Feb 10 2007
Pins and Financial Needles
I‘ve finally allowed myself to get a little more comfy with this blog, and go ahead and post bits about our adventure out of order. I go in these long stints of not writing, then it seems like there’s a million things to write about, but I’m inspired to write out of chronological order… bah. Never get in the way of the writing, just write! =)
We’re back from Puerto Rico (more about this later, and probably out of order too), and I think this is It. I totally love the boat, so does Jason, so do the boys. I’m not even going to name her in this blog, so that I don’t have to go back and redo all the blogs when we rename her (yeah, it’s a superstition, so what about it?) The Surveyors of boat and rigging gave her their blessing. And now we’re just waiting for the bank.
It is so hard, because you want to get your hopes up, start thinking about the hows and whens and wherefores. You want to start doing hardcore planning (or at least you do if you’re me). I woke up this morning realizing that I got a fabulous photo in horizontal format that would be perfect for the header of this blog. But there’s that slim chance that for some bizarre reason or other, the financing company will decide that they’re not happy with the deal, and they will deny funding.
And then I will cry, scream, and freak out completely.
What really steams me is that once the house is sold, there will be plenty of money, and then some. We figure that even with slip fees, insurance, and all the upgrades and modifications we want to make, we’re still going to be able to pay it off in 5 years or less (depending on the Ramen Factor). It’s just this tenuous transition period that’s tricky.
I hope the finance people see it that way.
We’ve been working with Kim at Scott Financial. She has been totally awesome, totally patient, and very encouraging, even with the paperwork that all of our purchasing ups and downs has caused her. She listened kindly while I flipped out about the last boat purchase failure (which I haven’t blogged about quite yet; too painful), and told me that people don’t have luck like ours unless they’re being pushed towards “The Boat”. How often is your finance person philosophical like that? We totally dig Kim.
I can’t help but think of this as a Black Box event. I have spent years working on the family finances, getting our credit rating higher, keeping everything in order. Will it be enough?
Keep your fingers crossed for us, folks.