Tag Archives: Banking Industry

Chin up, Buttercup, a New Day Dawns

Rang in 2016 with my mother, my mother-in-law, Maddy, Lily, and two of Maddy’s best friends. It made for a very joyous, very full household. We blew noisemakers, threw confetti, lit amateur hour fireworks, twirled sparklers; all in the street in front of my little ten year old house. Fun, simple, sweet – all words I cannot apply to 2015 itself. A sentiment Mads echoed with her NYE countdown, “Okay, guys! Only three minutes left of this TERRIBLE year!” It didn’t help that the last days of said terrible year were filled with tears, as we watched Scottie pack up a U-Haul and move to DC.

IMG_1084 (1)

By now, friends reading this know Scott accepted a job offer in VA. A job he was offered the day before Halloween. A job we had to keep mum about, for two months, in case the whole thing fell through. After a six month long struggle to find local employment befitting his talents (aside from a part-time, on-call, secret squirrel gig that required actual disguises and a Beastie Boys “Sabotage” style ride that ended in him hosing the interior of a rental car with projectile vomit), he cast his net wider and, what do ya know, he landed in his old stomping grounds.

MD/VA/DC is home for him, and the job – helping catch international bad guys, behind the virtual wheel of a motion sickness-free desk – excited him. Win, win – right? We certainly never intended to settle in Arizona. This decade long AZ run due only to an unlikely set of freak circumstances. But, by the time he retired from the Army, we’d got comfortable. Sierra Vista was familiar. Life here was easy. A known (sucky, but known) quantity. Oh, and then there was also the matter of the house. The luckless, piece of shit, housing-market-bubble-bought, albatross of a godforsaken house we purchased in 2006. The house we currently can’t sell back to Satan to save our souls.

Already I feel badly for bad-mouthy-blogging my house. It was perfect once. The perfect starter home for two adults in their early 30s and their four year old daughter. And all the beautiful memories made here; they’ll show up in my dreams for the rest of my life! Nonetheless, we were hopelessly stupid home buyers. Coming from a young adulthood of apartment/city-living, the two of us were all, “Gold fixtures? Well that’s perfectly acceptable. And the world’s tiniest backyard? You mean we have a BACK YARD??? Sold!” Five years, one additional daughter, and a heap of material stuff later, we’d outgrown our starter home. Sadly, like a great deal of the United States, we were also underwater on our mortgage, and in one of the worst housing markets in the country.

So, that’s all that’s keeping us here; holding me and the kids hostage. This house, and the difference between what it sold for in 2006 vs. the 50k less it will sell for now. That’s what’s splitting up our family. Funny how the military only did that once, but a bailed-out bank has the power to do so indefinitely. And imagine my complete shock at learning that, because we’ve never been late on a payment, or any payment of any kind – and because our debt was relatively nil and our credit outstanding –we might not be able to prove a “financial hardship.” Because we are responsible adults? Because being financially raped by a pre-recession banking hustle – that is today, without dispute, recognized as having been both inherently and abhorrently corrupt – is just what we get for being young and dumb. But if we’d blown ten credit-card-lender-grand here, and twenty frivolous thousand there, then we would qualify for relief?
Then we’d be primed for a…oh, what do they call it again…a…BAILOUT?!

(DEEP BREATH)

All to say, I’ve stayed behind to deal with the house.

Today my boss called to offer me a job in Alexandria, VA – a stone’s throw from my Scottie. Someone just resigned in our office there, and, “say…just how soon will you be moving out here, anyway?” Excellent question! Soon? Soon-ish? In a wee bit? In a while? A few months from now? Summertime? Next fall? Winter?  Maybe goddamned never?
I had to decline, and ask to be kept in mind.

But, as always, I’m keeping my chin up…like an exceptionally grumpy buttercup.

"dem skies, tho...."

“dem skies, tho….”

Advertisements