Showing posts with label Finances. Show all posts
Showing posts with label Finances. Show all posts

Sunday, October 5, 2014

Thy Will Be Done




For the past ten years we've lived in the same home. That's longer than we've lived anywhere as a married couple, and longer than anywhere I've lived in my entire life. Our home was a true blessing. It was spacious and comfortable, and although we bought it new, we made it truly ours by finishing the garage space into 2 more bedrooms and a bath, adding two gas fireplaces, board and batten, adding a deck, and more. 

The years flew by and the children grew older. One by one, they left the nest and left us in a house far too big for three people. We were driving 90 minutes one way to get to church, and put our house on the market with hopes of a quick sale. Two years is not quick. 

Last October, a couple from our church approached us one Sunday morning with a proposition of sorts. She is a professor and was going to be teaching in Europe from December 31 until early July, and they didn't want to leave their home vacant over the winter. Knowing that our home was for sale and that we were desiring to move to their area, they asked us if we might pay a small amount of rent to stay in their home. We prayed and prayed, looked at our finances, and decided to say yes. Our hope was that our home would sell in the time we were house-sitting and we could be mortgage-free, allowing us to save money. We could then buy a home in the summer. Not being in our home would allow it to be shown at a moment's notice without us having to make everything look just so. 

And so, on December 31, 2013, we loaded winter clothing, school books, and kitchen things up, and set up housekeeping in a house that didn't belong to us. We lived with their furniture, and most of their clothing still hanging in the closets. It was...odd. I haven't posted a lot this year, but not one person questioned when my kitchen suddenly looked entirely different than it had before. 

We hoped and prayed, and I looked at oodles of homes that were for sale. Winter was harsh, and spring came along. Still, our house sat. Verne had to travel back weekly to mow the yard, weed the flower gardens, and keep up maintenance on our home. I'd go back once a month or so to give everything a quick dusting, run the vacuum, and make sure everything looked just right. We were both starting to feel like our own home wasn't even ours. That's a strange feeling! 

Spring turned to summer, and finally, one day in June we got an offer. We were elated! We made an offer on a home. It would work out perfectly that we could stay in the house we were sitting in until closing day for both properties. 

And then it all fell through. The prospective buyers for our home couldn't get financing. I was spending the day with Autumn and Abigail when Verne called me with the news. He had taken care of everything, letting our realtor know that we wouldn't be able to purchase the home we had a contract on. 

The next evening we took Abigail to youth group, and went for a drive. Suddenly, the rainbow in the photo appeared. We were so upset. Distraught, really, and it was as if God was telling us that He cared for us and it would be okay. Still the news was hard to swallow. 

Way back at the beginning of the year, Verne talked to the Director of Children's Ministries at our church and told him he'd be willing to teach Sunday School as a substitute. He never heard anything again until the week our house fell through. Verne was asked to teach Sunday School for the entire month of July. The children were studying the Lord's Prayer, and Verne's month was on "Thy will be done." 

As Verne taught each week, he shared with me that he didn't know if the children were learning anything, but he sure was. It was as if God was speaking directly to him with each lesson. Mid- July we packed our things and went back home. As much as we wanted our house to sell, we were both at peace. 

The day after we returned home we got a phone call. The house had been shown four days prior, and the people decided to make an offer. We accepted. The house we were going to buy previously had already sold, and we made an offer on another home. We were both really excited as we liked this home much better than the first one. The day for inspections came, and we couldn't wait to get back into the house to see it again. Only, as we entered the house the inspector looked uneasy. He had bad news. Very bad news. Invisible to the naked eye, he had found quite a bit of water damage, roof damage, and active termites. We were deflated. There was a bit of going back and forth with the seller, asking for things to be repaired. To be honest, they agreed to most of what we asked for, but we were still very uneasy. We decided to walk away from the house. It was three weeks before we had to be out of our home, and we had no idea where were were going to live. 

Back to the internet I went, scouring the webpages for homes for sale. I had seen most of what was on the market in our price range. Pickings were slim. I found six homes that could work, and set up an appointment with our realtor. As the day of our appointment drew near, Verne asked me what I wanted for our 25th wedding anniversary, which just so happened to be the day were were going to look at houses. I replied, "I want a home." 

As a homemaker, it isn't easy to be displaced for 7 months, not really being able to make things yours, and living with someone else's things. Once I was back in my house, I was too busy packing up to enjoy it. 

August 5th arrived, our 25th anniversary, and we set off. The list dwindled as one homeowner wasn't willing for us to view their home that day, and another house had renters that needed more notice. As we walked into "the one", we both knew. We loved the yard, and the house felt like home. We continued on through the list, had some lunch with our realtor, and asked if we could go back to "the one". 

Our closing was a short ten days away and we knew that even if the sellers accepted our offer, there would be no way we could have everything done in time to move into the new home. We also knew no one would want to rent to us for just a few weeks. It was looking like we might have to stay in a hotel, and that was going to get expensive really quickly. Plus, we have pets. Our realtor suddenly mentioned that a couple from our church had just listed their second home for sale the night before. I quickly asked if she thought they might rent to us short term. Of course I'd be willing to let potential buyers come and look. 

The realtor made a quick phone call, and got a "Yes!" This was such a blessing to us, and it turns out, a blessing for them as well. They didn't have to make two payments this way. Needless to say, we negotiated, and came to an agreement with the sellers of the house we loved. 

That's not the end of the story of how God worked out every little detail. Maybe I'll tell the rest tomorrow. ;)

Wednesday, February 5, 2014

Cozy Days of Winter


















Though most people I know are ready for spring, I happen to love this time of year. Snowy days mean slower days, fresh breads, puzzles being worked on the table, and broken pipes. Okay, I could do without the broken pipes. Yes, pipe(s). Two of them. Winter days also mean big pots of soup. A few we've had this month: Pasta Fagioli, Potato, Ham and Bean, and Italian Sausage Soup. I used dried beans vs. canned each time, saving money. Click on the names of the dishes to find the recipes.

Winter means higher heating costs, and trying to stay warm with hearty meals. For me, it also means getting creative and serving satisfying meals without breaking the bank. Planning ahead, and not reaching for convenience foods is one way to do that. Rich soups served alongside homemade breads are nourishing, satisfying, and pretty inexpensive.

Back at Thanksgiving, I cooked my organic turkey carcass for hours, and then canned the broth. I received 16 quarts of broth so rich it tastes like butter for my efforts. I paid $56 for my turkey, which seemed high at the time, but considering the amount of meat I got off of it, plus the broth, that turkey was cheap! It's easy to spend close to $3 a quart for watery broth at the grocery store. Even the non-organic brands aren't cheap. My broth is so rich, I can add water at a 1:1 ratio, and it still looks like I added food coloring(which I never would!) and tastes amazing. After seeing that good broth was being sold at a local grocery store for $7 a PINT, I was feeling extra good about my efforts.

I had a ham bone in the freezer that I used to make a huge pot of ham and bean soup. I boiled it alone for several hours, and then removed every bit of meat from the bone. I added about 6 cups of meat back to the soup pot, and froze 10 more cups. I seriously have no idea how I got that much meat off a leftover hambone. We hosted four post-college guys from our church for dinner, and I served that big pot of soup with homemade cornbread and homemade cookies. We had made several batches of cookies and set some aside for a gathering with friends the next afternoon. I allotted several dozen cookies for our gathering with the young men, and what they didn't finish here I sent home with them.

Three moms, and seven children gathered for lunch and games here the next afternoon. I cooked a big chicken ($12) the day before and took every piece of meat from the bones. I saved 6 cups out for lunch, and froze two more cups. I cooked the carcass all night, and got 5 quarts of rich broth. I froze the broth rather than canning it and unfortunately, two jars broke in the freezer. I nearly cried. I'm convinced canning is the way to go. It saves freezer space, and allows you to use the broth at a moment's notice rather than having to wait for it to thaw.

I made homemade tortillas, and lots of them. 32, to be exact. What would have cost me $10-12 dollars to buy was produced for about $2. The menu was build-your-own chicken quesadillas with cheese, sour cream, peppers, black olives, and homemade salsa, home-canned fruit cocktail, and cookies that had been made in advance. This wasn't the cheapest lunch to provide, mostly because of the toppings for the quesadillas, but it was a splurge since I'd spent next to nothing for our meals the rest of the week.

In the photo with the tortillas, you'll see my Farberware electric skillet. I love this skillet. Nearly 25 years ago, my brother Brian bought me a stainless steel electric skillet for a wedding gift. I used it nearly every day, sometime several times a day, and it eventually wore out. My mom was no longer using hers much, and gave it to me. Though it's the same age as my original skillet, and identical, it's still going strong. Except it wasn't heating quite like it should. Verne started looking to replace it for me as a Christmas gift, but stainless steel electric skillets are very hard to come by these days, as most are teflon coated now. No, thank you! If you can find one, they're upwards of $200. Knowing how much I use this skillet he was willing to buy one, but I was convinced to make the current one work. I scoured E-Bay and while I could find a replacement cord, the reviews said that they didn't fit quite right. I mentioned it to my friend Lynn, and she suggested checking an electrical store in town. I mentioned it to Verne, and he mentioned it to another friend who also suggested a different electrical store. Verne tried both places, and sure enough, Lynn was right. Verne bought me a new, off brand cord for $14! It fits and works perfectly. We live in a disposable society, where people think having the newest thing will bring them happiness. Sometimes, keeping what's near and dear to us makes us the happiest of all.

While organizing the sewing room I found this cat quilt that I started way back in 2005. I had it all pieced, and hand-quilted when I lost interest in it. All it lacked was the binding. I considered not finishing it, when I was reminded of another project I had thought the same of and decided to bring it to completion. I'm glad I did. I think it's charming once again. Each cat is quilted differently, and the alternating corners have balls of yarn and mice quilted into them. Abigail has claimed it, and uses it on her lap in the evenings while she sits and draws. Chester loves it, too. Lucy? She loves any quilt you lay on the floor.




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