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Under Contract Part Deux

Major Blunder's picture

There is an old story of two children being placed in separate rooms, within each room there is a huge pile of manure. The first child simply sits and cries over his situation, the second child is feverishly digging through the manure. When asked why he was digging through the manure the child exclaimed, “With this much sh!t, there has to be a pony in here somewhere! “

Now the story is an analogy for negative and positive attitudes, later on here I will be referring to in a little different way.

When I got home from work yesterday things had gotten even worse for DW, when she arrived home she found an UPS envelope from the home loan company requesting information on her only, information that we had already sent them, mostly income and tax return stuff.

We called the loan agent together on speaker phone to ask about why this had come to her, he explained that when the underwriters did the work on my numbers they just scrapped her stuff, not a great explanation as our tax returns are joint.

She tried to explain to him that she was unhappy with what was going on and even said she felt like a second class citizen, he audibly chuckled at the statement, so she got up and walked out of the room while I yelled at him for doing such a thing to my wife. He apologized and claimed he hadn’t heard her say that and would never would have laughed at such a statement, I continued to berate him and shut him down every time he tried to speak over me, which he did a lot.

We wrapped up the phone call not happy but still stuck in the process that we had already begun, I did suggest looking to see if she could be added to the loan but her credit basically just wasn’t of any help to the loan as she has basically inactive credit.

Later in the evening we started discussing ways we could get her credit back on track, and talk turned to good things about the house, we really worked to get the day ended on a good note.

But I digress, after the call, she apologized for getting so emotional all day and said she had felt emotionally raw all day long. I asked why that was and she said that hadn’t wanted to tell me but SD20 and she had been texting the night before and SD20 said a lot of very hurtful things to her.

SD20 said that she was being left homeless and that nobody had any faith in her and now anything that happened to her was basically on DW’s fault for abandoning her.

DW stayed strong and told SD20 she could no longer support her doing nothing with her life, that she had enabled her long enough and the decisions she has made for herself put her where she is, that she had been able to live with us before and couldn’t follow even the smallest of expectations so why would we allow her to continue to do so. After DW told her that, basically shining the light of truth in her eyes, SD20 went silent and hasn’t responded since (to my knowledge).

I did see the text exchange and DW did stay strong, and SD20 was just like her sister and pointing blame at everyone except herself, I wanted to and still want to tell the little b!otch exactly what I think of her for speaking to my wife like that.

DW said she hadn’t planned on telling me about SD20 because she knew I would be angry but the day just continued to fill with emotional stuff that it just spilled over.  DW said that she doesn’t blame me for what the loan company did and hold none of this against me but she doesn’t want me going after SD20 either for the awful things she said to DW.  I can’t promise that I still won’t do that, little chit needs to be put in her place.

Which brings me back to the analogy at the beginning of this blog, actually just the second child digging through the manure. Just like that child, in Step Life when you have a large pile of Sh!t going on in your life, if you keep digging you are bound to find a SKID at the bottom of it somewhere!

DW’s whole demeanor yesterday boiled down to a SKID being an arsehole, she might have been able to handle everything that day if the little brat hadn’t said the things she did, go figure!

Comments

Siemprematahari's picture

Great  post Major and I enjoyed the way you combined the analogy and your story, makes complete sense.

If it wasn't for SD20 manipulating, playing victim, and the whole "Oh woes is me" to her mother, your wife mentally would have better handled the whole situation with the loan and house. Emotionally she is drained and lashing out at everyone which is making the process unpleasant for you all. I'm glad she remained firm and gave SD the truth that she needed.

I hope from this point on that the process gets smoother and that you both create happy memories in your new home. I don't know if you believe in saging a home but perhaps you should to get rid of all and any bad energy in the new home and around you.

 

Major Blunder's picture

Thanks Siem!  I'm not a believer in sage but DW might actually go for it, I'm actully more for the idea of burning a skid but think that's still illegal  lol

beebeel's picture

LOL I had a feeling the house wasn't the root cause to her emotional state, but I dont think it's a nonfactor.

She's feeling like a failure as a parent and now a failure as spouse as the reality of her being unable to take equal responsibility for the mortgage hits home. She is lucky you are understanding and still willing to fight for her. Just be careful not to fight all of her battles. Let her deal with sd20 as she must or DW will never learn to shut that shit down on her own.

Encourage her to work on her credit and come up with a plan that helps her do so. If she works at it, maybe an opportunity to refinance will come up in a few years and she can be added at that time. 

Your wife can't sit and cry about the pile of shit! She needs to get a shovel and start digging. Wink

SteppedOut's picture

I also figured it had something to do with sd, since she can't move to the new home....

But also, help dw re-establish her credit...just make sure you are tied to any credit card(s) opened AND have access to an online account. If she backslides on her daughter(s) and starts financially helping them using the card, you will know before it gets out of hand!

Major Blunder's picture

I rarely ever actually fight her battles I will let her know I'm in her corner and offer some suggestions at times but mostly just encouragement.

notasm3's picture

Here's what a skid would do - keeping shi*tting in the middle of the floor and as the pile gets bigger and bigger - hope that a pony will somehow appear.

Major Blunder's picture

No bout adoubt it  lol  That is exactly what a self entitled, diamond encrusted snowflake would do !

ProbablyAlreadyInsane's picture

Poor DW... I can't even imagine how hard all this is for her. And I truly feel for her... I also feel for you though. I have a tendency to do similar as your DW, I let things build up, I make plans not to say anything, and then it all just kind of explodes eventually when I keep it in. That's not easy for a spouse to deal with.

Good luck Major! I'm glad your DW is holding firm! She's going to need a lot of support to keep doing that!

Major Blunder's picture

Thanks PA, we both bottle stuff up, try to carry a load alone, and it never works out well for either of us. Really gotta change that lol

ProbablyAlreadyInsane's picture

I think we all need to work on that. LOL. I know I'll bottle up enough thtat I get moody about even little things because I'm so full of angst@

Aniki-Moderator's picture

Love that analogy, Major!! Some of us have dealt with so much sh!t, there should be an entire HERD of ponies in there!

SD20 is doing a grand job of trying to guilt your DW. What a POS. Kudos to you for talking it out with your wife. Talk to her about making those cinnamon rolls!!

Major Blunder's picture

Sadly for DW she is slowly learning what her kids are really like, she held out hope for SD20 but I knew eventually she would show her true self to DW, I know it pains her greatly but better now than later, right?

Definitely thinking about the cinnamon rolls now !

Cover1W's picture

That analogy is great -

The difference b/t 'woe is me' SD14 and 'going for it' SD12.

What a PITA with the loan - my DH has horrible credit and he was a ball of nerves going through the loan process.  All his anxiety and emotions tied up with his $ really came through.  I am the primary loan holder on our mortgage because my finances were good.  DH's credit score does effect me to this day though, and he knows it, esp. since we had to take out a small loan a couple years ago for emergency home repair.  I couldn't do it on my own due to a higher than normal credit card balance (due to DH) and we ended up both on the loan note, with a higher than normal interest rate due to DH's credit score.  So we are paying that baby off early to save on the interest.

I have had to speak many times with DH about his finances.  He's barely started to open up about it to me (after being together almost 6 years now) - he wasn't raised with any guidance about finances at all so never learned.  He's doing to same with the SDs which drives me BONKERS, but I cannot say anything about them.  I just have to be patient and push back on him a couple times a year.  Be nice with brutal honesty.  "Yes, DH, in fact your financial situation DOES effect me and here's how..."

Major Blunder's picture

Thanks Cover !  I actually love that analogy and finally found a time to use it :)  DW knows that our finances affect each other, we both got rid of credit cards years ago due to bad decisions on both our parts before we met, but now looks like we might have to get one so we can rebuild her credit since apparently it just doesn't exist, so much for being smart and getting rid of credit cards   lol

Cover1W's picture

Credit cards are not bad, esp. if you can get one with good rewards and/or through a credit u.

The key is to manage it well and know your personal limit (not the card limit!).  Pay it mostly off every month if you can, only use it for small things if you are buidling up credit. You will want to keep a small balance on it month to month - that's the financier catch - they like to see a manageable balance but payments made on time over several years.

Major Blunder's picture

That is more than likely what we will do, we got rid of cards and there weren't alot when we married just after buying our first home, eliminating debt was unmost in mind at the time, the way we saw it was if we couldn't pay for it with cash then we couldn't afford it , alot of financial consultants will echo this, but I guess concerning her credit we went to far and didn't keep it active, mine has student loans on it forever so it never goes unactive  lol

HowLongIsForever's picture

I used to work in the lending industry - far enough back that I admittedly don't know the man behind the curtain impacts of change in recent years.

Mortgage lenders tend to use an older FICO than cards & cars.  Certain items are weighted differently from version to version.  Payment history & balance ratio are your biggest factors 35, 30%, average age of account, installment vs revolving (credit mix) the bulk of the remaining.  

If you guys are in need of guidance in rebuilding there are a couple of excellent resources available online - I'd be happy to point you in that direction.  

And don't worry, nobody needs personal info and none of it costs you anything beyond your time to read Wink

All that aside, glad to see DW is heading in the right direction with SD20.  I'm sure as she can start safeguarding against the emotional exhaustion that the mortgage experience, while still disappointing, won't be such a crushing weight for her.