Closing
We close on the house tomorrow at noon. We have the walk through at 11. We have to pay a huge sales tax to Naperville at 10. We get to start shampooing carpets at 2. It's going to be a long day.
In contrast to most people being giddy about buying a house I am still a bit nervous. I think the financing will be ok and closing should not be an issue since it looks like the sellers took off a while ago and won't be present at closing.
I guess the recession has changed the way I view things. I'm worried about things down the line with our jobs and this ginormous mortgage. It is actually far below what we could have financed a few years ago but still about 10% more than we wanted to pay.
I'm also worried about my ability to cook and clean and decorate this place to live up to home standards when I work a lot and get home at 9 pm. Decorating on a budget is always tricky but when you owe so much over the next 30 years it's scary to eat up reserve funds on furniture not knowing what will happen with jobs and such.
My company is having a rough month after having a good december/January so of course were thinking layoffs can't be far behind. My husband has to decide on some big things with his company this spring too like whether or not to get a smaller space to lease and whether or not he sees things going up or down in the next year and if he can still afford things there.
I guess I'm very jaded about certain things and since I can't get a promotion to save my life I'm not sure about the future finances and that spills over to the house.
It's also weird to try and make decisions about decorating with 2 people involved plus our moms. It's a lot of discussing and emailing. Somehow this was much less complicated when I had almost nothing and bought a condo.
Although I am looking forward to one thing. Not sharing walls with anyone elses home. This is the first time I've ever been able to afford a free standig house without the noise of music/tv/neighbors. And we get our very own yard ( which will be a lot of work and doesn't get enough sun to garden much)
I hope the new neighbors are nice. I bet they hope the same of us. We're quiet, they probably won't notice we're there.
And moving the cats will be a challenge. Zeus has moved a lot but pogo and Cindy never have in 13 years. This is going to be a shock to them to get carted off and never go back home again. We plan on building some new cat trees for them, maybe they will adjust to the new home in a few weeks? Or a few months?
And all my stuff is still in my inlaws basement. I have the hope that I will be reunited with my furniture soon and that the buffet can be built into the kitchen/ family room like the vintage ones used to.
We also have to reface cabinets in many places and figure out how to mount a runner on the wood stairs.
I can't believe I am buying a 2 story cape cod house. I have lived in a ranch all my life and then a single floor condo for 7 years. This is going to be difficult on the old knees but it wasn't really an option to get a ranch either. Few are available and those needed even more work than this one.
So we will start our lives as over property taxed napervillians tomorrow and hopefully things will work out as well for us there as they do for most people who move there for good schools and a comfortable community. We will soon find out.
Posted via LiveJournal.app.