Archive for the ‘Home Ownership’ Category

Refinancing


20 Oct

With today’s interest rates, we’re looking at refinancing our home. Unfortunately, all the programs that currently exist help people who are having problems paying their loan. We aren’t. In fact, we’re a good risk. Chase has never sold our mortgage. This screws us.

Due to falling property values, we owe more than 80% of the value of our home. If our loan were owned by Fannie Mae or Freddie Mac, we could refinance without PMI. As it is, we can’t. Amusingly, per Chase customer service, if we refinanced with PMI, they would sell our loan to one of the FMs.

Laundry


18 Oct

I don’t know how families do it. With just two people, laundry feels never ending. I don’t mind doing laundry (I love my washer and dryer); I hate putting it away. I’m bad at folding; I don’t have enough drawer space for t-shirts as it is. I certainly don’t have room for another piece of furniture to put clothes in.

On laundry day, I am seriously tempted by the six item clothing diet, or something similar, just to cut the work down. If I only had six items I wore to work, I’d only have six things to hang up.

 

Litter


27 Sep

I hate litterbugs. Every time I take my dogs on a walk, there are new things I have to keep them away from. It varies from cigarettes and children’s underwear (sad but true) to lipstick and pizza boxes. Currently, there’s a little girl’s tricycle just sitting along the edge of the road. Its handlebars and one pedal are broken, so I don’t expect it will be going home anytime soon.

While some items, like the trike, have been purposely abandoned, most were thrown out car windows. Why can’t people clean their cars in their own driveways and use garbage cans?

I don’t want to grow up…


26 Jul

I think one of the reasons I regularly feel like I am just pretending to be a responsible adult is that I don’t like to clean. While having a clean house/room is nice, I rarely feel the need to clean for cleanings sake. In this way, I am the opposite of my mother.

But it’s not just my mother I am comparing myself to. I work with a woman who vacuums her area rugs and wood floors every day. Every day. I just recently started vacuuming every 2 weeks, right before my friend who is allergic to dogs comes over.

A House Full of Books


14 Jul

Growing up, there were books shelves in almost every room in our house. Nowadays, there are books in every room of my house, too, even if there aren’t shelves to store them on.

We don’t take our books back to the used book store. Perhaps we should, but we don’t. So we have this idea to get a bookshelf for our living room that is the free to good home shelf. This way any time our friends come over, they can leave with a book. Of course, knowing our friends, they’d start bringing books to put on the shelf, too.

Weekends


13 Jun

I am bad at weekends. Or, I am good at weekends and therefore bad at writing during them. Yesterday, I cleaned the kitchen, mowed the side yard, took the dogs on a long walk, went to friends’ for burgers and a movie, came home and helped Charles clean off the dining room table in anticipation of friends coming over today.

This morning, I started another load of dishes and vacuumed. Now, I’ve got two napping doggies relaxing on the bed before the excitement of visitors and being in the living room (with its lovely giant window) for the entire afternoon.

Mowing the Lawn


13 May

Mowing the lawn has always been one of my least favorite chores. I didn’t even like it as a kid when we had a riding lawn mower. I think the last time I looked forward to lawn mowing was when I was really little and my dad would pull me in my wagon behind the mower.

And yet, as a homeowner, one of the chores that gives me the biggest sense of accomplishment is mowing the lawn. I’m not really sure why. But looking at a newly mown lawn, especially if I’m the one who mowed it, makes me happy.

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