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Thursday, May 29, 2014

Learning What's Really Important Can Result In Drastic Life Changes

A screenshot from our "Penny Pinching Rap"
Blogging. It's a never-ending saga. Jake and I try to make each post stand on its own, but sometimes you may need to do a little catch-up reading to really know what we're talking about. So if you missed my post about being "house poor" you might want to check it out here before you continue reading. Or not. It's your choice. I'm just saying, it's what awesome people do.

Anyway. Moving on.

In our quest to be debt free as soon as possible, the hubby and I have chosen to put a lot more money toward our mortgage than what the bill calls for. Our plan was to get that bad boy paid off in about five years. And, honestly, we were doing quite well at that. We don't have kids yet. We've both been working hard. So things seemed to be going along beautifully.

And then life happened.

It was around the end of winter that we had multiple unexpected financial burdens heaped upon us, not the least of which was the fact that our mortgage company had screwed up our escrow account BIG TIME! It upped our monthly house payment by $400, which took our whole "pay off the house in five years" plan by the throat, shoved it under water, and held it there until it choked and died.

Then came hurricane Obamacare which demanded every free penny we had and then some.

Moreover, Jake and I have spent the last couple of years realizing just how much time and money it's really going to take to manage our house, even after the mortgage is paid. I mean, the house is huge. It's 150 years old. It needs a new everything. Heating costs are astronomical, not to mention the taxes that show no sign of ever going down. Both my dad and Jake's dad would have a field day in this house, but neither of us are our fathers. We don't know the first thing about renovating. More's the pity.

After two years in this house we now have a better idea of what we want in a home, what we need. We've also learned a lot about each other, what our capabilities are and what's important to us.

On that list of importance is:

  1. Being closer to our church in order to be more actively involved in it.

  2. Being closer to Jake's job because the hope is that one day I'll be able to stay home with the kids and homeschool, and I know Jake would love not to have to spend five hours a week commuting.

  3. Being able to enjoy our home instead of always feeling overwhelmed with a long list of repair jobs.

  4. Being closer to family is important to us, especially when we have kids.

  5. Being able to free up some money for adoption, which is something Jake and I have always dreamed of doing.

So, we have decided to pray about doing something drastic, and putting what we once thought was our forever home on the market. It's time to find a smaller place, a cheaper place, that will help us out financially and get us more in-line with what we now know to be the things that are really important to us. We want to be done with being "house poor." (Again, if you need that defined check out my previous post on this topic like all the other awesome people do!)

If we do decide to put the house on the market we know it will only sell by a miracle from God, and we are trusting that if this is what He would have for us at this time in our lives than He will do that miracle.

In the meantime, we've begun renovating the upstairs, which will either serve our future family, or perhaps serve as a space we can rent out to earn a little extra money.

Keep pinchin' ;-)

PS. We do plan to fix the basement, unless you all think an indoor pool would help in the selling process!


  1. Fixing the basement is still a good idea! It is great that ya'll have formulated what is truly important in your life. Wish we could have met when we were in Vermont last year! Fun, sensible, lovely women - glad Jacob waited for you!

    1. Yes, the basement is a must in order to sell it. You will have to let us know if/when you come visit again so I can meet you! ~Dani