Boredom la-dee-dah... TOOMUCHTODO!!

So life was trucking along on a relatively even pace when it was suddenly stunned by everything happening at once. (Thus, of course, I blog. *heh*)

**************

Nicholas arrives tomorrow and will be around until Tuesday, I think. This is a very good thing. We have many ideas but no plans, which is typically how everyone around here likes things. He is bringing our kayak and some paddles, but we have nowhere to store it and no roof rack to actually get it to water. We're hoping to replicate Steve's "hang it from the garage rafters" scenario for storage. Of course we got a car that doesn't come with roof rack as an option, so we'll have to dig up the cash for a custom fitted one. We'll see how all that goes.

**************

I ended my last class with a 98.23%. It's sufficient. *heh* Started a new one this week on "Children, Family, and Community", and it seems to be ok... though repeating a lot of stuff we've already had, and not to much more depth than the first time. But we'll see. It's an instructor I haven't had, and she seems to be rather hands-off right now. It's her first term teaching for Walden, though she's taught many years in a community college. I wish I was more optimistic.

**************

We are going through the Anglican class, which ends in Adult Confirmation. In order to be confirmed, you have to have first been baptized. There has been a family story that said when I was an infant, a Catholic family member got permission and a vial of Holy water and baptized me in the kitchen sink, since there was doubt about my continuing existence. My parents (being of the 'baptizing is for adults' vein) taught me that it didn't really count. They also taught me that communion was acceptable to take when I was old enough to understand it. In the church we currently attend, they accept infant baptisms and require baptism for taking of communion. I've been content with that thus far. However, because the Confirmation is a rite with the Bishop that requires having been baptized, and I was becoming more and more uneasy about not knowing for sure, I called the family member related to the story. Who has no recollection whatsoever and after lengthy discussion it was all agreed that even if it had, the situation 32 years ago would not have warranted the church having any record of it.

The moral of the story is that next Saturday we will be Dave Ramsey "Sell so much stuff the kids think they're next"ing at Wescott from 7am to 10:45, leaving the table to Jen and running to church for the 11:00 Confirmation rehearsal, running back to Wescott to clean up by 1:00, running home to meet my parents who are driving in from Charlotte, hitting the road for Seabrook by 2:00, and by 4:00 I will be immersed for Baptism in the Atlantic Ocean. Then Sunday morning Lanse and I will be confirmed.

Anyone who wants to come is welcome, but let us know because Seabrook is gated and we'll need to call in a pass for you.

**************

Adoption homestudy update! Which adds a trip to Columbia to the list of things to do in the next two weeks.

**************

We also needed to have physicals redone for the homestudy. I called and made the appointment Tuesday morning, went to bed Tuesday night with a sore throat, woke with a fever, and went to the appointment Thursday feeling horrid. Still feel horrid. I'm going out this morning (when I stop typing) to get my medications.

**************

Things to do by next Saturday:

• Pick up meds and med equipment (need a mask for the nebulizer)
• Get better
• Finish up stuff to sell at the sale
• Wrap up last month's budget info and complete this month's (which already started)
• Write two papers by Sunday night
• Clean the house for Nick (which is a disaster because of crafting stuff for the sale)
• Get groceries (we're out of everything)
• Bake bread (see previous)
• Do stuff with Nick
• Purchase and install kayak storage system
  
• Possible going away party for a friend tomorrow night
• Church
• Tuesday night class
• Meet with Doug about the baptism
• Do Week 2 homework (readings, discussion posts x3, 2 papers)
• Clean the house for my parents
• Host my parents
  
• Travel to Columbia for homestudy stuff?
• Survive through next weekends' schedule
• NOT PANIC

That is all.

Paradigm Shift

Every time I think of the word 'paradigm' I relive the Salad Years skit from my Wheaton days. Salad Years was the student TV show, and one skit was two people imitating the Sesame Street two-headed monster doing a compound word thing. They did 'paradigm', except instead of 'para-dime' they said 'para-diggum'. It was amusing. I think you had to be there.

("para"...."diggum"...."para"...."diggum"...."PARADIGGUM!" "hey, there goes my dignity!")

Looovely.

And also very off-track.

Anyway, yesterday morning the phone woke me up, which is never a good way to start any day. But the weather was nice, and aside from being groggy I was mostly pleasant. The phone call was Frances from the mortgage company calling to verify when would be a good time to schedule closing on our refinance. She said she was spending the day filling out the forms for us and we'd probably close Thursday (today) or Friday afternoon. This was about... 9:30. OK, great, we've been waiting for a closing date for a month now. Fantastic!

I go about the morning, doing my morning things, and get ready to settle into schoolwork after lunch. The phone rings, and Frances tells me that not only can we not close on the refinance, but our home didn't even qualify for that loan in the first place. The loan officer was supposed to have checked our property values in their database, which apparently he didn't; so the only way we could continue is if we have a minimum of 10K out of pocket to bring with us. So not cool. So the refinance is cancelled, we're trying to see if we can get our non-refundable application fee (minus the assessment cost) back because the guy should have known we couldn't apply for it. We haven't heard back yet.

While I was finishing up on the phone with Frances (and trying not to throw my phone through the screen on the porch) our adoption case worker beeped in. She called back when I was off the phone, just to tell us that the homestudy she promised would be done by either last or this Friday hadn't been started yet. I'm not upset, there's good reasons, but I'm disappointed. Check the adoption blog for more details on that call.

So. Two upsetting and potentially life-changing things; but really it was a matter that in both cases we'd spent the last weeks or months anticipating a more comfortable and responsible moving-forward kind of life. I spent the rest of the day making calls and rearranging our financial goals and realigning my mental concepts of the near future. And relaying this all to Lanse, who was none-too-pleased as I was but processes things differently. It was an... interesting... rest of the day. Aside from a discussion reply or two, schoolwork wasn't part of it. But Lanse allowed an attack of Demon Housekeeper and stress-cleaned the main living areas and our bedroom, a quality of his in which I am very pleased. I just wish stress didn't have to be the trigger.

Some positive things happened though too. I wrapped up loose ends on the property tax snafu, and we actually can pay our mortgage and live off our income "comfortably" (in quotes, because we personally don't need much to feel comfortable; others would find our budget restrictive) and I finally got our March-April budget sorted out. We don't need the refinance to afford the house, and that's a huge sigh of relief.

That said, a little bit extra would be a great thing so we can start paying down some loans, so I'm wanting to put a little more focus in the concept of an Etsy shop with my quilting and jewelry stuff. I'm hoping to get the beading ladies at the game store to teach me some cool stuff that I can sell or give with Christmas in mind. Christmas took a big chunk out of our December budget last year, so anything I can do ahead would be good.

And then there's always schoolwork. Sigh. I suppose I should get to it.

Catching up... again

I seem to be taking long breaks in blogging now. (Long being, ya know, a few days... which some consider normal...) Anyway. That happens when I get so stressed out that depression slugs me upside the head, and I bury myself in some computer game (thanks Sarah) and convince myself that it's acceptable because there's Real People there! It's a social life.... right? RIGHT?? Ya, right.

Anyway, the financial problems of yesterweek have been mostly resolved. The property tax form was filed, though we haven't heard back yet. We received our home refinancing packet, I read every single word and wrote down questions, played phone tag, got my questions answered, and put it in the mail. Sallie Mae approved my new school loan even though I didn't finish my FAFSA (apparently the FAFSA is for the new loans in June, and I needed to just renew with Sallie for Spring Term.) FAFSA's waiting on our tax return. Our taxes are nearly done, but we have to wait for the revised property tax form. We made it to the end of our budget cycle without starving. (Well, we did let ourselves get really hungry, Dave would be mad, but only because we had $24 left in grocery for the final two days and didn't want to risk running over if we went to the store.) We realized that between our brick-and-mortar bank and ING we were getting confused and needed all our records in one place, so I spent yesterday uploading everything into Quicken online. Now we can see all our money, which is very nice, but the budget function on Quicken is quite incompatible with the way in which I budget, not to mention that we budget from the 15th and not the 1st because the mortgage takes most of the 1sts paycheck, so it's not transferring budgetary numbers properly for me. Gads, I'm such the nerd.

Other than that, school term's almost done. This is the last week of Winter term, and I have one short paper to write and a short list of web resources to submit by Sunday night. I'm still pulling a 4.0, but this CD class has been a pain in the behind due to the instructor's lack of presence. Then we have next week off. Yay! So if I finished homework today I could have a week and a half off! (I probably won't.) The following Monday starts Spring term and a course on Childhood Health and Safety, along with its Making Connections "lab" class. Rootin'-tootin' fun, lemme tell ya.

Spook has finished his meds and is acting much better, which is a huge relief. This was liquid amoxycilin, which I can't spell, but it meant as soon as Lanse squirted it in his mouth, Spook could spit and spray and shake and splatter everything within ten feet with it. While Lanse claims that pilling a cat is harder than this, it's certainly less messy. I'm glad that's done with.

Next Friday morning we have our Fire inspection and then I head off to our church's Women's Retreat at Camp St. Christopher on the beach. The weekend after that Lanse and I go to Woodlands for our anniversary weekend (which isn't until the end of May but we could get a good deal now because it's off season). So, school vacation + women's retreat + 10th anniversary bed & breakfast... sounds like I'm lined up for some relaxation and refocusing! The timing's definitely good. Also, maybe, all depends, the last chance for some time if God works the adoption stuff quickly.

Finally, I'm working with our clergy to develop an adoption resource for our church, since a lot of members have adopted or are currently or are somehow otherwise related to it. "We" is pretty much all me for the moment as I organize some resources. Now if only people would get back to me...

The last five days

Over the weekend we had some fun social times, as well as annoying homework times, and some migraine headache times. Also, while all the cats had been sleepy and sluggish during the cold snap, Spook decided to stay that way when it got warm again. Then he started limping. Anyway. Over all, we had no idea what was in store for us this week.

I'd scheduled to do some work at church on Monday morning, and I had to go at least to take back something I'd forgotten to take on Sunday. When I woke up we noticed that Spook was really not doing well, so we scheduled a vet appointment for 10:15; I poured coffee in my travel mug, drove to church, got distracted on a project, frantically drove home and got the cat and drove to the vet late, where we sat for an hour to get a diagnosis of a UTI and some medication and give them more money we didn't have.

Got home around noon having not eaten yet, sugar crashed, ate, napped, then zoned out playing stupid games for a while (thanks, Sarah!). Wasted the day, knowing that Tuesday was specially reserved for 1) homework and 2) quick budget transition for March.

Tuesday laughed in my face. Har de har. I decided to do the quick budget stuff and settle in. Found one tiny discrepancy, grabbed the stack of papers in filing to find one form. Found another form.

This would be the form that somehow went to the filing stack that said, "Oh, by the way, your property taxes have increased from 660 to 2947 and you either owe Escrow 2500 by March 1 or we're raising your monthly payments by 500."

Panic ensued, then a half hour phone call with the current mortgage people, and then a 2 hour call to refinance the house. Joy. Suffice it to say, I didn't get any homework done yesterday.

This morning, a meeting at church for VBS planning and a good long talk with my friend Cathy. Vented, prayed, cried. Got home, talked to my dad who calmed me down and told me to call our cousin-realtor who helped us buy the house. He told us what we forgot to do a year ago, (file a form that came with our closing papers) so we downloaded a form to take to the tax assessor's and hopefully they'll move us back into the 4% range instead of the 6% which should cut it back down by at least 1500. I'm nervous about the little clause that says if we didn't file within their time frame we forfeit the right to file, so that's our prayer right now. That they'll let us file and recalculate our taxes.

In the end I know it'll be okay; once we finish the refinance (if the house assesses where we need it to) the monthly payment will be back in the safe zone even if we can't get the tax office to change the percentage. If we do get it changed and get the refinance as well, we're golden.

So we'll be a bit crunched for the next couple months until the refinance closing, moreso than we were before. But we'll make it. Money's really freaking annoying.

And now that I've shared all of this, I really should finish the homework due tonight.