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...as I was saying (long)

December 13th, 2012 at 12:50 pm

Well, this is the first post in about 5 months. My entry title is a take off on Jack Paar's first words when he came back to his Tonight show after a big long kerfluffle.

Anyway, what happened was not a mere storm to my routine it was a fiscal hurricane (apologies to those still coming back from ss Sandy). It was all self induced. Pull up a chair and let me tell you about it.

First of all, no more DH. Actually, just to be clear, DH was more a DP (partner). We never got married, but we were together for over 20 years. I fudged the legal aspects of the relationship to provide myself a hair more anonymity. And now, it matters little except for the fact that no marriage, no divorce.

I had been dissatisfied in our relationship for some time, but something good usually happened that I could go on for a little longer. Last July though, I just looked around and saw that DH (okay, DP) was not going to change and I was damned, if I continued, that I was going to spend my next 30 years picking up after him. I blew...for me I blew, and then while I snapped back I snapped back into a different place ... a different realization.

We broke up, but we did go to Argentina together. I did give him the option to not go (he took out trip insurance), but told him that we all did want him to come. I can't say what he thought about the whole thing. I know that strangely enough, it took the heat off of me. If he did something cringe worthy, I didn't think of it as a reflection on our relationship because there now wasn't one.

Next day after I snapped, I went to my credit union in search of a home loan. Which, if you look at my net worth, was easy to get. I had 20% and could qualify pretty easy for a 3% 15 yr fixed. Next I thought hard about what I really really wanted. I thought, wouldn't it be nice to have a real yard? Yeah, I suppose, but really yard work only appealed to me once in awhile, while plants in the yard grew relentlessly. And if I waited for Seattle home prices to turn reasonable, well I'd still be spending 30 yrs waiting for that. Plus, if I truly wanted to do yard work for a couple of weeks, I could fly out, spend some time with sister at the farmette, help her with the garden and weeding, and since I co-own the farmette, well, it helps me also.

After a bit of searching, I found probably one of the last sweet condo deals in Seattle, out in Lake City/Cedar Park, out at the northeast edge of Seattle. And yet the bus commute was 20 minutes shorter than what I'm used to (buses here are express, and I'm on the last stop before downtown), and the neighborhood itself sports a +90 walkability score. So I now am a proud condo owner.

With it, well I'm still spending money right and left. However, I'm buying quality and getting exactly what I want. New carpet, but carpet tile instead of wall to wall shag; new paint, but high end paint which means I can get away with 1/2 coats, only buying 1 gallon and taking only 1/2 sessions to paint a room. V.I. (kitty) has moved in with me and seems to have settled in well. Of course that litter genie could have helped much.

I can't rightly say that I'm saving money yet, but I am saving my sanity, resetting my routine, making new friends (I'm now closer to Spondilucks, who invited me to her New Year's party).

More to come, but as it is, while life is different, it is nicer for me than before.

28 Responses to “...as I was saying (long)”

  1. CB in the City Says:

    Wow, wow and wow! I noticed you were MIA. Congratulations on the condo and on moving forward with your life in a positive way!

  2. Ima saver Says:

    Welcome back!

  3. SecretarySaving Says:

    I am glad to hear you are in a good place.

  4. MonkeyMama Says:

    Wow - you were VERY busy. Is real estate creeping back up where you are? It is skyrocketing here, all of a sudden. Maybe you got in the best time you could have.

    "while life is different, it is nicer for me than before" - Well, I think that is awesome!

  5. librarylady Says:

    I've really missed your blog. You are one of my favorites. So, welcome back!
    And Congratulations on your new life.

  6. librarylady Says:

    By the way, does anyone know what has happened to Retire@50? I miss her too.

  7. mjrube94 Says:

    Wow, that's a lot going on! Seems like you have your act together. Good luck in the new home!

  8. Petunia 100 Says:

    I've been wondering about you. How exciting to be starting a fresh new life in a new home. You seem very happy with the decision, so it must have been the right one. Best wishes. Smile
    @LibraryLady, I've been wondering about Retire@50 too.

  9. FrugalTexan75 Says:

    It's so good to hear from you! It sounds like you've taken charge of your life and made it more like what you really want it to be.

  10. Firstofmanysteps Says:

    Good to see you back and in a better place.

  11. My English Castle Says:

    Glad you're back, Baselle. It sounds like you're in a good place--or on your way to one!

  12. Thrifty Ray Says:

    Welcome back. It sounds like your are putting quite a nice new twist to your life in place!! It is good to hear from you!

  13. dmontngrey Says:

    Oh my goodness! Quite the changes. So happy to hear you're HAPPY.

  14. Shiela Says:

    WOW! Big change.
    I've been wondering about you and your trip.
    Been missing your daily blog especially about finding money and the stock market/investing.
    Glad you are back and in better place than before.

  15. twest Says:

    Glad you are back. I have been missing your blog. Glad things are going beeter for you.

  16. LuckyRobin Says:

    I was wondering what had happened to you. I hope this will be a good new chapter of your life.

  17. ceejay74 Says:

    Phew! And no wonder you weren't blogging! And welcome back!

  18. CB in the City Says:

    Last I knew Retire@50 was simply taking a break from blogging.

  19. pretty cheap jewelry Says:

    mentor a girl somehow, ie Big Sister, or at school or somewhere. You're a role model in standing up for yourself.

  20. baselle Says:

    Thank you all for the best wishes! I am still finding money - at last count as of 7/14/2012, I've found 37.06. And I am adding to my TGT stock position, holding off on everybody else. (The second avenue downtown Target is going gangbusters.)

    I think what is happening in the Seattle RE market (probably the same in CA) is that the supply is totally constricted. Either its great and prices are high, or its a teardown or a short sale. Even this summer it was tight if you weren't looking at a short sale - I suspect that the deal with what I got was that most people saw the aging carpet, the old kitchen (everything looks mid80s) with no dishwasher, and a relatively high average HOA. Turned enough other buyers away, and aged the listing just enough so that there were no fights and bidding wars.

    Right now I'm debating about being on the condo board for next year. Could be a new fun set of posts. Big Grin
    Oh yes, and its still on for Death Bet of 2013!

  21. patientsaver Says:

    Wow, I had no idea. But you sound like you're in a good place, level-headed about it all, too. Sometimes a girl's gotta take life by the horns.

    I'm glad you're doing well.Congrats on the condo. I would like to sell my house and get a condo as well, but it will be an uphill battle just getting the house ready for market. don't even want to go there yet.

  22. MonkeyMama Says:

    Yes, the cash buyers rule in the California market - I hear it is mostly impossible to buy otherwise. (Especially true in San Francisco - I have a friend who is trying to buy a condo there because the market conditions are favorable as they ever have been, otherwise. Instead of bidding wars of yester years, now it is who can pay cash - cash wins - plenty of people seem to have it).

    The only reason we were not eaten up alive in bidding wars when we bought both our homes is we lucked into the "less desirable." What is interesting is we bought both our home move-in ready/updated to the brink. "Less desireable" has only meant less advertising/terrible selling agents, for us. Anyway, sounds like you lucked into something in a very trying market!

  23. Looking Forward Says:

    Good for you! Things sound much more fresh and positive. Glad you're back to tell us. Smile

  24. Analise Says:

    I missed your blog, too. Glad to hear you are doing well despite the changes in your life and congrats on the purchase of your new home. You sound happy and grounded.

  25. Katwoman Says:

    Wow! I'm glad you moved on and even bought a condo! Couldn't for the life of me figure out why you were renting. After you clarified the relationship - it all makes sense now.

  26. creditcardfree Says:

    Congrats on all the new in your life! I, too, did notice your absence. Looking forward to hearing more from you. We moved this summer too and there are more expenses that one thinks. I'm still holding off on buying some new furniture until I get that truck loan paid off!

  27. Petunia in a Flower Garden Says:

    Good to see you again!

  28. scfr Says:

    Oh wow, baselle, lots of changes. They sound like positive ones. Good to see you again.

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