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Saturday, November 17, 2007

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Hanging On.

So, we are waiting to hear whether or not we will be refinancing or hurriedly selling our house next week, the dramatic conclusion to our fall season (backstory here). It is not as easy as you would think for two freelancers (with a crushing amount of debt acquired in the absence of any start-up capital) to refinance a mortgage right now. You didn't think it was at all easy? Us neither, but we sure didn't think it would be this hard. We have been jumping through the lenders' fiery hoops for two months now. I didn't have to furnish this much paperwork to get my green card.

Last week, at the fifty-ninth minute of the eleventh hour, the deal hit a major snag. Our mortgage broker and our financial advisor have been busting ass ever since trying to get one problematic creditor to play ball. Linda, our advisor, has been calling us every day to tell us to just keep breathing. To say we are anxious would be an understatement. We are scared out of our minds.

Here's the good news. We love each other. Our children are healthy. We have friends and helpers. Patrick has lots of work again. We can sell our house if we have to. I can get a "regular" job if I have to. I'm not that big a deal. The world will keep on turning.

Friday, Linda called to say she is optimistic, but we won't have a decision until Monday. "Everybody get off the ledge," she ordered. "Stay busy this weekend."

So I am planning on tackling this:

and this:

It's a dining room emergency. I want to decorate for Thanksgiving, and I have about ten dollars to work with. That should give my mind plenty to chew on besides itself for the next 48 hours. You're welcome to follow: I've set up a flickr set called Holiday Decorating Xtreme Challenge. Gird your loins, and come on.



Blogger Deb said...

You are kicking ass--I love the idea of the challenge, but I'm letting go of decorating this year. Food is decorations enough!

3:32 PM  
Blogger AliBlahBlah said...

Oh God, I feel for you. We absolutely have to sell by next year, and I know how terrifying it can be.

Like you though, facing losing everything has opened my eyes to what is really important; health and family. We can always rebuild. Of course, it's easier said than done to tell yourself that when you wake up in a cold sweat at 3am.

I'll be keeping my fingers crossed for you.

4:09 PM  
Blogger SUEB0B said...

I am so impressed by you and your commitment to a freelance life. Also by your willingness to share your real-life, not cleaned up photos with us.

Decorating? I suggest lots and lots of fall leaves and apples.

6:31 PM  
Blogger Jennifer/The Word Cellar said...

From one freelancer to another, I'm sending good mojo your way, believing that all shall be well.

8:27 PM  
Blogger Tom said...

I'm praying for you guys.


10:23 PM  
Blogger witchypoo said...

Linda gives great advice.
Hey, it got you through labour, didn't it?
Prosperity vibes coming your way.

11:30 PM  
Blogger Marie said...

I'm afraid an artist friend will soon be in a similar situation. :( Sending you sympathy, love, and energy.

aand breathe... *haaaaaah*

I like the ideas of fall leaves. I've found prickly gum balls (the ones from trees), dotted them with glue, and sprinkled gold glitter on them. I'm not entirely sure you want glitter in the house at this point, but! there might be a related way to dress up that kind of free natural item.

12:16 AM  
Blogger blackbird said...

You don't even need to spend the $10...just rearrange!
That mantle is pretty...plenty to work with...I'm tempted to re-arrange the things in your photos!

2:13 PM  
Blogger jen said...

Oh, you are a kindred spirit indeed - my piano and table look exactly like this.

I'm sorry to hear of your stressful, unresolved weekend.

For decorating on a budget, I like the leaf idea, especially if you can lop off a couple small branches from somewhere and arrange them in a vase. Also, I like to buy an assortment of nuts in the bulk section of the grocery store - walnuts and the dark ones (can't remember the name) still in their shells - and arrange them around candles on a platter as a center piece.

9:50 AM  
Blogger K said...

Thinking "good financing thoughts" for you today...

I hope it all works out. That stuff is so stressful.

Cool piano, though. Enjoy your Thanksgiving decorating.

9:57 AM  
Blogger Laylabean said...

Oh I know how this is! Sometimes it's all you can think about and you drive yourself half crazy. It sounds like you have realized as I did that somewhere amid all the paper shuffling and broken promises and phone calls and stress you have to live your life. You have to be able to put it aside and focus on other things, more important things while you wait to hear what will become of you. And you're right, there are worse things and it's not the end of the world, though sometimes it feels that way.

My thoughts and prayers are with you.


1:11 AM  

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