Recent Divine Discussions

Monday, May 4, 2009


Hey guys.

Sorry I haven't posted in a while. Life has been extremely busy. Trying to get used to the extra responsibilities on top of my existing overflowing list.

I will try my hardest to post my do's and don'ts of buying a house tonight.

Hope all is well.

Tuesday, April 7, 2009

Home Purchase Plan - How I faired

Back in January I developed my Home Purchase Plan (HPP for short). I listed exactly what I was looking for in my new home including my needs and wants. I printed up my HPP and carried it will me everywhere. I especially took it with me when I went house hunting with my agent. I had a momentary relapse (I'll explain more on that on another post) but got back on track and stuck to my guns. I ended up with a beautiful house that fits all my needs and wants.


The home I want:

Price: $0 -> $190,000 $180,000

Ideal Monthly Mortgage (including taxes, PMI, HOA, & hazard): $1200 (max $1300) $1310

Location: Surrounding Orlando Area Check

Bedrooms: 3+ 4

Bathrooms: 2+ 2

Square footage: 1700 s.f. + 1810 sf

Year Built: 2000+ 1998

HOA: $100/month max $150/yr


* A-rated school district Check
* Quick access to major highways Check
* Good daycare Check
* Nice neighborhood Check
* Shower stall Check
* Backyard Check
* Large kitchen with pantry and lots of cabinet space Check (I have TWO pantries)
* Large master bathroom Check
* Walk-in closet in master bedroom Check


* Garden tub Check
* Family room and living room Check
* New stainless steel black appliances (a girl can dream can't she!) I bought them myself

I only had to bring $5300 to closing since I had already put down the $1000 earnest deposit. My closing took about an hour. I got into an arguement with my agent about an hour before the closing. Oh how I wanted to smack the sh*t outta him. Still do.

My total monthly payment is $1310 which includes $216/month for property taxes and $64/month for hazard insurance. Due to a stipulation in the bank's addendum to the contract we had on the house, I had to redo my points and was able to lock my rate at 5% instead of the 4.875% as I previously hoped. I'll explain that what happened in my Dos and Donts.

I am currently in the middle of getting my house painted. I didn't want to unpack my boxes only to have to move everything again so all my stuff is currently in my garage. I wish I could have taken more days off. I have so much to do and so little time.

Alright I am off to bed.


Hey all!

I am still alive. I have been busy with the move and getting settled in. Everything has been going smoothly and falling right into place.

I have a lot of topics to post on but the most important to come are the following:

- My HPP (home purchase plan) results
- My home shopping budget results
- Do's and Don'ts of buying a home
- New budget

I gotta run off to a meeting so I will chat with you all later.

Wednesday, March 25, 2009

Thats Mz Homeowner to you buddy!!!!!!

I closed today. It was chaotic up until the last minute but thank GOD almighty I am free at last!!!

Or am I.

UGH the things that need to be done. Gotta don my cap, hotpants, and mask and put a S on my chest.


Saturday, March 14, 2009

Frugal Woman Strikes Again!!!

Oh that was sooo comic book!

Dude.......I KILLED today. I am tired, dehydrated, and I have a slight headache but it was all worth it. But wow! I came away with some amazing
steals deals. Let me just show you rather than tell you: *Excuse the mess....we are in the process of packing*

Microfiber Sofa Set
Rob & Stucky
(6 months old, Was kept in formal area so hardly any usage)
$400 for the sofa and two chairs!

Cute accent table with matching accent mirror
and two candle wall sconces, Italian themed wine rack
and matching decor signage.
Everything for $30.


Coffee Table
(solid wood, huge)
Bargained down to $22

I am going to restore the nightstand and stain it to match it to my bed and I will either stain or paint the coffee table to match it to my dinette set. I will also paint the legs of the sofa set (which are removable) so that they match the dinette set's color also. Currently the legs have a reddish tone I don't like.

A guy is coming over to hopefully buy my couches. I currently have two dinette sets and two couch sets in my not so big living room. Ugh!

Random Ish

I haven't tracked my budget since February. Its kind of exhilarating and scary at the same time. I love not having to be so detailed but there are some fuzzy spots when it comes to my monthly finances. I don't like fuzzy spots. So would it be weird to say that I can't wait until I move into my house and can start with a fresh new budget? I mean I am actually looking forward to calculating my new budget once I close on the house. Eerie isn't it?........

I may may need to hire pro movers after all. I didn't count on having any kind of furniture when I moved but since having my "AH!!" moment and tracking and snagging deals a la CL, I have accumulated more furniture then I originally had. I don't want to deal with the real pro movers because they always try to pull ish like 3 hour minimums and charging by how much your furniture weighs and stuff. Both are a bunch of bull. But I do want the assurance that insurance and licenses bring and private movers may not be able to provide that. I'll have to sleep on that and figure out what to do later.

I can spray the paint on my walls instead of using a roller or brush?! You know how much time this would save me? One question though........would my walls turn out just as nice as doing it the other way? Guess I should try it and see.

How can someone be creative technology/engineering wise but have absolutely no idea about decorating or color schemes? I seem to be suffering from this disease. I am creative when it comes to restoring things but I have NO clue how to put the pieces together.

I guess I need to get out more if I ever intended to meet a man huh?! I seem to never have the time. And NO I will not do that online dating stuff...........*shudder*

I'm tired.......where is this dude at? I am taking a nap as soon as he leaves.