Oh, The Goodness of God

Nothing in this life is perfect. Whenever you buy a house, there are concessions to be made. The house I'm purchasing has many of the things my son and I were looking for. It's got 3 bedrooms, 2 bathrooms, a large living area that is open to the kitchen, the dining room is right off the kitchen and is more like a breakfast room than a formal dining room (which we prefer), there's a two car garage and lots of space between houses. I could see us enjoying this space that's neither too big nor too small. 

There were a couple of things that we had to consider, though. The current owners of the house stipulated in the listing that they intended to keep their refrigerator, along with their washer and dryer. The sellers are building a new home. They're a family of five with three little ones (one recently adopted), two very large Great Danes and a kitty cat. This house is too small for them now, so they need a bigger space, and they are understandably trying to save money wherever they can. But so am I. Purchasing a new refrigerator, washer, and dryer (plus other items that I will need) is a huge expense, so I offered a lower price than what they were asking, and they agreed. Wonderful! Except now I was gonna have to buy appliances in a market where there's lots of items on backorder due to the pandemic. I didn't want to wait to put my order in for these items; the refrigerator is especially important, since I need to store food as soon as we move in. So, I began scanning stores for deals.

I decided to check out Lowes and Home Depot. Both stores have good selections, good prices, and are near the new house as well as my current digs. I went online and compared what they offered, and it seemed like Home Depot had slightly better prices. Add to that the fact that Home Depot is closer to my daughter's house, and I was ready to place my order.

I went to the store to take a look at the appliances in person. It's one thing to see pictures on the internet; I prefer to take a good look inside and out as well as open and close doors and drawers myself. In speaking to the associate, I was told I could place an order for delivery in a month or more, but they couldn't take an order for delivery so far away. I would have to do it online. That seems odd to me; why is it I can place an order online with Home Depot to deliver to an address in Central Florida but the store can't? He said my only other option was to place my order at a store near my new home, but I didn't want to wait till I moved to get that done, so I told him I'd place the order online whenever I got home.

Before doing so, I thought I should check Lowe's again so I could verify that Home Depot had the better deal. Armed with brand names and model numbers, I looked up pricing, delivery options, and stock. I found one of the refrigerators I'd seen at Home Depot on the Lowe's website for $100 less; that was a pleasant surprise. The washer and dryer were each $1 cheaper on Home Depot's website; not too impressive. And then I saw it. How it had escaped me before I don't even know. It was right there, in plain sight.

Lowe's is offering a Buy More, Save More discount on their website (it's also available in stores) for certain appliances. These include all the appliances I needed to order. The more you buy, the higher the savings, up to $500! To verify, I went ahead and made an order on Home Depot's website as well as Lowe's website. Sure enough, by ordering from Lowe's I would save at least $500. Not only that, but I could order from Lowe's through Rakuten (formerly Ebates) and get 1% cash back - not a ton of money but every little bit helps. Home Depot didn't offer any discounts. At all. 

With tax and accessories, my Lowe's order came to $2,345.50. The same order from Home Depot was $2,800 before taxes and accessories. Y'all, that is a big difference! I believe God spared me of that. I was at Home Depot ready to place my order. I wouldn't have gone back to check pricing again once my order was placed. I only did it because I was gonna have to order online anyway. I know some people will think it's just a coincidence, maybe a lucky break, but I believe God intervened so that I wouldn't be able to place my order in the store. 

Whenever you place your life and your future in God's hands, He shows up in miraculous ways. It may seem insignificant to some people; after all, it's $500. Big deal. But to me it is a big deal. It reminds me that He is there for me, taking care of even the smallest details. I can trust Him with everything because in everything, He is faithful.

It's Never Easy...

Last Friday we received the news that we were clear to close. My realtor scheduled us to go to the title company right after the walk-thru Monday morning at 9:00. It seemed like everything was moving along like clockwork. Until the clock hit a glitch.

Originally the buyer had offered $5,000 above asking price. I thought that was odd, since there were no other offers on the table. Then I realized it was a technique he used to insure that I would accept his offer and no one else's. Once the inspection came in, he used it to drop the price down by $7,500. Since the new price was what I had anticipated the house to sell for, I accepted with the understanding that this would be the final sale price regardless of what the appraisal came in at. He accepted as well. The appraisal came in $5,000 below asking price, and the buyer agreed to bring $2,500 to closing. Well, sort of...

I think his realtor wanted to make sure she got commission for the original price her client had offered. To do this, she wrote up the new offer as his full offer with a seller credit of $7,500. My realtor told her this probably wouldn't be accepted by the lender, since it was $10,000 above the appraisal price, but his realtor insisted it had been done this way before successfully. Still, my realtor asked his realtor to verify with the lender so it wouldn't delay any paperwork. She finally agreed to, and found out my realtor was right. The lender would not accept this higher price as the selling price, credit or no credit. Another addendum was added to the contract where the buyer and I signed off on the final sales price and his realtor sent this in to the lender. Now everything was correct. Or was it?

I'm so thankful for my realtor. She received the settlement statement and went through it with a fine tooth comb. It didn't take long for her to find two mistakes: a charge from the HOA that should not have been there, and a credit for $7,500 that was never removed. She tried calling the buyer's agent but it was two hours before she finally got a hold of her. By then it was late in the afternoon and there wasn't a whole lot that could be done.

I didn't find out about this till Sunday afternoon. My realtor texted me to let me know there was a delay because, according to the buyer's realtor, "something happened with the loan." There needed to be revisions done, and she didn't know how long it would take, but we could still go ahead with the walk through on Monday morning. I was more than a little upset because I knew my realtor had told her from the start that what she was doing wouldn't work. 

Monday morning I was up bright and early, despite Daylight Savings Time. I couldn't sleep is more like it. I woke up before 6:00 am. I met the buyer and his realtor at my house at 9:00 and the walk through took less than 30 minutes. They looked around and saw that I'd left everything clean, which they were very thankful for, but other than the air conditioner and the hurricane shutters, they didn't really check anything else. I turned over the keys to his realtor, showed him where the mailbox is, and we left. At this point we still didn't know when the closing would take place.

Thankfully my realtor is on top of things. She emailed the title company trying to get an update. I guess she lit a fire under them because not long after she got the new settlement statement. She forwarded it to me so we could go over it, and what did I find? Two errors. They were charging me a ridiculous amount of money for some letters from the HOA, and they were also charging me March dues that had already been paid. This time I emailed the title company asking for an explanation. Within two minutes I got an email with a corrected statement. Y'all, if we hadn't checked this, I would have been out $555 that would have gone in the title company's pocket! It reinforced what I've always been taught, read everything carefully before signing anything! 

Once we'd looked everything over and agreed that it was correct, we scheduled my signing for 3:00 pm. As the seller, my paperwork is much less and quicker to sign. I got to the title company and the buyer was there, already getting his documents signed. I went in, and was out in about half an hour. The buyer was still there and probably had another 30-60 minutes left before he was done. But finally, all the papers were signed, and my house has a new owner. Hallelujah! I'm so thankful to God for getting me out of that painful and stressful situation. It's like a huge burden has been lifted off my shoulders.

I have to admit, it's bittersweet. I really did like that house a lot. I like the floor plan, I loved how I decorated it, I enjoyed the neighborhood and the location...it was just one person that made it impossible to live there any longer. My prayer now is twofold. I pray the neighbor receives the help he needs. He is clearly disturbed mentally and needs attention, for his sake and for the sake of those around him. My second prayer is that he doesn't cause anymore trouble for the neighbors, especially the gentleman who just bought my home. I believe he will leave the new owner alone because he's a bully but he's also a coward (as one officer told me), but that doesn't mean he won't harass someone else. 

And now, I wait. I won't close on my new home until mid to late April. God is teaching me patience in this season, and I'm willing to learn. 

The Week In Review

 Every time I've moved I've said the same thing: this is the last time I'm gonna do this. I hate packing, I hate the mess, I hate the work, and I don't want to do it again. Famous last words.

Guess what I've been doing all this week? That's right, packing. My house is filled with boxes. It's the kind of chaos that feels overwhelming and gives me anxiety. At the same time, I'm filled with hope for what God has in store for us in Central Florida, and that's what keeps me going even though I'm exhausted.

This is what you see whenever you first come up the stairs to my house. I took down all the decor from the walls except for the large clock, so I can see the time. I emptied out the bookshelf, then put some of the boxes in the cubbies for two reasons; 1 - to get them off the floor and out of the living room, and 2 - to see how well they fit. My plan is to fill the spaces with boxes once it's in the Pod container, so we can use every bit of space that we can. There's a lot of boxes and furniture to load, and we have to use the space to our best advantage.

Since I moved those boxes the living room doesn't look near as bad. I could barely get in and out of the living room thanks to all the boxes on the floor. This gives me a better idea of how it'll fit into the Pod.

Boxes in walkways, boxes on counters...

Boxes and bags and rolled up rugs in the dining room. The dining room table is leaning up against the mirrored wall, legs removed so it takes up less space as well. The bags are filled with throw blankets and pillows. I like using throw pillows to decorate, since it's an easy way to change up a look. I didn't realize how many I'd accumulated till I started packing them up. And here I thought I didn't have more than a few. 

I actually have two Pod containers coming, a large one and a small one. The small one will be the last to be loaded and the first to be unloaded. It'll contain all of our essentials: the beds, bedroom furniture, bathroom and kitchen necessities, things we need right away. I'm keeping these items in the master bedroom so they don't get loaded onto the first Pod.

The kitchen cabinets have been emptied out, and on top of the counters I've just got the toaster oven and some cleaning supplies. The cookie sheet is old and will not be making the trip. The pantry has some food items but those will be going to my daughter's house.

I've confirmed the first Pod for tomorrow, when we will start loading boxes from the garage and inside the house. Then Tuesday we'll have church volunteers helping us load the heavy furniture. I can't begin to express what a blessing it is to have this kind of help. My son E and I could never get this done on our own. 

The tiles came off the balcony. I was sorry to see them go, especially when the workmen confirmed what I already knew: the tiles were not the cause of the leaks in the neighbor's unit. It was a structural issue. I could tell just from the look of the slab whenever they removed the tiles. No cracks, no water damage, nothing to indicate any seepage of water anywhere.

Now the workers have to come back to smooth out the concrete so it doesn't look like this. I've emailed the management letting them know they have this week to get the work done before we close on the sale of my home.

My neighbor was in an uproar whenever he saw the men working on my balcony. He made all kinds of noises all weekend long, then stayed home from work on Monday just so he could slam doors, bang on the walls, throw things, play loud music and television, and make a general nuisance of himself. I emailed the management to let them know what was going on so they could tell him the work was being done for his benefit, not mine. He calmed down a little after that, but the noise hasn't stopped entirely. It's affecting my health in a negative way. I feel my anxiety rise whenever he starts with his ruckus. Add to that my allergies and asthma, and I can't wait to get out of here.

I have to remind myself constantly that, no matter how bad my circumstances seem, I have a lot to be thankful for. I was able to sell my home in just two days. I have my daughter who has opened her home to us so we don't have to pay for a hotel or a short term rental. We have food, clothing, and help from our church family. God has provided just as He always has. He is so good! It reminds me that I have nothing to fear because my God goes before me. He has a plan and a purpose for all this, and will use it for His glory.