While I was vacillating over my home buying related decisions over the phone, my mother chimed in with some sage advice this evening. She knows me well enough to get that I’m nervous and twitchy about jumping back into the adventure of home ownership after getting caught in the 2009 meltdown. I was griping and complaining about the bills and fees that were hitting long before we even sat down at the closing table. Being who she is, mom has never shied away from asking the blunt questions, like “can you afford this?”
In the back of my mind I knew the answer. I’ve spent months crunching numbers and coming up with precisely where I need to be for the accounts to balance. I responded reflexively by ticking off the expenses that will go up, those that will go down, rattling through estimated fees and expenses from memory, covering the details of my good faith estimate, the downpayment, closing costs, and my best guess of moving expenses.
That’s when she reminded me that most people approaching 40 who run out to buy a family homestead are doing it on two incomes while I’m clawing it out on my own. A few years ago I’d have probably taken that as a sideways commentary about my lack of marriage and production of grandchildren, but we seem to be over that particular hump. Instead I took it as a reminder that I’ve basically always been a one man show – and even when it seemed that I was walking a high wire I’ve generally had the facts and figures on my side. Not to mention luck. There’s always been a healthy dose of that following me around.
Moment of doubt averted. Carry on.
1. Purpose. I don’t think everyone needs to go around all day every day at 1000 miles an hour with their hair on fire, but I do think we would all be better served if people would at least drive with a sense of purpose; as if getting from their point of departure to their destination was actually important to them in some way. Instead, what I find most every afternoon is a mass of people wandering the highways and byways as if they haven’t a clue where they are, how they got there, or what they’re supposed to be doing. Even if we can all agree to move with purpose between the hours of 4:30 and 7:00 PM, I truly believe the world would be a better and more harmonious place.
2. Flashing Lights. While I’m on the topic of roads and transportation, this might be a good opportunity to give everyone a refresher on flashing traffic lights at an intersection and what they mean to you. Red, almost universally means stop yes, even when it’s flashing. Unless Mr. Williams taught me the wrong skills lo those many years ago in drivers ed, yellow flashers hanging above the intersection mean proceed with caution. It should be noted here that it is not an alternative method of telling drivers to stop. Sitting in your car at a flashing yellow light yelling at me while I’m sitting at a flashing red makes you look like an asshat or maybe more like an ignorant skank. Possibly both.
3. Doubt. I like to ponder. Having the time to sit and think has always been important to me. Unfortunately I also have a tendency to spend an inordinate amount of time dwelling on slights both real and imagined. I’ve been afflicted with that particular problem since I was a kid. Although I’ve learned plenty of coping skills to keep those rough edges from showing too much, I still feel it acutely. I hate how even a momentary doubt can seep in and color every other thought and decision for days on end. I hate that I sometimes take counsel of my fears despite all my best efforts to the contrary. It’s without question the one element of my personality that I’d most like to change.