Thursday, April 19, 2007

The Appliance Adventure Part 1

Well it didn’t go exactly as planned yesterday at Lowe’s. Does it ever? I was approved for a line of credit at an interest rate I’m not crazy about. I mean, my credit card’s interest rate is lower that it is. *sigh* In any case, Adam and I walked through multiple scenarios to solve this quandary. We eventually decided to go ahead and use the Lowe’s line of credit because it has a “6 months no interest” deal. We’ll still make payments during those six months and if there’s a balance at the end of the term (which I’m almost positive there will be) we can decide what we want to do then. We have decided to take his parents’ old washer and dryer since they’re planning on getting new ones. We’ll wait to get a snow blower and doors for the fireplace until we actually need them in the fall. We should still be able to get everything we want/need at Lowe’s and that’s a good thing. Keep it simple, I say.

Also not going as planned is the financing part of the deal. But don’t worry, it’s not a bad thing. I got a call from the mortgage specialist this morning. She was concerned that we might be cutting it too close. We have to have the financing secured by the 30th and our appointment was for the 24th. So we just bumped the appointment up to tomorrow. Hopefully this will give them time for the appraisal and all the other things they charge us $1,700 to do. With the way things went yesterday I’m kind of nervous about tomorrow but I figure they pre-approved me for $150,000 less than a month ago and I’m only asking for $142,000 now. I don’t know why they wouldn’t give it to me…but you never know. I do have excellent credit and Lowe’s still gave me a shitty interest rate, you know. Maybe I need the Walmart version of Lowe’s and I’d be fine. I think it might have something to do with the fact that we still technically rent and we'd have had better luck if we'd waited until we could put down that we own the home... Oh well, live and learn.

Anyway… Perhaps we’ll step out on the town Saturday night and actually look around Lowe’s. Yesterday we headed straight to customer service to see what kind of deal we could get so we didn’t even look at anything. And I suppose I won’t have an excuse to not start packing stuff for much longer. Ugh.

I’m totally behind on my movie reviews and I’m even behind on my unofficial book reviews. I don’t even know what I do with my time. I have started to DVR Dawson’s Creek reruns though so that takes up some time. This house/wedding/being an adult thing is totally time consuming…

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