Dodging a Bullet

j50g0dd

I think I’ve figured out where the little gremlins in my head are directing their mischief.  The little bastards have aimed at my credit card.

I’ve been VERY reluctant to use my card while this whole house buying process has been going on.  With my credit rating under the financial microscope, I’ve been given the usual warnings of “don’t buy anything unusual on credit,” to “Don’t buy ANYTHING for the house until you have the keys,” finishing with “Don’t transfer money between your checking and savings without letting us know.”

Yea, I get the reasons why.  The bank can pull your credit scores right up to the morning of the scheduled closing.  If those numbers shift, they can deny the mortgage until the minute you’re sitting at the table and signing documents.  They base your ability to pay for the metric shit-ton of money they’re lending you on how much you earn AND how much you already owe other banks like themselves.

I’ve heard the horror stories about people who’ve bought new cars (we’ll have a garage to fill) and new boats (lakefront property and all that) and that high-end furniture set (but the stuff in our apartment is OLD…) days before closing on the house, thus rending their credit incapable of supporting the bank’s formula on debt-ratios.  Closings didn’t happen in each of these cases.

I will not be yet another horror story!

Well, the gremlins are chomping at the bit to go out and spend like wild things.  It doesn’t help that I’ve been ‘researching’ for months, and have composed a huge list of things I’m gonna need to properly set up house in the house.  It also doesn’t help that my credit card has been in time out status for those months, and it REALLY doesn’t help that Mom’s IRA disbursement deposited the beginning of July and remains secure in my savings account, waiting to be spent on the house.

Finally, it doesn’t help that Amazon is running their Prime Day promotion today, and they’ve taken a third of the cost away from a new Kindle.

I need some sort of internet connected device in Chainmaille Central.  Research, Etsy listings, supply purchases, music, etc…all have to be accessible in that room, but don’t really need a fully functional computer.  Having a Kindle down there, paired with a bluetooth keyboard, is the perfect compromise.

I almost hit the ‘buy’ button today…

source

As I hovered the mouse over the pretty orange button, I could hear the gremlins celebrating.  There were high-fives going on all across the landscape of my brain, and I think I heard the popping of a cork and glasses clinking together.  I was saved at the absolute last minute by a couple of things.

  1. I JUST got a replacement card in the mail and activated it on Saturday (they must have changed out the little chip in the card or something?) so before completing a purchase on Amazon I’d have to update my CC info, which is kinda a pain in the ass.
  2. A cool voice of reason chimed in.  How it was heard over the clamor, I’ll never know, but I’m very happy to have heard it say “Is saving fifty bucks worth jeopardizing the house, moron?”

I’ve never been happier to call myself a moron in my life 😀

I’m at 11 days to the closing!

 

Advertisements

Not So Wordless Wednesday

First, I would like to apologize for anyone out there who’s sick of me posting stuff from Amazon.  I do have my reasons for haunting the bigliest online shopping supercenter lately, something about an impending home purchase and how I am currently on a credit-card time-out.

 

They always say…don’t buy anything for the house until you have the keys in your hot little hands.  So I’m not actually buying anything…I’m just electronically window-shopping.

Chainmaille Central

I’m currently at T-minus 16 days to the closing, and the excitement is beginning to build.  Chainmaille Central is near enough to smell the … whatever the hell those basement smells are…

 

 

Aaaaanyway…back to Amazon…

The SQO has discovered the joys of Tiger Balm for the stiff muscles along his shoulder and spine.  We borrowed some from the kids, and we’re rapidly approaching the point where we’re gonna have to replace their bottle, because he swears the stuff actually works.

Smells to high heaven, and it’s impossible to wash off my hands after I’ve spread it out on his back…but the relief is worth it.

The stuff is kinda like hopped up Ben Gay.

Now, because I was at home and finally asked the kids what this stuff is called (because the label on the jar is all Japanese (or another Eastern country’s lettering…they all look the same to me…) writing, the computer was close at hand when I got my answer.

Naturally, I jumped on Amazon to look the stuff up…and found an awesome review…

Untitled

After such a glowing review, I couldn’t NOT put that in my cart, no?