Almost out of the Woods

We are almost out of the woods after entering them today. We have finally entered a contract on a desirable home for a whopping 195K. Not my ideal number, but fuck it this market is awful and I need to gtfo of the living situation we are in now.

That is going to be a 185K loan and the associtation fees are 175/month which is like 1400/mo or a little more not so bad.

Next steps are to get a full inspection, then get homeowners insurance on the property and deal with the underwriter, possibly simultaneously.

Then there is the 5K escrow payment I have to make and then later pay 5K more to close the deal. This doesn't include the possible 5K in closing costs... looking at 15K, this doesn't include moving and a very very very small amount of renovations. Paint and organizational units. IE: getting the closet furnished so we can be organized properly.

Oh boy... this going to be something.

Finally, when this is all said and done, I will be more than happy to start paying off my student debt. Just pay off gobs and gobs of my 29K debt.

Transfers

I finally have been accummulating wealth as opposed to losing it. I had the pleasure of making a few large transfers from my main accounts to my high yield account. Like packing gun powder down the muzzle of a vintage rifle. So I have been back packing my money finally, it feels good.

This year is going to be a good year, I can feel it. I don't know why, but I just have a hunch that things are going to be looking up for me and my wife.

Anyhow, back to the main monetary agenda at hand:
1. Buy home
2. Fix immediate problems of newly aquired home
3. Start paying off student debt
Far into the future:
4. Reaccumulate funds
5. Work on retirement funds and plan
6. Sell home? Only if market conditions are right. No greed here. Or pay down home, buy new home and rent old one.

Project goals:
Keep working on projects as I feel necessary, no more forced work.

House Hunting

As of right now in South Florida, if you are house hunting and you don't have a 30% down payment handy, then you cannot buy a condo. That leaves you with town house, fee simple and single family homes. Basically you are fucked because a majority of those are in very poor shape and/or in foreclosure or short sale.

I am having a very hard time finding a home because the market for people who do not have the money for a condo are fucked. So fuck me, this is ridiculous.

I need to buy a home so I can expand my life style right now for the peace of mind that I don't have to move again unwillingly. I hate my stupid landlord and I hate the rich douche bag assholes I live around. My neighbors all fucking suck. Fuck this shit. I am impatient and eager to move so I can finally get on with my life. I hate being held hostage in terms of finances, right now I am holding on to my money so that it is readily available for home purchase. Which sucks because it is preventing me from doing other spending. And I don't mean frivolous spending, I mean paying off my student debt. It is responsible spending I want to do.

I need as many monkies off my back as possible.

The Facebook Joke

The joke is on the users. Facebook is unfortunately as popular as it is because people are ignorant as to what FB is doing with their information. I just saw a video on Forbes.com that is clearly describing what FB is doing with your information without your consent. FB is showing posts that you never made to your friends. To make matters worse you are endorsing products or other things that you never once endorsed before. The joke is on you, because you won't see these posts on your page, it only shows up for your friends to see.

Congrats you FB fools, you are now living inside of spam site because you willingly contributed your personal information to a spam site.

Nothing is free.

I hate so called "social networking", it is a sham. If you were really friends with that many people, then you wouldn't be sitting in front of a screen talking to them, you would meet in person. The people that are most important to you should probably call you and have a conversation with you rather than "Liking" some stupid internet video.

Social networking is anything but social. It should be called antiscial networking.

Road Rage

I think the reason people get so mad on the road normally is because subconsciously we realize how dangerous the act is itself and it makes us very mad if someone does something retarded in around us on the road.

This of course has exclusions, some people have road rage cause they are dicks. Really they are just assholes who think they are more important than everyone else, the irony being that they are just breeding more road rage for everyone else. Those are the same people that we are afraid of.

I hate driving in miami because there are so many morons on the road and I hate being angry while and after driving it isn't healthy. The road rage is a way to deal with it. It is a byproduct of driving around so many poor drivers. The scariest part about the whole mess is how dangerous driving really is. All it takes is one idiot to be out of line and it can cause one hell of a disaster, especially on the highway.

Money to the Rescue

I got my bonus today. I knew I was going to get it, just wasn't sure when. This is fucking awesome news for me anyhow because it is going to help me with closing costs on which ever house I can land.

There is only one thing that is bothering me about my bonus, I am accepting money from the guy who I complain about often. I don't knw if that makes me a hypocrite or not. I don't think so, but it may very well make me one. The thing is I earned that money and I desperately need it anyhow.

Just makes me feel bad that I bad mouth him, with reason and then he turns around and gives me a bonus. Makes me feel two faced. I am going to swallow my pride and start to shut up when he is being a dick to me. I am going to still bitch about it here because I need an outlet, but I will minimize the chatter at work and try to work harder.

I am still trying to find a patter/approach for when things go into a lul. Which does happen but it scares me.

Milking the Money Cow

I've made the decision that I don't like my job and when the right time and opportunity presents its self I will be exiting again. I hate changing jobs this often, but for pete's sake this current job is anything but fulfilling and the drive sucks. I am going to continue to show up for a pay check and I will still do a good job, but I am painfully bored out of my mind here especially not having any say so in how anything is being done.

I will continue to siphon money away from here until I can break free in one form or another.

My biggest goal right now is moving into my own home and then paying off my student debt. I am just under the cusp of $30K (like $29.7K) which puts me at 5.8 payments of $5K left. I just can't wait to pay off all of that debt it makes me giddy to think about it. The chains will be gone and I won't have to worry about owing 300 dollars per month anymore which is my current loan payments per month. There is a lot of money I am losing right now because of this. I need to have enough in reserves before I can even think of killing off this stupid debt. As soon as I can I want to send 5K to my federal loans since the interest rate is higher and it will remove 1 of my two federal loans. That will only help me pay down my loans faster because then I will be paying down 2 instead of 3. I have 2 federal loans and 1 private loan. I will pay down my federal loans then I will take the payments I was putting into my federal loans and save it all up and refocus it into my private loans as quickly as possible.

Saving those 300 dollars a month will feel nice, that is 3,600 dollars a year I will have back for retirement. I love thinking about the future in this respect, it gives me something to work towards.

After those loans are payed off then it is time to focus on paying down the mortgage I want. If we can kill off that mortgage then we will live rent free which is fucking amazing. That is a dream of mine. Only have to pay insurance and taxes at that point - I am happy to do that. The money that will be saved is about 14,400 - 19,200 per year which is just impressive. This depends on how high the mortgage payment is each month. I won't be a slave to paying off my mortgage for 30 years, fuck that bullshit.

Dreaming big I guess... I need a space to call my own and so I can settle without having to worry about moving again. I just want a permanent residence, why is that so difficult to obtain in South Florida?

Bah... back to work I guess.