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We Bought A House!!!!!

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We did it!

After endless back-and-forth negotiations, a variety of snags and snafus, and having to change our closing date not once but TWICE, we are officially home owners! YAY!!!!!

 

KONICA MINOLTA DIGITAL CAMERA

Image source. Note – this is an image that came up in a search of “Arizona houses.” This is NOT our house. As I said before, I won’t be showing a picture of our actual house.

 

We actually closed about a week ago. It was nice because it was a couple days before our 6th wedding anniversary, so we joked that this year for our anniversary we bought ourselves a house! Lol! Go big or go home, right? : )

Shout out to our families who have been so helpful! My Mom helped us with a portion of our down payment and both of our moms have been here recently (first hubs’ mom came out, then my mom) so they have helped with packing, entertaining the girls, and getting everything ready for the move. Hubs has also done a ton. Funny story – this isn’t the first time that the bulk of moving duties have fallen to him. At least twice before I’ve been gone/out of town during moves. I have left with things in disarray and returned with everything moved into a new space! Ha! This time I wasn’t entirely absent (I haven’t gone out of town), but I’ve been pretty busy with work so hubs has definitely taken the lion’s share of packing and boxing and moving. He started with cleaning and moving pretty much immediately after closing but it didn’t become official (aka: we didn’t sleep in the new house) until this weekend. Now I can’t wait to get out the holiday decorations and go to town! : )

This is random but….does anyone remember this ancient blog post? The post (almost 2 years old at this point) was about the thought of having hubs get a vasectomy. GUESS WHAT’S HAPPENING TOMORROW, Y’ALL!!!!!!!!!! ((insert giant grin here))

Sorry, let me try to contain my excitement (hehehe!)

Poor hubs – he’s not so excited. What a way to be rewarded for all of his hard work in the past week! But I, on the other hand, could not be more thrilled!!! We’ve known that we are done having kids for awhile, but having the little snip-snip is the last thing to make it really super-duper official and I can’t wait! I’m taking off early tomorrow so I can drive him to the appointment, as he’s got a prescription sedative to help him relax and he’s not supposed to drive on it (for a man whose usually cool as a cucumber, he’s pretty anxious over the whole thing). Then back to business as usual.

I’m really looking forward to the end of the semester! I feel like such good things are on the horizon – new house, hubs starting back to school, a new year, etc. It just feels like a fresh start or a re-set of some sort. Not that this year has been bad (in fact, there’s been a lot of good), but I did call summer 2016 the summer of death and I’m excited to see what new adventures lie ahead for us as a family.

On the financial front – I may have lied. I said I was going to refinance my student loans THE SECOND that the house deal went through. But now that I’ve been thinking about it, I’m not so sure. I still have 9 months left of interest-forgiveness for my subsidized student loans (through IBR), so now I’m thinking I might only consolidate the unsubsidized loans and leave the subsidized ones for the time being so I can get all 9-months worth of interest-forgiveness before I throw them into the consolidation? However, I have issues with Navient every time I turn around, so I’d love to rid them from my life. In the end, I think I’ll do nothing this month. Over the winter break I’ll start my investigation into student loan consolidations/interest rates/etc. and probably make a more concrete decision before the end of the year (because that will greatly impact our financial goals for 2017).

Anywho, I gotta jump back into work! I hope your Mondays are off to a good start (look at me actually blogging on a Monday – pat on my back) ; )

Talk soon!

~A


Grin and Bear It!

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Hi all!

I hope your weeks are off to a nice start! It’s still stifling hot here in Tucson (mid 90’s over the weekend), but we’ve been packing in lots of fun fall activities! This weekend we went to a pumpkin patch and the kids had an absolute blast! As they get older it’s so fun to really celebrate and enjoy the holidays together!

Today I just wanted to give you the latest on my Navient grievance that I aired last week. Basically….it’s gotten worse (is that possible? yes, yes it is).

My payment due date is the 10th. Recall I was being overcharged by $500/month and was told they would not have it resolved by my October payment, but it should be shortly thereafter. So I logged into my account like a fun little game – how much have I been charged???

Only I see a long line of red exclamation marks and this message:

PAST DUE!

PAST DUE!

PAST DUE!

PAST DUE!

PAST DUE!

On every one of my Department of Education loans (strangly, the federal loans were fine).

Ummmmm…..how can that be? I’ve been on auto-pay for over 2 years!

I call up to Navient and am informed that – somehow that no one can quite explain – my auto payment withdrawal has been removed from my Department of Education account. ALL of those loans are past due.

I asked if this was related to their overcharging me to the tune of $500/month?

They don’t know.

I asked if this would affect my income based repayment?

They don’t think so.

I asked if the monthly debit has been corrected?

They don’t know.

Then they ask if there’s anything else they can help me with.

Ummmm…..you didn’t really help me with anything, now did you???

(Ultimately, I was instructed to make a one-time payment for the month of October, then wait a week and call back again to see if everything has been fixed. Yeah, won’t be holding my breath holding out hope for anything positive to come of this).

And as if Navient’s nonsense isn’t enough to make me rip out my hair – our house closing has been pushed back. After the inspection we’d negotiated for some additional repairs to be done and I guess it’s taking longer than expected. So our closing has been pushed from the 14th to the 28th, pending everything getting done in time. Bummer.

On my last Navient post a couple people commented and asked about private student loan consolidation companies. Just to reiterate – I’m not doing anything until the house deal is closed. But I’ve been researching and looking at SoFi. They’ve got good user reviews and seem to be a reputable company. But we have such a broad readership here, I’d love to ask for your opinions!

Have you ever done a student loan consolidation through a private company? What were your experiences like? Good, bad, ugly, etc??? Would you recommend your company? Why or why not? I’d love any info you can provide!

And, just for fun, do you have any fun Fall plans on the docket this month?? I wish we lived closer to an orchard! There’s one about 90 minutes away, but our weekends are pretty full. Maybe in November we could make it out there – I’d love to take the girls to pick apples and just enjoy the experience! Do you have any annual Fall traditions as a family?


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