Harpo I am the same way lately..Comfortable with where I am so not watching it. BUT wanting to get that last little bit gone here too...
OK so yesterday was my new start and I did well, good breakfast, good snack, good lunch, Get my shoes on, get on treadmill, start slowly, phone rings, Its the bank, I am excited thinking "finally a closing date", Banker says "main bank is fighting the appraisal, they think it was fixed", My hope falls to the deepest part of the earth, Banker says "if you can give us another 10,000$ I can get you your loan", yea sure just let me get that real fast YEA RIGHT!!...He tells us to pull it out of hubbys retirement, I remind him that just a month ago he made us pull money out of there to pay off some stuff and prove we have closing costs, so thats 25,000 out of retirement (if we could pull out another 10 which we CAN'T)...I DON"T THINK SO that is our RETIREMENT!! Got off the phone, cried for about 30 minutes, folded up the treadmill took off my shoes and ate until i threw up. Then went and got the kids and had to explain to them that we may not be moving, they cried their eyes out which made me really mad at that main bank. we have done EVERYTHING that the banks (both local and main bank) have wanted, we have opened up our personal life, personal records have been turned over to them, signed 3 different contracts, and now they are saying that the appraiser fixed the appraiser to help us?!?!?!? we DON"T KNOW HIM!!!! I am so upset...BUT Hubby said not to worry, we will give it a couple of years, take our house off the market, fix it up a bit more, save as much money as possible, then start looking for another house...My only thought is that it will be impossible to find another house so close to our dream home...BUT I can't stay depressed, Hubby already feels like he has failed, and I can't add to that by looking down all the time. The house we live in is not a shack or anything, its just getting smaller it seems as the kids get older(its 1136 Sq Ft), and there are alot of things that need to be fixed, and we just didn't want to mess with fixing all of it. Our faith though leads us to believe that things happen for a reason, so if we end up losing this house (which looks possible but things could turn around in our favor) then that house wasn't meant for us. If it is meant for us everything will fall into place. It just hurts to know that my dream home is right down the street in the town I love and someone else may get it
Got up this morning and started off awful and its only 5:45am...Well not totally bad I had snack size sweets and not full size and I only had 2 before I came here. I am better today, not excited about not being able to move but we have been happy in this house for 4 years, I am sure another 2 will be just fine...It will be fun to fix it up and get our hands dirty in home improvements, but Part of me wants to jsut cry...but I WILL NOT binge today like I did yesterday, I was in pain all day even after i threw up...
If you read all this THANK YOU I am sorry for yet another long POOR ME post but typing it all out has helped, just as i knew it would.
Hope Everyone is having better times lately....Ellis I am sorry to hear you are down as well Hopefully we can all start off September in good spirits and in total control...
to all the newbies that have joined us. wonderful to see you all
monday i binged but today i did good - no bingeing. wasn't perfectly healthy. i ate a microwave dinner but i resisted the call to bake something naughty for dessert so all good
catch you all tmrw
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sharon - that is rotten rotten news on the house. and i don't like the sound of your banker!!! here's a thought. can you get another appraisal? i know it costs more money but if your heart is set on it then maybe it is worth pursuing
i know it is horrible to have to give up on your dream. but please don't think it is the only "perfect" house. you can magic up another one somehow.
something i didn't understand. your banking system is obviously different. what do you mean when you say you have a banker who is phoning you, and a local banker and a main banker. and for heaven's sake... what banker in his right mind tells you to take money out of your retirement fund i used to be a money advisor (that was what i did on tv) and i can't imagine telling anyone to withdraw from their retirement fund.
so that leaves me with my second question. can you get another banker or mortgage broker cos quite frankly the one you've got sounds as unethical as all get out.
If you read all this THANK YOU I am sorry for yet another long POOR ME post but typing it all out has helped, just as i knew it would
long posts are fine, but it would really help me if you could hit the return key a few more times to break the thing up into small paragraphs. others might be different but i find that it's easier to read a few lines at a time
sharon sorry to hear about the house, keep the good attitude it is fun fixing up an old house, i've been working on mine for years. stay strong girl everything works out in the end.
great job knot!! i'm with you today will be a wonderful day!
keep it going sweet pea!!
harpo you can do this!! no time like the present!
pgray, moonbeam and ww4life nice to meet you! hope you all have a great week!
me?? well yesterday was the best day i have had in a long time. i ate all good whole foods and moved around a little more than usual. at night when i would normally run for the kitchen i ran to the bath instead, washed my face, brushed my teeth, put on my jamies and the went to bed. i'm shooting for the same today!! wish me luck.
if i missed anyone sorry hope you all have a great day!!
LOL sweet Pea I was p!ssed!!!!!!! But yes because of the loan amount we are having to go through our local banks main branch. Our local banker is the one that is calling me with all the info and he is also the one telling me to take stuff out of hubbies retirement (told us to do this 2 times mind you). But the Main bank is the actual decision maker.
I asked hubby about the going to another bank thing last night and he said that actually our credit is prolly not good enough for another bank to trust us. 6 years ago we had some problems and the stains are still on our credit ...The bank we are going through now is the same bank we have been with since hubby first opened a checking account at the age of 18, right before leaving for the Air Force. We have been loyal and NEVER late on payments so our credit is better there than at another bank. Another bank would look past the good standing with our current bank and just see the dirty stains that will take another 3 years to remove...
We are not dead beat non payers of bills I promise, we tried to help some people out and it burned us, they are living the high life now and we are paying for trying to help them.
To tell you the truth Hubby is so mad at them right now that he may just tell them to forget it (although he will use a different F word lol). In a few more years our credit will start fresh and our credit score will be really high SO I think he just wants to let this work out, and if they don't like the next appraisal (which they already ordered) then its done If they call tomorrow with a closing date I will be ecstatic BUT now I am ready for the let down JUST IN CASE..
Ok now I gotta go eat, I have been good today (since the snack size thingies) and its time to eat breakfast now...Kids are off to school, it is quiet here....so I am gonna relax as much as possible. Well when im not busy with laundry and cleaning that is....
Hey, everyone! Welcome to all of the new people... we're glad to have you here!
Sharon, I'm so sorry about your house. We've missed out on a few houses in the past... houses that I've wanted SO badly.
Sending you a big hug, sweetie... things will work out for the best, and if you don't get this one, you'll find an even better one.
Harpo, you have been kicked. Let's pull ourselves together.
Jodi, you, too.
Chris, I hope you managed okay on the plane.
I've got to get some breakfast NOW before my day is shot.
Let's all have a good one... eat well, don't starve yourself, and move your body!!
hey all,
Sharon, Im so sorry about the house. We have lost *the* house before cause we couldn't get a down payment fast enough..I cried for days. I still think about that house.
I have been on holidays for the last 10 days,,,of the last 9 days I have been down right bad 2 times. Hoping tomorrow we are able to leave...seems we have a hurricane coming our way. We are in central Florida right now.
Sharon- I just went through a similiar thing with moving out here it just breaks your heart. Because our credit is bad from my husband's gambling (7 years ago) we just couldn't get a loan for more than $180 K, in CA thats impossible. I cried and cried. So here we are looking at rentals. BLETCH I wonder if we will ever be home owners.
Hi everyone! If I had time I would take time go through everyone personally!
Food is awful. I feel bloated from being on the plane and they keep bringing these huge servings, I keep pushing back but even hubby is trying to feed me. So minor I am so fat crisis this morning. I will find my inner calm. I will find my inner calm. I will find my inner calm.
Just wated to drop a few lines, I will write more later when I have the time.
I was binge free yesterday!
And i visited my Gyn. And the result is....that we donīt know anything. He thought that it is ot normal that I am not losig weight (thanks for that), but he had no idea why. Part of the problem is the PCO syndrom, but another problem could be my thyriod. And my Gyn is quite sure that I am insulin resistant and on my way to be a diabetic... yeaha. So I have to go to a different doctor tomorrow who has to send me to some specialized doctors so that there can be tests done.
But the Gyn praised me for doing so good with my eating behavior and exercises- and itīs a huge success that I get my eriod quite regularly at the moment. This is due to my new lifestyle, before it I just had my period two or three time a year.
I hope everyne is having a nice day with some amount of binge free time!
Oh, Sharo, just read your last posts- I am so sad to hear about your house !
But maybe there is really a good reason for not being able to buy the house now. It was close to our dream house, but maybe next time it is your 100% dream house.....
i guys! can i be a member of binge free week. I NEED it. im a newbie member
I am sorry for yet another long POOR ME post but typing it all out has helped, just as i knew it would.
to all the newbies that have joined us. wonderful to see you all
i used to be a money advisor (that was what i did on tv) and i can't imagine telling anyone to withdraw from their retirement fund.
long posts
Let's pull ourselves together. 
