Archive for the ‘House & Home’ Category

How the Best Buy Guy Suckered Us

September 26, 2009

We were very excited that our new house has a dishwasher.

We were NOT excited when it stopped working a week and a half after we moved in.

After getting a clog fixed in our kitchen sink fixed, we hoped the dishwasher problem would clear up, too. No such luck. Basically, after a cycle was complete, we’d open the door to see that the soap had just ran out of the dispenser and made a mess on the dishes. We tried both liquid and powder detergent, and also tried using different cycle choices. We even paid an appliance guy $45 to NOT fix it. URGGHGHGH. Apparently it had timer issues, and it was not cost-efficient to have that repaired.

So, one afternoon, when we were both off work, we went to Best Buy, to just look at dishwashers. We had one in mind (thanks Consumer Reports!), but weren’t necessarily wanting to purchase right away.

They had the one we wanted, and after noting the price (on sale, but not by a ton), I stupidly suggested we look at TVs before leaving.

Normally, it’s Mr D2S who wants to browse, and I think I was just trying to be nice. Also, I’ve been wanting a TV in the bedroom for awhile. Since I often go to bed before Mr D2S even gets home from work, it’d be nice to be able to watch a DVD or something.

Anyways, after they see us looking at appliances and electronics, boy, did they sweep in. And one guy won.

And so did we?

In the end, we got our broken dishwasher hauled away for free (normally $20), an extra $16.75 off the dishwasher that was already marked down, an extra $33.99 off the 42″ plasma television that was also already on sale, and free delivery (would’ve  been $70). Not too bad, right?

We walked away wondering if we were crazy, but then we decided that we would’ve bought a TV sometime before Christmas, and might as well group it with our dishwasher that would be nice to have sooner than later.

Also, now that they’re both at our house, I am definitely okay with our decision. I never want to be without a dishwasher again, and I love our new TV situation!

The Cost of Furnishing a Home

August 1, 2009

I just added up what we’ve spent on big furniture pieces.

$3892.75

Here’s what we bought:

  1. Queen mattress set plus bed rails
  2. King mattress set
  3. King bed and two nightstands
  4. Dining table
  5. Eight dining chairs
  6. Couch table to be used as buffet table

How naive was I to budget only $2000 for the house our first month? I really thought we’d buy the queen bed for our guest room and live in there for awhile. But we started browsing (intensely really, as we went to multiple places, multiple times) and found all the dining room items that we loved, and a bedroom set that was a fantastic deal. I really wish we could’ve found all of the stuff at one place, but we ended up having to spend three separate delivery fees. Argh.

Other things that we purchased that fell under our House category:

  1. portable phones
  2. floor lamps
  3. entry rug
  4. entry mirror
  5. picture frames and artwork
  6. lawnmower
  7. security system
  8. patio furniture
  9. outdoor rug
  10. solar lights
  11. and some bills, of course

Add all that up, throw in moving costs (less than $100), pizza for the family that helped move us, and random other things, and it’s a grand total of over $6000 that we’ve spent on our house.

YIKES.

Enjoying Home

July 30, 2009

I’ve had a busy past few days, including some out-of-town work. When I got back, I really was thankful to be at home with Mr D2S. Just hanging out at home, on the couch, with the tv and the laptop, it’s the best.

We’re loving our new home, but have spent so much money furnishing it. I’d feel even guiltier for spending so much so fast, but the fact that we both are crazy about our bedroom and dining furniture makes me very happy. I really think we’ll use them for years and years and years.

Today we went looking for a little reading chair to put in the guest room. A consignment store I knew of turned out to be closed for good, so we hit up some antique stores. A couple things would’ve worked and did fit our budget (fifty or less), but nothing really seemed to be our style.

Today turned out to be a no-spend day. I made lunch at home and we both ate leftovers for dinner (him at work, me at home). My gas tank is almost on E, but I only have to drive about four miles tomorrow for work, so I’ll just keep riding on fumes.

Not-so-free Furniture

July 15, 2009

It’s amazing how I can go from being excited about NOT spending money (see last post regarding museum and dinner), to how excited I am about spending a LOT of money.

We just chunked down right over 3 grand on furniture. Well, we actually only paid 20% today, but that’s a tale for the next post.

Since we’ve moved into our new home (about three weeks ago), we’ve purchased quite a few items. The first was a queen size mattress set. We had spent our first nine months of marriage as renters sleeping on a very used full-size mattres, and by golly, it was time to move up. We bought a fairly economical queen, and have been enjoying it in our guest room. But our eventual plan was to get a king for us in the master bedroom. (I used to think king-size was overkill, but as an above-average height woman, with a husband and a dog that’s afraid of storms, king it is!)

We went browsing at a furniture store the other night and found a king-size canopy bed we both agreed on, and a couple dining room tables that were contenders. We’re going back for the bed sometime soon (and have a $100 giftcard to put towards it!).

Move on to today, and we’re at another furniture store. We’d bought a very reasonable bedroom set at this place right before we got married. I’d told Mr D2S that I refused to move in until there was at least a dresser for me to put my stuff in! 🙂 Anyways, the same lovely saleswoman that sold us that set, showed us around today. Well, she didn’t really show us around, and that’s what makes her lovelier. Furniture salespeople can get pretty annoying.

After browsing, we found a table that we both LOVE, and it had an affordable matching sofa table that will work perfectly as a sidebar for our dining room. We decide to go ahead and get it, and since we’re going to be paying for delivery, might as well check out the mattresses. (We were content with crashing in the guestroom for awhile longer.) They were having a really good sale (thanks to liquidations and the bad economy!) A very comfy, lush king was priced at $939, but a joking “will it drop any more in price?” led to us buying it for $800. It’s much higher quality than I expected us to buy, but I think it’s money well spent.

The $25,840.92 Wire Transfer

July 1, 2009

On Monday morning, we dumped our life savings into a house. (Our life together is only nine months old, so really it’s not quite that dramatic.)

We now have a $90,800 mortgage.

I had to sign the papers and run to work. I had a twelve-hour day on Monday, a fourteen-hour day on Tuesday, and today (my day off) I went in for three hours. So I’m a little behind on the money tracking. I’ll post a review of June’s budget and July’s budget projection soon.

Closing in on us…

June 25, 2009

The closing on our little house is nearing. Barring any unforeseen hiccups, we should be home owners on Monday. Mr D2S made numerous calls to our lender, the closing company, and our realtor today in hopes of making sure everyone is on the same page. It all looks good, except we still haven’t been told an actual time for the closing, nor is there an exact number that we’ll need to bring to the table.

Hopefully our closing will be first thing in the morning, because I have to work a full shift Monday. If I can’t get in there and sign everything bright and early, we’ll have to have a Power of Attorney where Mr D2S can sign for both of us. Or they could potentially bring the papers to me at work??

I think we’ll pay somewhere between $25000 and $26000 at closing. That’s 20% plus closing costs, a few inspection fees, and minus our $1000 earnest check. There was talk of us needing a cashier’s check for closing, but now it appears our lender will be able to wire the money from our checking account to the closing company. I’m very glad for that.

Under Contract

May 30, 2009

Mr. D2S and I didn’t make an offer on the house I mentioned in the previous post. We really considered it, but decided to check out a few more places first. Good thing we did. We found a completely different house, in a completely different location, and wanted it. The seller was under a lot of pressure to sell quickly, so things just rolled right along.

Initial listing price: $129,900.
Listing price for open house: $124,900.
Listing price day we saw it: $119,000.
Price agreed upon: $113,500.

The seller isn’t paying any closing costs, which is frustrating to me, but oh well. We didn’t want to walk away over that.

We have right around $15,000 right now. Before closing, we’ll have two more paychecks from Mr. D2S (~2850) and my first two or three paychecks. My pay is really frustrating at the moment. Because I’m just training now, I’m not salaried and hours must be submitted in some crazy format. Next week I’ll get three weeks of pay. Hopefully by then, I will be salaried (at twice my current hourly rate), and will get two more paychecks before closing. We’ll see…But I am thinking that I should make at least $6000.

That gives us roughly $24,000. If we don’t spend a dime in the next month. Ha! Bare bones for us is about $1500, so we’ll say we’ll have $22,500.

20% of $113,500 is $22,700. So close!
The total estimate we’ll owe at closing is $26,000. Not quite as close.
Oh, and we can’t forget that inspections will run about $600!

My in-laws are willing to float us the cash that we need, and we will be able to pay them back very quickly because of the $8000 tax credit we’ll get after amending our 2008 taxes.

I’d love to be able to actually have the 20% just for the pride factor, so I’m considering trying to sell some stuff. Maybe if I’m creative enough, I can pull in some extra cash.

Funds are low, Hopes are high

May 23, 2009

We have less than $350 in our main checking account. It has NEVER been that low and I don’t like it. Luckily, paychecks will be arriving soon. Mr. D2S gets paid on the 15th and 30th, while I’m paid every other Friday. I should’ve been paid today, but hours didn’t get submitted in time. That’s okay, because when my first check does arrive it will be extra big!

Mr. D2S and I have been browsing houses (going to open houses, looking online) for quite some time. We had planned on waiting to purchase for a few more months, in order to build up our cash for a down payment. But the other day, we found a house that we like an awful lot. Not sure if we’ll make an offer soon, but I do know that I wouldn’t mind living in it. The pros definitely outweigh the cons.

We’ll see…