Showing posts with label house hunting. Show all posts
Showing posts with label house hunting. Show all posts

Tuesday, July 29, 2008

not wise to buy home now- (letter to jimmy)

Hi sweetie- Its important that you read this now. so I am sending it. Please read this today if you can fit it in, before things get busy or during a short break. This is highly important to me and with the stress we've been under lately- it is likely to continue to rise or build into higher tension if not resolved and that is why sharing this with you now is vital and it would be detrimental to everything including our health, to not tackle it now.

Its nothing to worry about - rest assured, as it isn't anything we havent spoken of and seems to be a continuous source of tension b/t us so its nothing bad or shocking and nothing to fear but it is a touchy thing and it is too pressing for me not to address right now. Since its one of those things I can only approach via email to avoid adding further fire to the flame, I feel it best to share/express myself to you via email. It just feels safer that way and I dont want to keep piling stress upon stress on you. I know it seems like I am right now but it's not my true intention. My true intention is resolve and cohesiveness in our relationship, minus the tension/stress as of late. So, its vital there be open communication to talk and that you truly hear me now. Some things I feel shut out on and there are times where email seems only appropriate. This is one of those.

So to preface things, I will explain:

I got this note from my favorite/friend diarist C., she asked I give you some wise advice and tell you she said it, so I chose to share with you the gist of the entry I wrote yesterday before you got home from work and now her following comments and feedback that I saw just recently. I think she knows what she is talking about and I also believe she means well and is trying to be helpful to you and I.

I also think her note makes me see how important it is that you hear how I feel in this entry and what I think because what I think or feel should be important and worth something to you, even if you do not agree in the slightest of anything I said. Most especially because it is causing me great stress and because if you love me, you would want to know and hear how I feel, to take that into consideration.

Please read this carefully and think about it, deeply and please think about C.'s wise advice. Its exactly how I feel - maybe you need to hear it from someone only ten years older than us who has had more than one home in her life and knows what it is like firsthand and isnt someone close to you or connected or pushing you to buy a home now. It's important you understand that she isn't attacking you - nor am I- but I think in a roundabout way she wants the best for you because she cares about me and knows the choices you make in this circumstance will all-around affect me, too.

By the way - the following journal entry was written yesterday afternoon before we even spoke or mentioned Yvette had written you. It is important that you know that. This was not written tonite or just now. It took me hours to write what Ive chosen to share with you and Ive summarized this to be to the point for you and concise/clear. I do not feel its malicious or meant to attack/hurt or anger you, and that is not my intention in sharing this, so I strongly want to emphasize that you not take how I feel the wrong way - please try to listen to what I am really saying in this without jumping to conclusions or negative assumptions.

I will feel anxiety over this because I don't want to upset you or cause you any negative emotion. It will worry me until I hear some reply or reassurance and you talk to me more on this. Please do at some point today.

I love you so deeply and hope you can just separate yourself enough for one minute to understand where I come from and put things into true perspective with out feeling hurt or on the defensive or even angry again, at me. Please try to hear what is truly at the heart of all that I am saying. Thank you in advance for your patience and again I apologize for the way I have caused you such stress in recent days.

I am aware that there is much going on and much to be stressed over in many areas of your life especially in this wedding preparation, that is why sharing what I wrote below is vital.

To minimize stress for both you and I, I need you to listen to what I am saying and hear this, heed it, because adding more stress to the mix is definitely the last thing we need so let's find a way that we can work together productively and find a happy medium please.

Please be gentle in your reaction and reply to this. I don't think my heart/mind/body can handle another day of arguing or crying. Please, my hormones are off balance w/ my period and I am sensitive, tired, stressed, drained and I just feel emotionally taxxed right now. I feel runned down and not at my best emotional state so please be gentle, its all I ask.

I love you-

April

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the stress + strain of house-hunting 7.28.08 [Monday]

A home is an investment and if we can't see ourselves there down the road ten yrs plus, we should not make that committment or investment. It is a huge [life-altering] decision that you can't just correct if you make the wrong choice, you are stuck.

I do not want our final home choice to be the result of pressurized selling or the home of our nitemares simply because we settled feeling desperation to pick anything just to get a home period.

I am not desperate and refuse to settle. I believe that anything good is worth the wait. I also believe in making a decision that I can commit to for a lifetime and not being rash when it comes to choosing a home and buying one.

I refuse to settle because if nothing is coming our way OR prices raise or it's NOT meant to be right now, then I am content to accept that. I would much rather wait until the time is right and have a home I love than end up with a dump I settled for just because we made decisions based on fear and desperation. But Jimmy thinks differently. He wants a home right away and he thinks in the negative, that he will never be able to afford a home if he doesn't buy now. I have to disagree. He has a high enough income that he can afford a home and will one day and he has pristine credit.

There is no reason why down the road he couldn't ever buy a home but he is so restless, anxious, antsy to buy a home before the market changes and prices raise that he has lost sight of his prior ambitions to find a dream home that is affordable which we both love and is almost ready to settle for homes I couldnt even see him ever wanting to live in if it were an apt we were renting. its just his ideals have gone down the drain due to desperation and FEAR of never owning a home.

I feel that he lacks trust in himself and the future and I don't know how to instill some faith and hope which I do have. I would ask why but I'm afraid to because he never reacts well to confrontation and seems to always become defensive, closing up, whenever I want to talk. He would only deny this and downplay what I sense and feel and dismiss it as if it were not true if I said my true thoughts right now.

I've tried to make him see and I think its opened his mind a lot as he even wrote Yvette a lengthy letter explaining we wanted a break and didn't want to settle for just any home [all the things I told him I felt recently] and that he had decided he'd gotten lost in the excitement of it all and lost sight of what was important to him and ourselves so he wanted to re-evaluate his choices and start over from scratch, stick to his ideals and not settle even if we have to wait til something pops up that we can afford. I think he finally realizes and agrees with me that it's better to wait than to regret, in the long run.

Unfortunately Yvette's reply to him was short and impersonal/unfriendly, abrupt. I don't think she is happy about the decision and she has never wrote anything saying she understands where we are coming from or supporting our decision. I fear this non-reaction will cause him to cave and re-nig on his decision, the one we made together and my anxiety is building with worry over this.

He even expressed his regret in wasting her time and apologized in two different emails saying he felt awkward with her and hoped she understood. He showed me her replies and none of them acknowledged his apology or her giving us any understanding. I don't feel she is truly genuine or wants the best outcome for us. I believe it is only the promise of a sale and cash that counts to her. She may no longer want to work with us but if she does, I think it is only money/sale- motivated.

I really do not want to work with her anymore after some of her actions/behaviors in all this and she has hit a nerve on more than one occasion with me coming off catty and snarky in an effort to get a rise out of me. She's hardly organized, professional or competent at her job and frankly I am at the end of my rope with her and sick of having to deal with the likes of her .


Jimmy on the other hand thinks he will ask her in the future to show us more houses again once we take a break. He acknowledges he senses the same discomfort in her replies or lack of acknowledgement or hurt and seems to think she will get over it and seems completely oblivious to the fact that his decision was taken very personally by her, in my opinion, and the fact that he has in a sense damaged the business relationship and I would not be surprised if she thinks I am behind this and feels hostility towards me. I have never felt that she genuinely likes me as a person, anyway.

She is NEVER going to be comfortable now even if time passes and she lets it go. I feel it's time to move on and find someone else especially someone who is not connected to his best friend. I feel choosing someone with a connection was a big mistake. This whole time I've felt his eagerness to do what she says, no matter how rash and irresponsible and hasty, has been effected by the fact that she is his best friend's sister-in-law. It is almost as if he feels obligated to impress her or he feels he has to impress her and give her a good sale. I do not want to buy our first home with someone he is out to impress or consumed by the fear of disappointing her just because she is connected to his personal life. That is how mistakes and bad choices occur. I feel and believe it was a HUGE mistake to go with her because if it doesn't work out or he makes a bad choice, he is going to have to see her in the future outside of the business relationship because its his best friend's relative.

I can't force him to do-away with Yvette because of his loyalty to her which seems quite wrongly misplaced due to the fact that she is his best friend's sis in law and he feels pressured to not disappoint and does not want to go outside of his 'comfort zone' to find another simply because its too much work for him so he will settle for this.

I am a person who has a real dislike of people who "kiss-up" or put on a facade just to make someone else like or respect them just because they are afraid to be themselves. The truth is I can't and I won't tell him what to do but I will not keep quiet about the fact that I do not like Yvette and do not wish to continue with her and that if he does, he can expect more future outbursts/arguments in front of her from me if provoked by her w/ sarcastic/catty remarks because my patience is wearing thin and my level of tolerance is growing weak. She has already seen me blow up in controlled ways a few times and I was sarcastic and snappy towards or indirectly irritated at her and it showed - it was subtle but anyone could feel the sense of tension spilling over in the air.

When Jimmy did tell me he wrote Yvette a lengthy letter about us making a decision to take a break from house hunting and pull homes we had bidded on that week and cancel them based on realizing we were settling and making bad decisions and needed to re-evaluate our priorites etc, I felt SO relieved. These were all the things I have been saying for months now and had argued over with him.

It moved me to know that he finally listened to what I was saying and on his own and had come to the realization that I was right and that he was being very hasty. I feel that him waking up has helped lessen some of the tension that got kicked up in our relationship..HOWEVER his mother has already expressed extreme disapproval this past weekend, and it sounded like from what I could see [he was on the phone with her], that she was unhappy and critical of his decision and was encouraging him to rush in finding a home and to settle before prices go up, rather than waiting for the right home. I heard him explaining and reasoning with her and defending our decision however I could tell his mother was discounting what he thought best for us and planting doubt in his and our decision together. After this talk, Jimmy seemed anxious over getting a home prior to our wedding in november this fall, all over again, AFTER we had spoken of taking a step back and going slower with this only days before.

I don't know what is in his head today. He is going back 'n' forth between rational logic and impulsiveness to find a home before the market changes. I feel he is being influenced back to his previous thoughts prior to deciding to take a break - all because of the way his mother was pushing him to find one and not take a break this past Saturday and I am aggravated as hell that she has gotten him all stressed out again making him feel as though he will never find or afford a home in his lifetime and that she has undone, unravelled the decision we had made together, only days ago, to take a break and reevaluate everything, change our game plan and so on. I am frustrated with it all and don't even know what we are doing now. He is so all over the place and indecisive about being decisive that I am confused/lost and it is causing me more stress than I can handle right now.

I mentioned recently that he probably felt desperate to buy a home because of his mother's constant calls everytime she knows that we are going to look at homes to see if we found one yet or if we have bid on it...And then when we haven't found anything, lecturing him he's got to hurry and buy a home. He totally denied this when I mentioned this gently last week but then my point was proven when his mother called and he said his decision this past wkend and she kept him on the phone for longer than usual just to lecture him about how she disagreed with him waiting etc.

I didn't hear her exact words but I was sitting next to him the entire time and I saw his face, his reaction and you could tell, that she was pushing him and pressuring him and making him doubt himself and I could tell after that convo - that it affected him because we've looked at more online homes after this to add to check out in the near future AND he made statements a few times after making the decision to cool things off that sound like he is getting desperate again and I sense that he is ready and ripe to contradict his and my decision.

In fact, I have the distinct feeling he will talk to yvette via email - if not today- sometime this week- and I think he will, without telling me, try to fix things in order to make near future plans. I feel anxious over this and think he will not voluntarily tell me about it or will ease it in light hearted conversation very soon just to prepare for a soon-to-be outing with her and act like we never made the decision we just did.

I sense that the resolve he and I decided on, is slowing slipping away and disintegrating and that he is going to retract all that he had said about taking a break because we have so much to do with planning the wedding and all and it is quite stressful.

The way I feel is : the wedding + impending marriage ARE top priority, therefore making sure everything is together for our day should come first!! We committed to this date way before we even started looking for homes and that should be our primary focus.

Planning a wedding causes extreme stress for most and he has been recently expressing this, and so, to top it off with trying to find a home before the wedding makes absolutely NO sense and is asking for it.

Things are stressful enough and even he is coming undone over the stressors of putting a formal wedding together and it really bears no logic to try to add more stress to your life by doing the second most stressful thing in the average couples' life- buying a first home.

I am not certain my mental state can handle that much stress and strain. it is just too much for me and i feel it is causing enough distress in the relationship to cause damage. i just feel the timing is all wrong.

There is no emergency, no rush to find a home before our wedding, but I can't convince him otherwise and he doesn't see the affect it is having on everything. It is like asking for suicide to add that to the mix and his idea originally was to get a home and move in, a month before the wedding. That is f***in' crazy and makes absolutely NO SENSE at all.

I can be a person who lacks common sense in areas that involve emotion and scary decision-making HOWEVER in this situation, I feel we have switched roles . He is the person I typically am and I am the logical one this time. It baffles me because he is very grounded, a logically oriented person, stable. J. does not jump to conclusions, make hasty choices, do things he regrets. Normally, he is slow, safe, cautious, guarded - slow to take big steps and make decisions, perfectionist about what he buys or chooses [must be flawless] so when I think of all this and I have told him this, I am completely confused as to why he has not been this way in the arena of choosing a home/buying our first home together.

I feel that my fiance is a successful person in many facets of his life and has wonderful potential for more success in his future however I feel that his parents high expectations/attitudes push him too hard and this truly blocks him and is a source of inner confliction and self-doubt. It makes me both sad and angry and also frustrated that I cannot do anything and I am helpless to make him see this without offending him.


I am dizzy with the whole thing. Things change so much. One minute you're told you have a good chance or are within the right price range then the next minute you're told 'oh sorry someone else already has a contract, outbid you, or you were not in the right price range.' We've had so many of this lately that all the homes are beginning to blend together and I can't keep up on it all. I feel utterly drained, burned out over it all.

It has been a whirlwind of homes, overkill of looking and being told to bid on what we can lay our hands on [according to Yvette which I thought unwise-] ..WHY bid on things you don't love as backup? Why not focus on only what you love and what you would settle for as the best? I had been telling this to Jimmy for a while now. It finally dawned on him and in his letter to Yvette late last week he did state this.

I fear he will regress though because her lack of acknowledgement and lack of attempt to reply to what he said to her or accept his apology may cause someone like him to fold and give in, and because he has a need to please/impress others to be liked. I can already envision him writing her out of the blue like nothing happened and suggesting to look at his next set of homes.

I hope he does not do that. It would look very flighty, wishy washy, and I would resent it after all we talked over and how I helped him compile his letter to her and took the time to discuss the situation with him, listened to him, and made a joint decision together. IF he were to turn around and change everything we talked out and decided days ago, I would feel very disappointed and unsettled..not to mention pissed.

When you make a decision together, you stick together. Not to mention the fact that he wrote two very decisive and to the point emails to Yvette stating clearly his decision and my approval of that decision to take a break, go slower, and do things entirely differently. And so if he were to start planning outings right away again, it would seem like he never meant what he wrote and it would come off as desperation and lacking ability to stick with what he had said when we had clearly made a decision and took the time to write out his feelings to her.

Her unacknowledgement of what he had written about our decision/apology clearly is her way of not putting any weight into what he said, knowing that that is the best tactic to get him to start talking again about our next planned meeting.

I fear he is not going to stick to that decision we made and that I cannot handle the stress that will follow and ensue. There are too many other important things going on that involve a heavy amount of stress like finalizing all details of our wedding and this added to it, causes deep confliction, anxiety, and is distressful to my mental state of being. I do not want to go backwards from this!! but that is what i sense is going to happen. I don't know what to do :/

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Thank you for listening and I think you should think about what I've expressed. Please do not take it personally or think that I am trying to attack you. The whole situation is going to cause me to crack mentally and my mind can only handle so much stress. Be mindful of this. Please.

You stated to Yvette via email and right in front of me that we were taking a break and I agreed and told you I felt it necessary and essential and even if you have changed your mind at this moment [within days, it is not even a week since you wrote her], it would be unfair to yank me back into that gruelling process of doing what we were doing prior when it is so obvious I am in great need of a break right now, emotionally and mentally. It is too much. Please heed my warning. I do not want a mental breakdown before our wedding .


Here are C's notes. Please know that I believe in my heart that she has good intentions and that she truly just wants the best for both and is looking out for your and my future. She does like you and always compliments you when I write so it's not like she looks down on you. Anyway here are her notes:

I would recommend that he not tell his family at all the next time you look for a home. When we were considering building we never mentioned it to Freds' family because they would just harp on him. People who harp on other people are controlling. They are NOT looking out for someone's own good and that "need to impress" is why so many people are in foreclosure right now. All Jimmy has to do is read the paper. Does he really want to have to turn around and lose his home and his credit?

Yikes! Sorry. I don't mean to be inciting you against him if you're already having hard feelings, but Jeeze Louise! Tell Jimmy I said it's a very wise decision, that people overextend themselves and that if you wait for your dream house, you'll both walk in and go, this is it! But if you buy a house because you feel you have to, you'll be settling! *hugs*


You definitely need to be included on decisions. Maybe you can just sit on this stuff for six months. It's never a good idea to be trying to do too many things at once. In this world where everything is so stressful, it doesn't make sense to invite more! [C.] [p]

Monday, July 28, 2008

the stress + strain of house hunting- pt 2

We do not want our final home choice to be the result of pressurized selling or the home of our nitemares simply because we settled feeling desperation to pick anything just to get a home period.

[that is more jimmy than i. im not desperate and refuse to settle. i believe that anything good is worth the wait. i also believe in making a decision that i can commit to for a lifetime and not being rash when it comes to choosing a home and buying one. i refuse to settle. if nothing is coming my way OR prices raise or its NOT meant to be right now, then i am content to accept that. id much rather wait until the time is right and have a home i love than end up with a dump i settled for just because i made decisions based on fear and desperation. jimmy thinks differently. he wants a home right away and he thinks in the negative, that he will never be able to afford a home if he doesnt buy now. i have to disagree. he has a high enough income that he can afford a home and will one day and he has pristine credit. there is no reason why down the road he couldn't ever buy a home but hes so restless, anxious, antsy to buy a home before the market changes and prices raise that he has lost sight of his prior ambitions to find a dream home that is affordable which we both love and has almost thrown away those values and is ready to settle for homes i couldnt even see him ever wanting to live in if it were an apt we were renting. its just his ideals have gone down the drain due to desparation and FEAR of never owning a home. he lacks trust in himself and the future and I don't know how to instill some faith and hope which I do have.

I've tried to make him see and I think its opened his mind a lot as he even wrote yvette a lengthy letter explaining we wanted a break and didnt want to settle for just any home [all the things i told him i felt recently] and that he had decided he'd gotten lost in the excitement of it all and lost sight of what was important to him and ourselves so he wanted to reevaluate his choices and start over from scratch, stick to his ideals and not settle even if we have to wait til something pops up that we can afford. he realizes its better to wait than regret.

Unfortunately Yvette's reply to him was short and impersonal/unfriendly, abrupt. I dont think she is happy about the decision and she has never wrote anything saying she understands where we are coming from or supporting our decision. He even expressed his regret in wasting her time and apologized in two different emails saying he felt awkward with her and hoped she understood. He showed me her replies and none of them acknowledged his apology or her giving us any understanding. I dont feel she wants to work with us anymore and really do not want to work with her anymore after some of her actions/behaviors in all this and she has hit a nerve on more than one occasion with me coming off catty and snarky in an effort to get a rise out of me. she's hardly organized, professional or competent at her job and frankly i am at the end of my rope with her and sick of having to deal with the likes of her . i dont care to see her face again. i get angry.

Jimmy on the other hand thinks he will ask her in the future to show us more houses again once we take a little break. He acknowledges he senses the same discomfort in her replies or lack of acknowledgement or hurt and seems to think she will get over it and seems completely oblivious to the fact that his decision was taken very personally by her, in my opinion and he has in a sense damaged the business relationship and cut the ties by saying what he did to her.

Its NEVER going to be comfortable now even if time passes and she lets it go. i feel its time to move on and find someone else esp someone who is not connected to his best friend. i feel that was a big mistake. this whole time ive felt his eagerness to do what she says, no matter how rash and irresponsible and hasty, has been effected by the fact that she is his best friend's sis in law. its almost as if he is obligated to impress her or he feels he has to impress her and give her a good sale. i know how he thinks and he is hungry to be liked by everyone esp people connected to his family/friends. I do not want to buy our first home with someone he is out to impress or consumed with the fear of disappointing her just because she is connected to his personal life. i feel and believe it is a HUGE mistake to go with her. because if it doesnt work out or he makes a bad choice, he is going to have to see her in the future outside of the business relationship because its his best friend's relative.

I can't force him to do-away with yvette because of his loyalty to her which seems quite wrongly misplaced due to i believe it is only that she is his best friend's sis in law and he feels pressured to not disappoint. but I am a person who has a real dislike of people who "kiss-up" or put on a facade just to make someone else like or respect them just because they are afraid to be themselves. The truth is I can't and I won't tell him what to do but I will not keep quiet about the fact that I do not like Yvette and do not wish to continue with her and that if he does, he can expect more and more future outbursts/arguments in front of her from me if provoked by her w/ sarcastic/catty remarks because my patience will wear thin and my level of tolerance is growing weak. she has already seen me blow up in controlled ways a few times and I was sarcastic and snappy towards or indirectly irritated at her and it showed - it was subtle but anyone could feel the sense of tension spilling over in the air. I do not like her and nothing he says or does will convince me otherwise.

When Jimmy did tell me he wrote Yvette a lengthy letter about us making a decision to take a break from house hunting and pull homes we had bidded on that week and cancel them based on realizing we were settling and making bad decisions and needed to re-evaluate our priorites etc, I felt so relieved. These were all the things I have been saying for months now and had argued over with him.

It moved me to know that he finally listened to what i was saying and on his own came to the realization that i was right and that he was being very hasty and him waking up has helped lessen some of the tension that gets kicked up in our relationship

HOWEVER his mother has already butted her head in this weekend, and it sounded like from what i could see [he was on the phone with her], that she was showing EXTREME disapproval of his decision to take a break from yvette. Its almost like she was telling him to rush in finding a home and to settle for any home and be unsensible, rather than waiting for the right home. his mother was lecturing him about how he needs to find a home now before the rates increase and how he's running out of time.

After this talk, Jimmy seemed anxious over getting a home prior to our wedding in november this fall, all over again, AFTER we had spoken of taking a step back and going slower with this only days before. i don't know what is in his head today. he is going back n forth. between rational logic and going with what his mother is pushing him to do and i am aggravated as hell that she has got him all stressed out again making him feel as though he will never find or afford a home in his lifetime ever and that she has undone, unravelled all my work and all the sense i had finally talked into him and into his head. I am frustrated with it all and don't even know what we are doing now. he is so all over the place and indecisive about being decisive that Im confused/lost.

Gee, I wonder why Jimmy struggles with self-doubt and has a hard time making decisions?! Could it be because his mother is always criticizing his every move [and if his father spoke more as he is ill, i know he'd be even more critical of jimmy than his mother. it is their way. and i have to say i see it as very toxic and the reason for a lot of jimmy's inability to communicate or make decisive decisions without feeling doubt in himself or feeling like he is a failure. ] He doesnt see it though as everytime I point it out, he dismisses it, downplays it, and defends her/them.

For instance, I mentioned recently that he prob felt desperate to buy a home because of his mother's constant calls everytime we look at homes to see if we found one yet and have we bid on it? and then when we haven't found anything, lecturing him he's got to hurry and buy a home. HE totally denied this when I mentioned this gently last week but then my point was proved when his mother called and he said his decision this past wkend and she kept him on the phone for longer than usual to lecture him about how she disagreed with him waiting etc.

I didnt hear her exact words but I was sitting next to him the entire time and I saw his face, his reaction and you could tell, that she was pushing him and pressuring him and making him doubt himself. and I could tell after that convo - that it affected him because weve looked at more online homes after this to add to check out in the near future AND he made statements a few times after making the decision to cool things off that sound like he is getting desperate again and i sense that he is ready and ripe to contradict his decision. in fact, i have the distinct feeling he will talk to yvette via email today and fix things in order to make near future plans. I feel anxious over this and think he will not voluntarily tell me about it or will ease it in soon, subtley to prepare for a soon-to-be outing with her. i sense that the resolve he and i decided on, is slowing slipping away and disintegrating and that he is going to retract all that he had said about taking a break because we have so much to do with planning the wedding and all and it is quite stressful. the way i feel the wedding is top priority and our marriage and making sure everything is together for our day- should come first. we committed to this date way before we even started looking for homes and that should be our primary focus. planning a wedding causes extreme stress for most and to top it with trying to find a home before the wedding is asking for it. things are stressful enough and even he is coming undone over the stressors of putting a formal wedding together and it really bears no logic to try to add more stress to your life by doing the second most stressful thing in the average couples' life- buying a first home. i am not certain my mental state can handle that much stress and strain. it is just too much for me and i feel it is causing enough distress in the relationship to cause damage. i just feel the timing is all wrong. there is no emergency, no rush to find a home before our wedding, but i can't convince him otherwise and he doesnt see the affect it is having on everything.

Its all because of his mother I believe. and it makes me really angry. I am not making any hasty decision in terms of buying a home where we will share our future lives together. I'm sorry - I am not going to allow a mistake to be made. Its not just his life, its mine too and I refuse to be pulled down into someone else's mistake when we are a unit and most esp when its all based on an irrational fear of never owning a home.

I feel he is too fixated on impressing everyone. He needs to let go a bit on this. Not just this, but we have enough stress with wedding planning and he has complained constantly. I feel its stupid on his part to try to add finding a home on top of all that.

Its like asking for suicide to add that to the mix and his idea originally was to get a home and move in, a month before the wedding. that is sooo crazy and makes absolutely NO SENSE at all.

I can be a person who lacks common sense in areas that involve emotion and scary decision-making HOWEVER in this situation, i feel we have switched roles . he is the person i typically am and i am the logical one this time. it baffles me because jimmy is very grounded, logical oriented person, stable. he doesnt jump to conclusions, make hasty choices, do things he regrets and he is slow, safe, cautious, guarded - slow to take big steps and make decisions, perfectionist about what he buys or chooses [must be flawless] so when i think of all this and i have told him this, i am completely confused as to why he has not been this way in the arena of choosing a home/buying our first home together...it's as if he has thrown out all his sensibilities, logic, values and smart decison making strategies in this situation. i just cannot pinpoint why and can only assume it is sheer desperation and fear of looking like a failure to everyone in his life and feeling he doesnt measure up and im sure its largely attributed to the jabs his parents make that convince him he is not good enough or successful enough but he'd deny this til the day he dies.

I love him and feel angry when i see how his parents have created this confliction in himself and dissatisfaction in life because their opinions have become his and i think sometimes they are overly critical, judging and superficial in their values and its everything i am against. i feel jimmy is a successful person in many facets of his life and has wonderful potential for more success but his parents attitudes have seeped into him and they block him. it makes me both sad and angry and also frustrated that i cannot do anything and i am helpless to make him see this without offending him.

Monday, June 9, 2008

full speed ahead-- too much coming up!!!

Life has been so busy lately. Last Friday, I had a dental intensive type cleaning and that in itself was draining. I still have to go for b/t two to four intensive scaling/rooting cleanings that will cost thousands of dollars. My fiance was not very pleased about it since I have zero money or credit to pay for any of it and he'd have to pay. So, i have to wait til after we are married to get that done and to get 2 root canals that I was told I need to get. Another few thousand. I bet after everything is done - it will cost almost ten thousand dollars. It's BS!! The only thing my insurance covers is fillings which I need three done. I have an appt for one on June 20th.

Then Saturday, we went and looked at homes and after seeing the major difference in what we can afford, it was downright mostly disappointing and depressing. I was drained after it all and had a bit of argument since I was the one stuck in the backseat with barely any air conditioning while the two of them [real estate agent yvette and jimmy] were up in front nice and cool.

I started to feel sick because it was too hot back there and we spent several hours driving, stopping and looking at About ten homes. Not once was I offered a front seat and actually every time we've looked - I have been in the backseat forgotten and it's as if I am not even really there while the two of them carry on a convo but only make minimal attempts to include me in it. I often wonder why I am there since it seems as if it is the two of them looking and me just in the background -nonexistant.

We were in Yvette's small sporty mercedes car and it was about 97 degrees in florida that day. In any case, I blew up and both of them acted like I was making a big deal of nothing or overreacting. I felt like screaming why don't you switch places and sit back here then maybe you would lose your smug attitude because you have no idea - I was dying and sweating.

I began to feel extremely nauseaus, from heat dehydration, not eating and being in there for hours and developed a mjaor migraine headache. I had a drink and some excedrin which I took in the backseat but I increasingly began to feel sick because of the heat and both of them were oblvious because they were not hot, they were nice and cool in front in fact complaining of being too cold.

By the time we got home, I had spent hrs on the couch trying to get rid of nauseaus stomach and pounding headache and drained heat exhaustion feeling. I had to take a nap for a few hrs before I could even feel better and I was upset about the whole day on the whole and irritated.

She, the realestate lady, made a sarcastic joke to me which nearly made me explode at her but I kept it in because I didn't want to attack her. She said laughing, "maybe we should switch and you can do the driving instead" She was the one driving and knows full well I don't drive so it was sarcastic. She knows I do not have a driver's license let alone do I even know how to drive. She was being rude. Most of that day was ruined by this incident.

We got pix of some of the homes but other than two, that were acceptable and nice, I was none too excited about most of it. We are putting in bids today and I will post pix another time when I know more about what is going on, if its serious, if we have a chance and when I regain my energy from that stress inducing experience. I am still drained from Saturday and emotionally zapped.

I don't want to share pix about the homes bid on until I know things are more final as I'm still irritated about the wasted time since the things I posted in the last few mos are now VOID since they were removed from our list due to being unable to afford any of them because our incompetent real estate agent ditz didn't inform us or lay out any guideline instead she took us to places out of our range. It's not because she was doing it on purpose to waste time, it is because she is a bit of a ditz and not the smartest real estate agent to be blunt. In my opinion- she is not competent or very good at her job based on our last few appts with her and its obvious to me she needs some classes to brush up on her skills and facts.

Btw she also informed us nonchalantly on saturday that the one in sand key lane [6009 street address] was taken off the market because the woman is very pregnant and about to give birth and just didn't want to have to deal with selling a home right now or anything, I guess.

Anyway, so that was our weekend. and we've got a busy week this one. I need to start cleaning right now in fact. I feel my week is going to be overly packed and hope I can handle it.

Mini idea of what is going on this week and other upcoming things that are pertinent:

-June 9th- clean apt

-June10th- Shell's seafood dinner - Shell's restaurant and the ALS foundation is holding a dinner to honor my fiance's father who is struggling and has been suffering from ALS for some time now, maybe about ten years. Most don't live as long as he has. He is lucky he is still alive but he has major problems and in my opinion has become worst. Last week he fell, you lose control of your motor skills. and Jimmy's mom had to take the dad to the ER. He got seven stitches in his head for it. I can't even imagine how hard this is for his mom and dad. It makes me feel so bad for them both.

-June 11th- we are seeing The Cure in concert wed. evening at the st. pete times forum center!!

-June 12th- driving halfway to meet my fiance's parents [about forty minutes. halfway to their home is about forty mins which is long enough to me], to pick up Gage, my fiance's 18 year old nephew who is in town for a week or two now and flew in from IL last week. We are having dinner with them at some italian restaurant and then getting him on thurs. nite. He will spend the nite. Then, Friday Jimmy is taking his nephew to possibly universal studios islands of adventures or some theme park in Orlando with rides. I'm not going cos its not my cup of tea LOL

I hate roller coasters, fast rides, scary rides. any rough rides LOL... I only like rides that are like for babies or little kids like the carousel or ferris wheel or a very basic "kid friendly" roller coaster that doesn't go to dangerously sideways or anywhere that would feel like or be "upside down." In general, any wild rides will cause my heart to race, palpitate, and cause a panic or asthma attack. The anxiety is unbearable and the way I feel on those rides, scared, dizzy, nauseaus w/ a headache afterwards will never be worth it for me to suffer thru.

Jimmy loves these rides and I think he thinks its strange I dont like amusement parks or rides. Once in the past, he had tried to get me to try some fast race car ride (at Epcot) and I felt so pressured by him that when we got up to it, I was having an anxiety and asthma attack and ran off - told him forget it - and that I would not be going on that, and as far as I was concerned, he could go by himself. I was angry cos he had been pushing me and saying even little kids and little girls were going on these rides therefore if they could, I could too. etc etc. He pretty much diminished the way I felt. Whatever. I made sure to let him know that night how unvalidated he made me feel and how wrong I felt he was. I mean, if I say something causes me anxiety, panic, and I can't breathe, then It DOES. I dont care how f***ing old I am or if a little kid can go on w/o any fear, sickness or anxiety. Just because a kid can do what I cannot do (and likes it) doesn't mean that my feelings are not real and doesn't mean I have to make myself like something I do not like. It doesn't and should not make my feelings any less credible and it certainly doesn't mean how I feel should go by unvalidated. He learned big time after this incident last year.

I get frustrated sometimes because I feel that J. doesn't easily see other people's viewpoints aside from his own. In other words if he loves a certain food that I hate, then its irrational to him why I hate it. Same goes for if I hate fast scary rides, it's hard for him to understand why - it is as if he feels that I haven't given something enough of a chance or tried hard enough. I get very frustrated and angry whenever I feel him insinuating this about anything I tell him i dislike [be it food, film, scary rides or whatever my personal tastes or dislikes in life]

Anyway, my fiance is having his nephew Gage spend the nite thursday. I hope it goes ok since he is so shy , quiet and I wouldn't know what to talk about or do. Also I am accustomed to being able to watch tv late after two am in the living room, go out there to smoke if i want or on my computer if bored or cant sleep but with him staying here, I won't be able to do any of those things and will prob be trapped in our bedroom all nite by midnite which sucks. I don't like feeling caged in my own place and since he is sleeping on our couch in the living room and its an open room, its like you can't go to the kitchen, office, patio or living room w/out disturbing the person sleeping there.

Then friday- June 13th they are going to some Orlando theme park like universal studios. I opted to stay home as it would be useless for me to go since I hate all rides. Also I hate lines, loud people in crowds and most of all I hate hot weather and standing in it for hours. That is what it will be like from what I can recall and I would much rather not have to go, so I'm not. Plus, it is expensive and not worth it to go if you aren't going to participate. I don't know when they will get home, maybe that nite and Gage will spend the nite one more nite and stay part of saturday so as I said it will be a busy week without much privacy. I dont really look forward to that aspect but hopefully it will be good.

I have a lot of dr. oriented appts upcoming and that in itself will be draining, I think. Plus, we still have so much to do with our upcoming wedding which we havent done yet [find and order invitations/ choose groomswear/ hire florist/ choose and order our wedding cake at alessi bakery/ find and contract with photographer/ choose songs we want at reception/wedding, find pianist to play bride entrance to before vows, wedding song theme down the aisle and prob something else I forgot!

I also need to hire a hairstylist at a salon for updo and wedding makeup, need to have eyebrows tweezed/waxed to shape. So much to do!! In addition..I need to find shoes and undergarments/lingerie for the strapless wedding gown so the dress will look right on me and fitted and also need alterations for the wedding gown itself.

Anyway doctor oriented appts I have in the next month are as follows below:

~June 20th filling at dentist appt

~June 27th first appt with new primary care physician doctor in tampa, need advair refill for asthma

~July 11th psychiatrist- first time appt for bipolar disorder. need refill of ativan [tranquilizer], possibly consider options for a low dose mood stabilizer such as depakote. possibly but still very hesitant.

Anyway, that is all for now. i will update as new things occur. Right now, I have some house work I have to start on before our house guest comes this week and too much to do to get ready in general LOL !

+++




We saw "I'm Not There" over the weekend. it was artistic in part but some of it we didn't get really because it kept mixing stories of others and seemed more fiction/fantasy based than factual. I'm not a bob dylan fan at all, in fact I dont get his music or style at all and it annoys me however my fiance loves his stuff :) Cate Blanchett was incredible as expected but she was the only part of the film that was good to me. The end part was overall confusing to both Jimmy and I. It lost us totally. the part with the little black kid and country cowboys- I didn't quite understand that part of the film or what it meant and neither did Jimmy.

We also saw "Grace Is Gone" with John Cusack. Jimmy said he thought it was good but I thought it was bland, mediocre, severely lacking more depth and substance altho I agree with him that it was sad and it made both of our eyes tear up. I just felt it was really lacking. I feel like since Jimmy idolizes john cusack, he gave it a higher rating than it deserves LOL I love john cusack too but the film would be considered a definite bomb by my standards!!

Anyway that's it for now :)

Wednesday, June 4, 2008

home hunting aggravations- starting from scratch.

Well, it turns out after an email and call with real estate agent yvette and loan mortgage handler rick, that we are not going to be able to afford all of the houses we wanted to bid on. put simply- according to the numbers guy, we cannot pick any homes that have over 2400 dollars in taxes and HOA or CDD fees combined.

So, the best homes ranged from 3000-5000 in taxes along, some adding about 150-300 in HOA's. I know this is all very foreign territory to me as well so this may sound like mumbo jumbo when I'm typing and explaining it to you all.

In simple terms, from what I understand HOA's have to do with fees for community taking care of lawn, landscaping as well as community oriented centers like recreation centers with pool, fitness and golf clubs etc.

Most decent homes in any decent area comes with a HOA. and, if you are not going to buy a home with an underground swimming pool - then you should have a community center where you are able to use their pool and facilities as Florida is very much a state where if you live in it, you want access to a pool or would find it necessary to own one.

I don't find it necessity to own one at this point although it would be nice because I simply believe we would take it for granted and never use it. When you have what you want, you sometimes become complacent and lose interest since its so easily available but I would definitely prefer to have a community center with a pool nearby where we could get membership in our neighborhood so that if we wanted to swim, we could.

I love swimming and we live in a complex with a big pool but we don't go that often. It's getting hot here and I plan to make use of it more and more during the summer like we did last year even if it's when we're doing laundry which is next to the pool or at nite when we just want a nice little dip to cool off.

When I go in, I try to swim at least five laps back and forth because swimming makes me feel good and is invigorating, refreshing to my energy. That said, if we even wanted to buy a home with an underground pool that is in good shape, we would be looking at anywhere between 200 and 400 thousand dollar homes and that is just way out of our league. But like I said, I'm okay with not having a pool.

I think it's Jimmy who wishes he could find a home with a pool, even if it's not in the best shape as we've looked at a few homes with pools that were plainly disgusting, green, dark green water with stains all over it and rust. I said, NO WAY. The rest of the home didn't even have much to offer and was not equipped with a lot of the things I liked in other homes. That said those homes were immediately dropped from our "buying consideration" list.

In any case, what it comes down to is this:

Originally Jimmy asked to place bids on these three homes and I will name them by their street name, each have appeared in my diary in a separate entry if you need to be refreshed in regard to what I am talking about, here is a small picture representing each one below as follows:

Stone Arch Ave.




Description

Dont miss this very loved 3 yr young four bedroom two bath house. Corner lot with view of pond, great location in the subdivision.Lennar built with many extras like the gourmet kitchen,tile in all wet areas,wall to wall carpet,garden tub and shower masterbath, walk in closets. Living room and den gives you lots of space to share with all the family. Dining room and split plan for master bedroom and guest rooms gives you all the privacy you need.Covered patio look at the pond in the large back yard. Corner lot gives you more space outside.Dont miss this great home at a great price. Price reduced.

Price Reduced: 05/14/08 -- $190,000 to $149,900
On Market: 83 days
Interior Features: Floor Coverings:CERAMIC TILE
Bathroom:TUB WITH SEPARATE SHOWER STALL
Kitchen: DISHWASHER, DISPOSAL, MICROWAVE, RANGE
Exterior Features: Parking: 2 CAR GARAGE
Siding: BLOCK Lot Description: CORNER LOT

Canterbury Lakes (our absolute favorite at this point)



Description/Info:
Subdivision name: Canterbury Lakes Phase 3
Size: Sq Ft: 1258; One Story Single Family Home// 3 Bedrooms/ 2 Bathrooms
List price: $155,000 ; HOA Fee: $300.00
Home Built in: 2005
Total Acreage: Zero Lot Line Water: View/Pond
Lot Size: 4,399
Kitchen, dining room, 3rd bedroom all 12x11 feet; living room is 19x12 ft. ; master bedroom 15x12 ft; 2nd bedroom 12x10 feet. porch: 12x12 ft.
Floor covering: ceramic tile A/C and Heat: central
Extras: volume ceilings, cathedral/vaulted ceiling, walk in closet , two car garage, patio/porch open 3 bed/2 bath 1258 square feet; $155,000

Canal Pointe



Basic house information and important facts:

Subdivision: Heritage Isles
Size: 3 bedroom/ 2 bathroom; one story, single family home
Square feet: 1385 sq.ft Total Acreage: 10889 sq. ft.
Water: frontage/pond
Built in: 2002
Selling price: $139,000
Taxes: 4,176
Annual CDD Fee: 2,420
HOA fee [quarterly] $75.00

Other ones out of our price ranged that we loved and most people complimented on my diary is:

Steel Dust




All of these homes were past $2400 in taxes and unaffordable for the kind of mortgage Jimmy qualifies for so they had to be dropped entirely and we cannot even consider any of those.

It is disappointing but both of us are also a bit frustrated as to why our real estate agent had not been more on the ball who is in constant communication with our loan guy Rick and knew the qualifications/limitations of what we could afford YET wasted her time but MOST of all, OUR time by showing us homes that we could not afford even if we wanted them.

Out of those homes she took us to in the past month--- a total of probably 20-25 homes where which we ended up ONLY liking between 6 to 8 homes and could see potential and would consider buying-- it looks like ONLY 2 or 3 out of those are in the range that we MIGHT be able to afford and its not even for certain if we are in the affordable range of all three potential homes right now. It is highly aggravating that she wasted so much of our time. I like her but she does seem very unorganized, a bit flighty, and not on her game.

A good real estate agent would know how to delegate time better and would steer away from wasting her or the client's time by being more informed, prepared, and organized. Like, for instance, I always thought she should have sat us down in her office and went over with us what homes were in the range of what we could realistically afford so that we would only see homes that we could realistically buy. It makes no logical sense to me why we did not map out a plan in her office if she is a so called real estate agent.

I know Jimmy only went with her because she is the sister of his best friend's wife [who barely talks to him] and there is some obligation there but I can think of other friends he has with far better personalities and skill that could help us far more than she is doing.

I feel like we are only backtracking with her and have to start all over again and wasted the last few months looking at prospective homes that we will never be able to realistically afford or buy , so what was the point of all that time wasted. It aggravates me. There is nothing more I hate than wasting time and having to do double the work because of someone's obvious incompetence.

That aside, these are now supposedly the homes of which we've seen and liked [some we didn't love but thought if the ones we loved fell thru, we could settle for them. Btw, most of the ones left to afford are ones we'd only settle for, not absolutely love.] That said these are the ones that would be in our affordable range based on the hours of research Jimmy had to do on his own last nite.

[isn't that the real estate and mortgage agent's job? i don't get it. why should they get commission for helping us if they are not even doing their job properly. stupid!!]

* 24940 Joiner Ct.; Lutz, FL taxes: $1,102.00; hoa: $206.50 semi-annually

tion:
Beds: 3 Type: SFR Sq. Ft.: 1,216 Lot Size: 8,712 Sq. Ft. Baths: 2/0 Year Built: 1991 MLS #: T2309939 List Date: 04/25/08

Description

Price Increased: 05/09/08 -- $150,000 to $156,000; On Market: 23 days Not a short sale++new roof may '08(old pictures)+see virtual tour for floorplan tour++brand new real solid oak floors in kitchen, dining area and foyer++brand new ge smooth top range++brand new kenmore microwave++huge tiled and screen lanai++fireplace forcrackling fires in winter++ vaulted ceilings++built in window seat in master bedroom++walk in closet in master bedroom ++partially converted garage to air conditioned 12 x 12 bonus room, which could be used as a workshop,play room, nursery or craft room++pie shaped lot for extra space in side yards++inside utility for the laundry++freshly painted kitchen, neutral colors++neutral colored berber carpet in family room and bedrooms++pass thru window from kitchen to lanai is great for entertaining and griling++fantastic cul de sac location for room to play out front++no backyard neighbors ++no cdd fees!++low hoa fees++easy access to i-75++low pasco county tax rate++enjoy a community clubhouse, pool, playground and tennis courts.

Interior Features:
Laundry: WASHER/DRYER HOOKUPS; Fireplace: IN FAMILY ROOM, WOOD BURNING; Floor Coverings: VINYL, WOOD;
Bathroom: TUB WITH SHOWER;
Kitchen: DISHWASHER, DISPOSAL, RANGE, MICROWAVE, EATING SPACE, CLOSET PANTRY; Kitchen Dim.: 17 X 10; Dining Room: EAT IN KITCHEN
Living Room Dim.: 23 X 14Bedroom: SPLIT BEDROOM + Misc. Rooms: BONUS ROOM, UTILITY ROOM
Exterior Features:
Style: CONTEMPORARY
Parking: ATTACHED, DOOR OPENER, 2 CAR GARAGE
Siding: BLOCK, BRICK, STUCCO
Pool Type: COMMUNITY POOL
Lot Description: CUL-DE-SAC, SIDEWALK
Roof Type: SHINGLE
Yard/Grounds: OAK TREES, PATIO/PORCH COVERED, PATIO/PORCH OPEN, IRRIGATION SYSTEM
Foundation: SLAB
Lot Size: 8,712 Sq. Ft.
Utilities Heating: ELECTRIC; Cooling: CENTRAL; Water: COUNTY WATER
County: Pasco
Community Rec.: POOL, RECREATION BUILDING, PLAYGROUND, TENNIS COURTS

* 1632 Pintail Ct; Lutz, FL taxes: $1,940.00; hoa: $75.00 annually

* 6009 Sand Key Ln., Wesley Chapel, FL taxes: $1,299.00; hoa: $180.00 quarterly




General information on home:
Subdivision: Wesley Pointe Phases 2 & 3
Built: 2003
Type of Home: 3 bedroom/ 2 bathroomOne story, Single Family Home
Water: View/Pond
Square Feet: 1158 ; Total Acreage: Up to 10889 Sq. Ft.
Selling Price: $149,900 ; Taxes: $1,299; HOA fees $180.00 [yearly]
Extras: gated community, cathedral vaulted ceiling, walk in closet, garden bath, tub w/shower, pantry, patio/porch with sliding doors; two car garage with door opener.

* 6131 Sand Key Ln., Wesley Chapel, FL taxes: $1,707.00; hoa: $184.00

* 30424 Double Dr., Wesley Chapel, FL taxes: $967.00; hoa: $295.00 annual

And below is a list of places we will be seeing that we've chosen based on what we can afford and what looks good enough to want to visit in person.


We have an appt this saturday afternoon and I will be sure to share more after that meeting and pix if we love any of what we see :)

[note:
altho i realize this is mumbo jumbo to most, I'm including it in my entry to document what is going on in my life for myself and to keep my head organized as well with so much in my head LOL]


homes in Wesley Chapel


[outskirts of tampa, florida]


1. 30615 Double Dr. - list price: $139,900; taxes $1089.39

2. 6112 White Sails Dr. - list price: $149,900; taxes $2089.75

3. 32141 Northridge Dr. - list price: $149, 900; taxes $1806.18

4. 30446 Birdhouse Dr.- list price: $139, 900; taxes $1174.88

5. 6502 Tabogi Tr. - list price: $134, 000; taxes $1947.80

6. 30918 Stone Arch Ave- list price: $150,000; taxes $1942 plus hoa: 342

7. 30327 Pongo Way- list price: $129,900; taxes $1242.00

8. 6031 Sand key Lane- list price: $124,000; taxes $2166.00


Valrico, FL


9. 752 Cape Cod Dr. - list price $159,000


New Tampa/Tampa


10. 18113 Lembrecht Way- list price $140,000; taxes: $1806.10

11. 4125 Tartan Pl.- list price: $129,900; taxes: $1925.59



that's all for now!

Tuesday, June 3, 2008

house hunting is highly stressful, pt 1

the canal pointe tampa house actually looked really nice in person as opposed to the photos. and it was cute. the masterbedroom made me think of male though and i was laughing about it as it had a half nude/topless? [subtle not dirty in any way] blonde woman painting above the dresser but with KISS memorabilia around it like a rocker dude and an acoustic guitar not far away from his dresser.

it is interesting to see what people have and their personality in these homes. they werent home but it had to be someone like our age or even younger who lived there and cos a lot of the extra rooms had boxes packed and taking up half the room, it was hard to tell.

the backyard and patio were also really cute. it looked like there was a cat due to kitty climber thing and cat food but didnt see it. also, there was a dog in a cage in the office room. felt really bad for it. i am very opposed to getting any house though that has an owner who doesn't make sure their home is DOG SMELL free. i don't really like dogs all that much mostly due to their messiness and smell [and i hate hyper animals that drool and jump all over you but jimmy's parents are dog lovers and cat haters and a lot of jimmy's friends are dog lovers too. i kind of have to restrain my thoughts. but not a huge fan of dogs. i agree with that scene in meet the parents where robert dinero is with ben stiller telling ben why cats do NOT sell out like dogs do and how they dont make u work for their affection. lol]

anyway i hate that smell dogs leave in a home if they live-in and so a few homes that were wreaking of dog smell, we were like "forget it! that is a turn off" LOL and it is a definite NO if i see a bunch of dogs or big dogs running around salivating which a few we did see just as i've depicted it. and these particular dog homes smelled horrible. i had to hold my breath.

as far as the fees, for this one home, jimmy says its way too high and he could never afford the payment + he is kind of in the dark about what is a normal fee or what is too high of a fee. i still think he will say its out of his league in being able to afford. i prefer a home that has fees cos it means it's taken care of while he has tried to stay away from homes with high fees or even wanted to go for ones with NO fees which i've tried to talk him out of. he may be realizing this now after seeing some real dumps w/o any HOA fee...i told him i think that would be a mistake. you want a nice family community where things are taken care of, there is a rec. center or pool or family oriented things included in the home esp if one day we start our own family and will be there a while.

i feel like an HOA fee makes the home or area more likely to be a nice area...i don't want a crime ridden downhill bad neighborhood. he thinks not having an HOA doesn't mean anything about how nice the community is or if there is a rec. center nearby that is included and all but I believe it means something and you don't get anything nice for nothing, nothing is for free LOL

btw jimmy says that the loan he qualified for which he sent out today to start the process, is a 150,000 FHA first time home owner loan and its where the sellers pay 3 percent cost of downpayment and 3 percent of closing cost. he was told this was the best loan to go for in terms of saving money on getting a first home. but again im really in the dark on this. i know very little about this process or what that means and really do not know if its a good route to take for a loan on a mortgage.

Jimmy's payments will be like 1200 a month with mortgage and he complains he will barely be able to afford this which i don't really get since he makes good salary and makes at least that i would think every two weeks and also we only pay 750 for this apt which is really cheap so i don't know where his money is going if he can't afford something like 1200 a month which some people pay for just an apt in a city LOL but he has major anxiety over being in debt or buying a home he can't afford. maybe he is just afraid of going bankrupt or losing the home. but i see people younger than us and not all of them have two working couples and MANY of them have lower paying jobs than Jimmy and they are able to handle it fine. we'll see i guess.

it's exciting looking for a new home. i hope we get one that's not a dog cos there are a few he wanted which in my opinion were horribly plain, not appealing, so boring it was ugly, never lived in which made it lack character and too big for someone who does not have kids but it appealed to him cos it was cheap (140 thousand) but it's also bank owned and foreclosed and i feel very weary of that. to me, this sounds too good to be true and i don't like it.

he thinks its a steal, but i feel there is a gimmick or a trick underneath hidden or a reason why it is so cheap that is not good. and whats worse to me, it looks like a glorified apartment, a cheap apt. the carpet and walls remind me of an apt, the kitchen cabinets and all that and it doesn't have the long halls like the ones i liked or vaulted ceiling with places to put knick knacks on, it doesn't have unique architecture like all the ones i have suared here previously, ones that i loved the most..

Jimmy thinks i am overreacting when i say i hate the foreclosed one [its called towerbridge in wesley chapel i think] but it's how i feel and i am the one who is going to be in it a lot alone so i feel i should more than like it, i should LOVE it and feel like it has promise and potential to make it a cozy home.

I don't feel these things with this particular home {Towerbridge} but i feel that with the other ones Ive shown here. he feels I am being petty and complains about me liking the ones that are more money - well, we saw those ones cos he said it was in his price range, the ones i love start at 149-150 thousand and 2 house are 160 thousand but ALL of these homes were chosen by him and he took the time to bring bothof us physically to these houses so that is a bunch of BS. i feel he is making excuses and can be a control freak and it really gets me pissed.


he gets mad and frustrated at me because sometimes i think he hates having to compromise and feels he makes the money therefore he should have more say than me in what house he buys. i understand he makes the money and he is doing a wonderful thing by buying us a home but i also feel we are a couple in this together and i am going to be his wife and people / husband's who buy homes, buy ones that the wife will love without making the wife feel guilty about money or not working etc.

i resent the fact that he is always bringing up the fact that i dont work or have a normal income while throwing it in my face all the time..as soon as he starts saying this BS, i dont allow him to finish his sentence because i already know what he will say and i think it is absolutely ridiculous and immature/ so i cut him off when he starts with that because its irrelevant to me.

part of showing love for your partner and spouse is buying a home the two of you will love particularly the wife, especially if i should ever be raising his kid and spending most of my time there.

i just feel at times his priorities are all out of order. and he can be a bit selfish and it really gets to me. he always reminds me how i don't work or have an income and i feel deep down he believes i don't deserve any say because its his money and not mine. he knows how i feel because i state it over and over but when it comes down to it all, i keep having to remind him what marriage is. its not about who has the money or who pays what.

marriage is about sharing, loving each other in sickness and health and most of the time this means sharing money, not keeping count on who makes money, who makes more money or who has a job or who does not have a job. anyway. end of vent. :) i just get a little frustrated at times. and our last home hunting experience which was over four hrs in a car, as in part, so tense i'm sure it could be felt across the world.

i wish it wasn't so stressful to look at homes and he could be a little more compromising, validating me when i say i hate something or do not want it etc. i hope the real estate agent is accustomed to seeing couples differ in preference for a home or argue cos if she isn't, i'd be embarrassed.

i am sure the real estate woman felt the tension this past wkend and it was unbecoming to both him and i. i don't want to make a bad impression of either myself or him!! sigh :(

she is also the sister of his best friend's wife - so like making a bad impression on her is the LAST thing i want to do cos she would then probably relay it to them and i don't think they know us well enough, we hardly even see them cos his best friend is always too busy for him.

[jenni wrote me this email after i shared the above with her, giving helpful advice for both jimmy and i. which i later shared with him. it was helpful to both him and i and eased a lot of stress. she made me realize somethings but even more she made him realize some ways he was being very unfair to me and he wrote me a letter acknowledging all that and promising to try harder- i will share this in the following entry after this one.]

+++

these are a few choice pix from canal pointe one of our top five considerations but not our most favorite from house hunting the weekend prior to last which i have not had time to post up until NOW sorry for the delay. things have been crazy busy and emotionally draining, all over the place. just havent had the energy. i will catch up eventually.

basic house information and important facts on canal pointe:

subdivision: Heritage Isles

3 bedroom/ 2 bathroom

one story, single family home

square feet: 1385 sq.ft

total acreage: 10889 sq. ft.

water: frontage/pond

built in: 2002

selling price: $139,000 ; taxes: 4,176 ; 2,420 Annual CDD Fee ; HOA fee [quarterly] $75.00

pix:

warning: the home looks way better in person than it did in the actual photos. keep in mind that.



exterior view of home/driveway
canal pointe, tampa



living room


kitchen



dining area/eating room



foyer/front room [they were packing - so some rooms were hard to define in terms of their use and how big they were esp the two smaller bedrooms which were full of boxes.]



office/den or first guest bedroom


guest bathroom in hall


2nd guest bedroom, too full of boxes to get an idea of size and possibilities.


walk-in closet, master bedroom.




master bathroom


master bedroom



door that leads to patio screened porch from master bedroom.


screened in patio/porch with scenic view along water and manicured green lawns


garage

(the end)

househunting, stone arch [first home we put bid on]



Description

Dont miss this very loved 3 yr young four bedroom two bath house. Corner lot with view of pond, great location in the subdivision.Lennar built with many extras like the gourmet kitchen,tile in all wet areas,wall to wall carpet,garden tub and shower masterbath, walk in closets. Living room and den gives you lots of space to share with all the family. Dining room and split plan for master bedroom and guest rooms gives you all the privacy you need.Covered patio look at the pond in the large back yard. Corner lot gives you more space outside.Dont miss this great home at a great price. Price reduced.

ZipRealty Price Track
Price Reduced: 05/14/08 -- $190,000 to $149,900

On Market: 83 days
Interior Features
Floor Coverings:
CERAMIC TILE

Bathroom:
TUB WITH SEPARATE SHOWER STALL
Kitchen:
DISHWASHER, DISPOSAL, MICROWAVE, RANGE


Exterior Features
Parking:
2 CAR GARAGE
Siding:
BLOCK
Lot Description:
CORNER LOT

house hunting (canterbury lakes- our absolute favorite)

this is one of our absolute faves. its in our top two most wanted homes right now. and possibly we'll be bidding on it this week. the entry after this one is the second one we will bid on and the MOST wanted home, dream home. i'll share it shortly after this.


Subdivision name: Canterbury Lakes Phase 3

3 Bedrooms/ 2 Bathrooms

List price: $155,000 ; HOA Fee: $300.00

Sq Ft: 1258

One Story Single Family Home

Built: 2005

Total Acreage: Zero Lot Line

Water: View/Pond

Lot Size: 4,399

Kitchen, dining room, 3rd bedroom all 12x11 feet; living room is 19x12 ft. ; master bedroom 15x12 ft; 2nd bedroom 12x10 feet. porch: 12x12 ft.

Floor covering: ceramic tile

A/c and Heat: central

Extras: volume ceilings, cathedral/vaulted ceiling, walk in closet , two car garage, patio/porch open

3 bed/2 bath 1258 square feet; $155,000 [built in 2005]





front exterior of home/porch




walkway to front of home with porch.



LOVE the porch.




front door that leads outside.
canterbury, tampa





one view of the long lines and long wall along side of living room. narrow makes illusion of spaciousness.




kitchen nook/hutch facing dining area of room.



formal dining area, take one- a bit dark.





second view of dining area, more light.



3rd view of dining area [having hard time with lighting to take pix of this particular room]



i loved the painting above



view of living room with background view of kitchen/dining area- all tile floor, nice tile




entertainment wall across from living room/couch




decorative corner



hallway near front door, love decor and colors, painted wall.




view from living room to hall to wing of guest bedrooms down hall with guest bathroom.



love painting/art





guest room



bedroom



guest bathroom



master bedroom, kind of blurry, sorry









master bathroom within master bedroom, me in reflection.



bathroom in master bedroom, no bathtub but nice shower within this room



walk in closet, in master bedroom. didn't photograph very well.



garage





laundry room in garage



patio with sliding glass door to outside patio cement block





back yard area where across the way is a pond, very green grass, and the backside of neighbors' homes



concrete is where our patio would be, in front and on sides is view of neighbors