Little of this and that

My period finally showed up 2 days later. Thanks for that. Moving on.

I just don’t have a clue what we’re doing about where we’re living. I just don’t. Our plan all along has been the USDA Rural Development Loan – 0 downpayment, plus the PMI is really low. Well, turns out you can’t use that loan if you already own real estate. Yeah. So our house in Amelia is coming back to bite us in the ass now. Our next option is FHA, but it requires 3.5% down and the PMI is ridiculous. Like, we’re talking an extra $250/month for the next 8 years. Which means that we can’t afford as much for a house, because we have to take into account the extra $250/month in our budgeting. So instead of a mortgage for $900/month, we can really only afford a $700/month mortgage because of the stupid PMI. But we’d need like $35,000 cash to avoid PMI all together, and that ain’t happening. We’re just going to be able to scrape up the little over $6000 we need.

Then there’s the issue that Wes will NOT move anywhere without internet. Don’t get me wrong – I don’t blame him. We don’t have cable or anything like that – we do all our television watching and general entertainment through Hulu and Netflix streamed through the Xbox or our streaming box. We play video games online…I mean, pretty much anything interesting to do here in the middle of nowhere is internet-based. But there are VERY few places out here that have internet. And those that do apparently either aren’t in our price range or don’t have land or just aren’t for sale. I go back and forth over whether or not I really want to buy this place, but it’s seeming like the only option.

Ok, this entry interrupted bu hubby coming home after 2 weeks gone. Back later.