I might be broke tomorrow UPDATE

iVillage Member
Registered: 11-22-2006
I might be broke tomorrow UPDATE
83
Sun, 07-13-2008 - 8:01pm
OK girls I did it! I put in the offer. It is a lot of money and the difficulty is that as it stands I would have some savings left but only about 4 months salary and then IRAS and that is with my Dad's help which I am going to take him up on. I feel slightly vulnerable taking help from him. It has been literally 15 years since I asked him for money for anything so it feels weird but he is being very insistent and wants me to have a safety net.
I guess I will have a response to the offer tomorrow at some point although I dont know - sometimes it takes longer? I know she was calling the realtor as I left the house to let him know I had submitted the offer but I dont know that he was around to receive it. Anyhow, if he wants to go up any more I will be dipping into those savings. Not sure how I feel about that but I know it makes me feel shaky.
Luckliy the mortgage is only 500 more than rent and that is actually just fine with us. We have been renting for 3 years in this 2 bedroom in a very expensive part of town so thats why there isnt much difference. It isnt like we are going twice as much which is what I did when I bought my first house after renting a one bedroom for a few years. So we will still be able to save a few thousand at least every month to replenish savings or to help fix up each month. I have thought about that and think we will be fine as long as we are careful. Also I cranked the numbers and I could actually buy and afford the house on my own even if something happened to SYB and I. and I dont even like writing it so you can imagine how it felt to think it through.
The two other houses I saw were nothing to sniff at compared to this one but mostly that is about style. They all need some work I guess and it is clear I am going to paying about the price I am offering to get the space I need in the neighborhood I like along with getting it livable and planning reno down the road. I just loved the period built ins etc in the one I made the offer for. It just made me feel good and I honestly think it reminds me of Paris or Europe and I did live there five years so that makes sense. I also thought today long and hard about the fact that when I bought my second home years ago after the separation/divorce I bought in a lesser neighborhood to save money and it was a new townhome in a community, very plain and simple. The house was safe and solid but it did nothing for me spiritually. And since I work at home I think that is an issue for me. I moved to the city partially because I need more action around me and stimulation. It helps me work and feel good. So I think the house has to have these things about it too and the one I bid on tonight does so that is great.
And I figure if this one doesnt work out, at least I am getting more and more a sense of what I want and need!
So - sorry to drag this on but throw more good wishes my way. I need every single one of them and I have a feeling tomorrow might be a big day over here!
Lilypie - Personal picture

Pages

iVillage Member
Registered: 11-22-2006
Mon, 07-14-2008 - 10:56pm
Ok everyone just a quick update to say I am losing my mind and have no idea what is up with the offer because I have heard nothing all day. I got a call late morning from my agent saying the sellers agent was in receipt of the offer and was showing it to his client today or tonight. Other than that I have nothing. I was pretty proud of myself for not emailing or calling my agent at all today. I just let things ride and did stuff on my own but now I am going a bit stir crazy. I hope he doesnt just ignore my offer and say nothing back. That would be bad. I am hoping there is still chance for negotiation even though I dont think we can go up much. I would like to try and reach an agreement. maybe this is their way of weakening me,,,,lol
My agent is a very tough gay woman who doesnt show a soft side much. When we were seeing the property for the second time we were in the basement and this enormous alarm went off and scared the sh** out of me and she happened to be standing right next to me - I dont know why but I instinctively clung to her and ever since she has been nice to me. It was both funny and a bit embarrassing. I got this funny bemused look from SYB like "what are you doing?" but in British.....anyhow, I spent some time talking to her yesterday before signing the stuff and we kind of bonded a bit. I still avoided hounding her at all today but then at about 9:30 I started getting sorry for myself and wanted to call her but instead I just texted her a frowny since that was all there was to say really,lol. Yes, you read that right. She sent back a text laughing and saying she hadnt heard anything and would call me.
And that is all there is to say at this point.
Again, I wish I could drink but as you all know I have trouble drinking and that would make me get a migraine. So I am stuck with myself. And SYB is without phone service.
Luckily DS is home so he and I can keep ourselves busy tomorrow. Poor DS will have to deal with stressed out impatient little me. LOL
Lilypie - Personal picture
iVillage Member
Registered: 11-22-2006
Mon, 07-14-2008 - 11:01pm
OMG I am replying to myself now. I just read my own message to put myself in check. Man do I sound ridiculous or what? What is wrong with me! I only signed the papers yesterday evening. I am clearly losing my mind.....sorry for ranting gals, just having trouble with general coping I guess:(
Lilypie - Personal picture
iVillage Member
Registered: 10-07-2005
Mon, 07-14-2008 - 11:15pm
LOl- I'm not patient either! I would be pacing the floor!



Photobucket
iVillage Member
Registered: 10-07-2005
Mon, 07-14-2008 - 11:20pm

LOL! You're too cute! You'll have to document this for prosperity: how City lost her marbles waiting for the house offer to be ok'd!

Then when you're sitting around in 10 yrs you can tell this story while everyone's sitting around the table :P




Photobucket
iVillage Member
Registered: 11-03-2003
Mon, 07-14-2008 - 11:28pm

I hope he doesnt just ignore my offer and say nothing back.


In Texas, there is always a paragraph somewhere saying how long the seller has to respond to the bid.

iVillage Member
Registered: 11-22-2006
Mon, 07-14-2008 - 11:44pm
You know I think the thing in DC says 14 days but nobody actually takes that long. It's my fault for falling for a house owned by an eccentric. I might never hear back.
I just spoke to SYB on ichat so that helped a bit although it would be nicer to hear his voice. He laughed when I told him I texted the agent a frowny as my only communication tonight. I miss him. He is more centered and calm in situations like these.
I dont think there are any other offers on the table but I know that at least in MD they are allowed to take multiple bids and even wait for them to come in to create a bidding war. I highly doubt that is going on now unless they sought out the couple that was offering the bid he refused a few weeks ago. I would be pretty pissed if I found that out I have to say!! But I doubt that is what is going on. What is PROBABLY going on is that I am just stir crazy and impatient. I am frustrated with myself now!
I have more work tomorrow going on so at least I will keep busy with DS and teaching/practice.
Thanks for reading the rants!!
Lilypie - Personal picture
iVillage Member
Registered: 11-22-2006
Mon, 07-14-2008 - 11:46pm
Oh they'll be talk.....I see many holidays with family where I bi*** about how I was left all alone to close this deal all the while knowing I am the worst candidate of any of us to do so. They are all giggling at me right now already since they are all checking in by email and I am slowly but surely unraveling!
Hopefully if I stay active tomorrow it will be a bit better!
Lilypie - Personal picture
iVillage Member
Registered: 10-07-2005
Tue, 07-15-2008 - 12:02am

LOL! They won't be laughing when they find you twitching on the floor and muttering to yourself in the morning!




Photobucket
iVillage Member
Registered: 11-22-2006
Tue, 07-15-2008 - 12:07am
LOL. I forgot to mention that DS was here asking a million questions when I lost my patience and texted the frowny. I was in the middle of "NO, I havent heard anything"
"um, I am not sure he has read the offer yet"
"no it doesnt mean anything"
"sure I am wondering by now"
"yes, I am sure she would call us if she had news"
and I finally was just like "yea, you're right. this is too hard. I think I will text her a frowny to let her know we are sad and going to bed" He literally tackled me saying it was inappropriate (HA!) and I tickled him off and pressed send. So I think we are already brinking on crazy around here even if it is fun crazy so far.
BTW I think our boys might hit it off from everything you write.....both of them pistols.
Lilypie - Personal picture
iVillage Member
Registered: 10-07-2005
Tue, 07-15-2008 - 12:11am

LMAO! That's HILARIOUS!!! Mine would've been hitting the send button on that one though!

Amazing how they can just get our silly out of us, hey? Nicolas and I just crack ourselves UP sometimes! We have sooo much fun and friends who know ME are like, "yeah, he's SOOOO much like YOU!" LOL!




Photobucket

Pages