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Heart of Darkness

Breaking Point

Posted on 2007.08.12 at 08:24
Current Location: 76023
Current Music: BTTF Trilogy; Harry Potter x5; Firefly
Tags: , ,

I broke down and cried.
In front of my wife, no less.

After all this shit with the house - coupled with the fact that I still don't know how I'm going to come up with $8000 by the 31th - or the odd $2000 I may me short if I do...I'm gambling on so much. I'm gambling on my relo arriving on time - by the 31st; we have to close in this month or else I'll be held hostage for another $3000 I don't have. I'm gambling on getting funded - by Monday now, if the house has indeed closed - I don't even know that! was just as busy on the phone & fax Friday as I was the day before during all the drama (still no money from the sale of the house) and on top of that, as I'm driving home (to quickly change clothes and drive to my parents house for the weekend) it dawns on me that part of my relo - what I've put a stake in on the closing of the new house - was based on my agents commission: I get refunded for that. And both agents credited $1500 of their commission to get the house sold. That's money I can no longer claim, yet I still need to claim and receive $8000 in just over two-weeks time plus find somewhere another two grand still...Too many demands (I'm not paying enough attention to my friends or family, apparently) everywhere I turn. And amidst all this, I'm still expected to do my job. My day started at 0400 this morning for a 10-hour project.

I get home, and my wife wants us to move the closing up earlier than the 24th.

I stare at her blankly.

She wants the children to be in the house prior to school starting (the 27th) the Monday after we would close on that Friday (the 24th), not four days after (the 31st). She's very upset by this change of plans.

I don't even know if the kids are going to have their own home to live in, let alone whether it's three days before, or four days after school starts, and if we are, if they'll have food to eat the first month we're there.

I thought she understood all this.

I couldn't handle this latest requirement, and lost it.

I can't remember the last time I cried. I usually handle stress fairly well. I don't "love chaos" like drax0r claims he does (though hearing him glibly state that and watching him in the middle of a fiasco are two very different things) but I think things have been building up way too much these last three months.

Once we purchase the house, everything should be fine. Its just scraping together this enormous amount of cash in a given period which has proven...challenging.

I won't say that I'm calm now; its still there, just under the surface, but my wife has brilliantly outlined a solution that just may work. Its not my favorite thing to do, but I think it will do the trick. We put all purchases the next two weeks on the credit card, and keep 100% of my paycheck as ready-cash for closing.

This may actually work.

Comments:


JaceMan
jaceman at 2007-08-12 16:39 (UTC) (Link)
*pats you on the back and gives you a man-hug*

I myself usually handle stress pretty well... when you remain forever in stressful situations you get to where you MUST learn how to cope. That being said, the last 18 months have seen tears flowing like Niagara from mine eyes. This has proved to make me feel a bit foolish, but has also proved quite therapeutic. If the water feels like it's going to come, let it come.

Also I'll be in prayer for you my friend, and if you do need someone to talk to you're always welcome to grab a telephone.
ehowton
ehowton at 2007-08-12 16:44 (UTC) (Link)
In the stress wars, you win. My last three months seem petty compared to your last 18. I'll take all this over again twice before I want to be anywhere near where you have.

But thank you.
galinda822 at 2007-08-12 17:47 (UTC) (Link)
I so wish there was something I could do to help you with all this! You know if I had the cash I would instantly, without hesitation give it to you! Since I don't however, please let me know if there's anything else I can do to help you and your family - anything at all.

It stresses me more than you know to hear that this has caused you to break down!
ehowton
ehowton at 2007-08-12 17:54 (UTC) (Link)
Thank you. And what a beautiful, touching avatar to use. Thanks you for that as well.
prog_guy69
prog_guy69 at 2007-08-12 17:52 (UTC) (Link)
Cyn and I had to do something similar when we closed on our house. We had to have X dollars in a joint account and my credit cards could not go up from when they checked my credit a month prior to closing. We also had to purchase a living room set and refrigerator and freezer -- all without dropping our account below a certain dollar amount and without adding to my credit debt.

We waited till after the closing to buy the fridge and freezer and the furniture didn't hit my card until the delivery date (three days after closing).

I'm sure things will work out, it may be tough for a couple of weeks, but after all is said and done, you and your family will have a wonderful home to live in. I wish you all the best. :-)

Keep those spirits up!
ehowton
ehowton at 2007-08-12 18:06 (UTC) (Link)
Yes, it gets crazy doesn't it? I'm actually bringing a lot of this stress on myself by refusing to put less than 20% down - and by buying down my interest rate. The ONLY reason I'm able (or not, apparently) is because my bank isn't charging me any closing fees.

Of course I've been juggling rates & lenders & fees now for nearly a fortnight - trying to fit all the pieces of the puzzle together.
Renegade
leonardii at 2007-08-12 18:29 (UTC) (Link)
You were certainly right about this entry.

I'm going to a special Mass this afternoon. It will be at the actual church where I received my Confirmation and first Communion.

I'm thinking - this is no coincidence, but it's a moment for me to come back to the place where I was truly cleansed, and it's a special time and place for me to help a friend.

Today my friend, I shall be down on my knees for you.
ehowton
ehowton at 2007-08-12 18:39 (UTC) (Link)
Thank you. Your selflessness never goes unnoticed.
Codekitten
codekitten at 2007-08-13 01:48 (UTC) (Link)
*hugs*

i like the credit card idea. it's perfect. breathe in breathe out. i'll keep my fingers crossed for you.
ehowton
ehowton at 2007-08-13 21:36 (UTC) (Link)
Thanks! We just got the wire from the sale of the house in STL. Hurdle one down. I'll try to remember to breathe...
irulan_amy at 2007-08-13 02:56 (UTC) (Link)
*hugs*

That is a lot of stress to deal with, and from my experience, financial stress is some of the worst. I imagine it's even more so when you have a family, and not just yourself, to worry about.

The credit card idea sounds like a solid one. Two weeks worth of purchases hopefully won't add up to much, and you'll get it taken care of as soon as your house craziness is sorted out...
ehowton
ehowton at 2007-08-13 21:38 (UTC) (Link)
Thanks. Solid. I like that. And you're right, it'll be a drop in the bucket compared to everything else. I still have a house over my head thanks to the generosity of drax0r and his family. So I've got that going for me.
CeltManX, Devlin O' Coileáin
celtmanx at 2007-08-13 09:13 (UTC) (Link)
I am so sorry you are going through so much strife!!!


Let me share with you an old Irish proverb. Keep your chin up we might eventually get the English to leave. They said that 500 hundred years ago, yet they keep on trying.

Never give up!!!!

Never surrender!!!
ehowton
ehowton at 2007-08-13 17:44 (UTC) (Link)
Thanks. And I appreciate you quoting Galaxy Quest especially since you look like Mathasar!
wardlejew
wardlejew at 2007-08-13 14:47 (UTC) (Link)
I say this only because when I say it or hear it I usually feel better, and by reading it I hope you may feel a little better too.

Buck up little camper. It'll be okay.

The greatest rewards come from the greatest work. Remember the top three accomplishments are the most important. Wife, family, and friends. Look at your post and the comments and you can see you have those for sure.

Still, I'm hoping all goes well from here on out with the house.

ehowton
ehowton at 2007-08-13 21:40 (UTC) (Link)
You had me at 'little camper...'

Thanks dude.
(Anonymous) at 2007-08-15 14:19 (UTC) (Link)

Need a tissue?

Perhaps a little better planning on your part and you wouldn't have been in this situation.
ehowton
ehowton at 2007-08-15 14:59 (UTC) (Link)

Re: Need a tissue?

Perhaps.

This is my fourth home purchase. Its nigh impossible to not miss something along the way.

In my case, it was the pay-periods this time.
Re: Need a tissue? - (Anonymous) Expand
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