July 2, 2015

No New Investment Property for Us

I don't know if I'm sad or relieved.  It changes every couple of hours.  I really wanted to purchase the foreclosed condo.  Especially if we could get it for only $50,000 - $55,000.  It would be a great investment.  But we couldn't get the financing figured out.

In order to purchase the Condo we had to put 25% down plus pay closing.  But if we put 25% down then it would bring the loan to under $50,000.  I guess there is a rule among banks that a mortgage loan has to be a minimum of $50,000.  After days of calling people, I've given up.  I could probably try my luck with a credit union.  I called a couple times and didn't get a hold of the person that could answer my questions.  So I've given up.  I guess it's not meant to be.

I'm sad because it would have been a great investment, in good condition at a great price.  I want to have more investment properties but we've never owned a real house.  The only experience we have is with condos.  We love having limited responsibility for the property.  We are responsible for the interior and major appliances but we don't have to ever worry about replacing siding, getting a new roof or anything structural.  Investing in condos just works for us.

I'm happy because this investment wasn't something we were planning on doing at this time. I've been paying extra money each month on my car, the mortgage on our rental unit, and on our new HVAC systems. If we had planned on purchasing a property sooner rather than later, I would have been letting that extra money build up in our savings account to have more of a cushion.  Plus we only have 1 more month of childcare and then we are done!  Little R starts all day kindergarten in August.  We had planned on using that extra money to pay off some debt, build some extra savings, save for a nice trip and save for a down payment for a new investment.  If we had moved forward with this purchase, all of the extra money would be going towards the new property.

June 30, 2015

Another interview down....

Not sure how I did.  I think it went OK. But of course they have interviews all these week and next.

I am lucky to still have my job when so many people at my work have lost theirs.  I can't imagine how frustrating it must be to be searching for a job right now if I was out of work.

I feel like I'm viewed as under-qualified or over-qualified for each job that I have interviewed for. Blah... I'm about to take a break from the job hunt again.  I spend hours searching for jobs and applying for them.  I am wasting all my vacation time to go on these interviews and spending hours researching the companies to prepare for the interviews and it hasn't gotten me anywhere.

I guess I'm having a pity party today for myself.  I just found out yesterday that a job I really really wanted picked someone else. I took two mornings off to interview for this position.  I was told they would probably do 3 rounds of interviews.  It took 2 emails from me to find out they filled the position.  How inconsiderate.  I'm wasting my vacation time to come talk to you and you can't even bother to tell me when the position was filled?

Sigh... I'll be better tomorrow.  End Rant.

June 29, 2015

The Girls' Birthday Gifts

My daughters' birthdays are coming up.  Big R's is August 4th and Little R's is September 4th.  I went through the gift closet this morning to evaluate what all I have purchased for them.  Since I buy gifts on clearance in advance, I sometimes have to remind myself everything that I have purchased.

I don't think we need to buy anything else for Big R.

From the Gift Closet:

2 sets of pajamas and a Monster High Robe - $3 each, Littlest Pet Shop Set - $4.99
My Little Pony Tattoo Pens and Share or Scare Game (don't remember exact
price but I know both were less than $5 each on clearance), pop bottle lip glosses-
$.80 each on clearance
Estimated Total - $25.60
Big R's Other Gifts:
She's been asking for a kitchen for her American Girls Doll that Target sells. It was originally $65 but I happened to see it on sale a few weeks ago for BOGO 40% Off.  So I picked up the kitchen for her and a nice closet for Little R. I also picked up 2 Our Generation Doll outfits with matching books on sale for $12.99 each plus BOGO 40% Off, one for each of the girls.  Kitchen = $52 after sale price, book + outfit = $10.40.  All together, we spent around $94 including tax on 9 gifts for Big R's birthday.  Not bad!

Little R's Gifts from the Gift Closet: 

2 New dresses for Kindergarten and a pair of pajamas - $3 each

And for her Our Generation Doll:
Closet - $52 on sale  + she'll get an outfit with matching book - $10.40

Not sure what else we'll get Little R.  She loves to dress up and she's definitely a shoes girl.  We just had to get rid of her sparkly pair of shoes that were worn out so I might try to find some new sparkly, glitter shoes for her either on clearance or at the resale shop.