Breathing space
It’s now a week since my bat mitzvah crunch, and I’m blowing off synagogue tonight and relaxing. I worked all week, so the relaxing has to come about now. Especially since I had company until Monday morning.
The other big thing that was going on in my life was my exploration into homeowning. I’ve been looking at condos and townhouses in the area, and found one condo complex in particular that I absolutely love. So I went the pre-qualification route, and learned that I am prequalified by two banks (four, if you count Lending Tree) for the amount of the mortgage I’d need. The problem, however, is that I’m still paying down debt accrued from four years of under-and unemployment. (I wish I could say I had all kinds of neat things to show for it, but I don’t. I used the credit cards for things like paying the rent and the bills.) I don’t have an emergency fund, also due to the unemployment and underemployment. (REALLY longtime readers will remember that I started this blog on the heels of being laid off from my second programming job in six months when the tech bubble burst in 2001.)
I have been climbing steadily upward financially since the days when I was working three jobs, seven days a week. The past two years in particular have been good for me financially and jobwise. I now have a terrific job at Company in Northern VA, where I commute on Mondays and telecommute the rest of the week. Between this job, and the jobs I had the previous year, I have paid down over half my debt, and am steadily working my way towards solvency. I figure in about another eight months, I will be completely in the black, and able to start saving for that new home. Because I decided that I can’t buy a condo just yet. If I lost my job, or something happened requiring a large influx of cash, I’d be stuck. And at this stage of the game, I can’t afford bankruptcy. It takes seven years to recover financially from defaulting on a loan. I’d never own a home if something happened. Plus, I’m starting to like actually having money again.
The good news is, I feel really good about not buying a home this year. I just paid off one of the last of my credit card debts. I owe a bunch of money on two specific cards, and since I got really good at playing revolving balances between cards, my combined interest rates are about four and a half percent between the two cards.
So now I can start enjoying the fact that I’m earning a little extra money, and treat myself once in a while. I’m planning on buying that big-screen TV this month, as a birthday present to myself. I wanted the Samsung 42-inch DLP, but it’s not available any longer. I have to go up to the 50 inch. Bummer. Well, I’ll survive. Plus, I have at least $150 in Circuit City gift cards to spend via my rewards cards.
Any suggestions on speaker system to go with the TV? I want it to be good, but it doesn’t have to be great.
I am very much looking forward to sitting in The Chair That Swallows You Whole, watching Heroes on my brand-new big-screen HDTV. It won’t be as good as it would be in my own home, but that will come. I am undergoing a Meryl Renaissance. I am becoming the woman I used to be before I lost my job, with the state of mind I used to have, and with another six years of experience and wisdom.
And you know, for someone who’s turning fifty in less than a week, I don’t look half-bad, either. Maybe I’ll put up a bat mitzvah picture. I’ll have to get everyone to email them to me, of course. I was too busy enjoying myself to take any pictures.
Life is good right now.
