of wood flooring.
  • There are only 2 bedrooms, and we have 2 kids, who are different genders, so we were going to have to put in a wall in the super-large second bedroom.
  • The architecture isn't ideal.  It is 80's Creative, or that is my name for the style.
  • Finally, there is arsenic in the water.
Some of the concessions we were making by moving/buying this house, we could live with.  Updating a house is just uncomfortable for a while, then it is over.  The inside of a house is where we live, and the outside was not terrible, just 'unique'.  We have lived in neighborhoods where the authorities visited often, and we were safe, and were happy.

The last inspection we had was the well inspection.  Of course it was the last one, after paying for all the others.  The poison in the well was a deal-breaker.  There are expensive filters we can install, and then every-other year we can spend a mortgage payment to have the filter cleaned.  I decided I didn't want to lay in bed at night wondering if my expensive filter was actually cleaning the water, and my 8 year old's bath wasn't full of rat poison/remnants from the Gold Rush.

We canceled escrow last Monday.  The only loss was the cash we spent on inspections.  It is a tiny loss, and after short-selling our other house, the magnitude of loss is irrelevant.  Escrow is like kissing a girl to see if you like her, you don't have to marry her.  
Also, escrow has nothing to do with crows.

*On a tangent, if you have never seen Arsenic and Old Lace, you should.  It is one of my favorite comedies.

Tuesday, April 26, 2011

Definition of Insanity


Insanity: doing the same thing over and over again and expecting different results.
Albert Einstein


I think I might be crazy.  The heart/pocket book ache of last year, and selling our house still smarts.  Who in their right mind would willingly walk into another situation again?  Committed again to a house?  Silas would.   That is Silas' hand signing his name, with a date!

We have to move, it's the whole truth.  We can fudge the 'when' of moving, but we have to do it.  We decided that we would keep a tentative-eye on what is for sale.  Last week we found a modest house, at a modest price.  

It has a shop and an office for Silas' small business.  I would want nicer flooring, and appliances, but the price is right, that isn't such an issue.  The real selling point is the location.  The three acres touch the land that I grew up on.  My parents are a simple walk through the trees, past an orchard.  What a fun childhood, running over to grandma's.

There are many things that might not work out.  We only made an offer.  There might be termites, there might be bad water.  If those are problems, we can stay in house in purgatory.  The pool sure helps!

Tuesday, February 8, 2011

Ideas for "Easy" Moving

It has been a solid year since I called the mortgage company and turned off the auto-mortgage-payment.  It was one of the hardest/bravest things I have done.  It was hard for me to openly choose to do something that others could judge (blogging about it didn't help there, but it set me free in another way).  I like to choose to do anti-social things that people can't see me do.  A year of water under the bridge, and I can look back to see that the time that part of the story took during my life was transformative, and very brief.  

As with the social consequences of defaulting on a loan, renting also has a downside: instability.  

It seems that financial strain is fine for a while, but terrible over a long period, which is why I understand that our landlords want to be done owning this house.  It also means that we have to move or find a way to buy this house.  I hate moving, have I said that?  Not that I was getting too comfortable here, or haven't moved 7 times as an adult already.



My attempt at enjoying a space, even for a short time.
Here are some ideas I had, as I look at my stuff and think about putting it back into the boxes:

Buy a new fridge when we get where we are going.
Sell all our things on ebay months in advance.
Don't get too comfortable.
Pull our guitars, computers, children and pets to the curb, and start a house fire (not suggested).
Pay for weekly garbage service, and throw most of our old stuff that won't sell on ebay away.
Don't be sentimental: Take some time to consolidate the 5 trunks of memorabilia my husband's mother saved from his childhood.
Don't keep junk: Throw or give away the threadbare towels we got as wedding gifts 15 years ago.
Donate the ice cream scooper to the Hospice Thrift.  Who needs one of those, I already have a spoon.

Thursday, February 3, 2011

Renting Real Estate

Making a house a home celebrating Christmas.
Real estate prices continue to drop in our area, as our savings continues to rise.  It turns out, not paying for an expensive house means you can save a bit more than before.  We have been able to save enough for a down on another house (yes that is how high our mortgage was), if we were to be so brave and a bank would loan us the rest (which they wont).  We are hesitant about any change.  Renting feels just right, until the landlord calls.
Celebrating the birth of my niece.
She asked if we were hoping to rent beyond the year that we had leased the house.  It is fine with us to rent this house beyond our lease, it is a comfy place.  As with most things, her question was about something more.  She wanted us to know that they are tired of paying a high mortgage for the house we live in, and the house where they live.  They are hoping to not have both houses.  This means we have a few options, mainly that we will have to move, unless we can figure out how to buy this house.   We moved here thinking only to stay 12 months.  I have been thinking of it as an amazingly comfortable and big hotel room.
Depending on what happens, we will have to move in the summer or we will have to think about buying this house (for the perfect price, of course).
No matter what, I'm going through my kid's closets to get out the small clothes, and de-cluttering.
I'm going to continue blogging, as clearly the story isn't over.  My thinking that the story is over is not accepting how much where we live affects our life.