Good Bye Forever Mortgage!

This could be my last post about the mortgage. Ever!

Yesterday in the mail came the discharge from land titles.  It only took 8 months.  Good thing I wasn't holding my breath!!

It is done, finished, over, kaput.  Good bye and good riddance to that mortgage lender!!!

I would like nothing more than for my name to be the only thing on that sheet of paper but, alas, there is a HELOC.  That was used for the car and SUV financing.

I don't pay any money towards it, only the hubs does.  It was cheaper than dealer financing, and I was leery about being cash poor so I agreed.

We didn't plan to purchase 2 vehicles in less than 4 months but crap happens.  A car accident could quite easily be argued a good use for emergency funds but I don't want to touch it.  With job uncertainty and health problems I want that money left where it is.

When buying our cars neither were new, both will hold value as much as a car can, and I do not drive all over the province in winter in a beater.  "End of story" as my 6 yr old says.

So I suck it up and share the title on my house with the TD bank.  There are worse things than having available credit.  It will be paid off inside of 3 years is the deadline the hubs put on himself and I'm OK with that.


Last week my kid #2 had his dental surgery.  It was by a very lovely surgeon who treated my son and I with professionalism and TLC.  My son remembers nothing except sitting in the chair and then waking up in another room with my hubs and I with him.  Like a true teenage boy he was ready to eat that day and didn't stop since!  I went through a lot of eggs and pudding and jello!

He's almost 75% back to normal with the bruising and swelling.  I am so relieved that it is behind him now.

The cost was less than the original quote... only $2130.00  a real deal!  I've submitted to my insurance but still haven't heard anything.  I should by Monday or else I will have to call into the land of "Press 1 for English"  "Press 8 for wanting to scream and bang the phone against your own head"

Life is otherwise finally nice and boring.  I have to go out and get some Halloween candy.  We get about 100-125 kids per year.  I like Kit Kats and Rockets - and soooo that's what I give out (in hopes of leftovers ;-))

Tonight we are going out for dinner with a gift card that the hubs won golfing earlier this year.

My savings are all automated these days, I treat them like bills and plan spending accordingly.  Payroll continues to screw with my paycheques so I think that there will be a big whopping payday in December as it takes them 4 months to rub their minds together and figure out where they screwed up.

So I'm going to keep rolling along and try to avoid bumps in the road.  Maybe, just maybe, I can go on vacation sometime this winter?!  Meanwhile I will continue to pretend that hockey rinks are mini getaway's (ha ha ha)

The Good Things....
Healthy happy kids
I'm feeling better

Things that suck...
I am freezing my tush off these days!

It's going to be a "Rainy Day" on Wednesday....

With my kid #2 that is the orthodontic challenge we learned on the last visit that he needs all the wisdom teeth out.  The lower ones are looking like they are "angry" and the uppers are heading sideways.  Early in life for a kid to need them out but whatever.  The orthodontist sent a letter to a dental surgeon (too complicated for a regular dentist) and we would wait to hear back.  Well if I don't get a call 2 weeks later and an appointment in less than a week.  I don't know about anyone else but around here to get a call and then get in to a specialist in less than 3 weeks is nothing short of a miracle.

The caveat... $2300 due Wednesday morning.  No billing to the insurance company first, cash on the dash thank-you.

I think that I should get $800 from my insurance and I will bill the x half of the $2300 so 1150 - 800 = 350 when the dust clears in a month or two.  But still need it up front.

Luckily my credit card balance is 0. 

I think and I hope that we are done with funerals for awhile.  This business of driving all day, come home, do laundry, repack and drive again wiped me right out last week.  $45 clothes for kid #3, $300 in gas, $130 hotel, $30 dry cleaning, $50 eating out.  Not in the agenda but what can you do?

More than my wallet, my heart can't take anymore.  I don't know if I even ate 2000 calories all last week.  Grieving, the stress of my mother, my perfect idiot sibling, so many people around (my family members funeral had 350 people) it was hard to handle. 

We've made a point to have quiet family time at home.  I'm making our favorite roast tonight and a pie made this morning.  Comfort food for us.  The kids have all talked about the way they feel over the losses and I think they are doing well.  My little ones teachers are such caring and loving people.  They have given him lots of love and support over the last couple of weeks.

The Good Things...
My little family
Wonderful teachers
Money in the rainy day fund so that I don't stress when things like this come up
Carla's bread recipe that is now all my kids will eat! (hate store bought!)

Things that suck...
wisdom teeth
even when your brain understands that everybody has to die someday, that ache that sits in your heart and the tears that roll regardless.

Sad week

You know that something is out of the ordinary when I pull out the ironing board!

It's either:

1. Wedding
2. Graduation
3. Funeral

Sadly its #3.  One this weekend and another impending as my hubby's grandma is "compassionate care" and all of the family has been called in.

My stress is off the charts.  I have booked a hotel and will not be staying with my parents.  I choose to drive an hour each way to visit the family I want to.

Now I have to buy dress clothes for my little guy.  He hates dress shirts and sweaters that itch.  It will add to the miserableness of the entire event.

Saying Goodbye soon to two wonderful women.