Monday, February 18, 2013

Before and After

We are nearly done. I am beyond exhausted and hurt all over.

There was a mad rush to get everything done this weekend - getting the porch painted to improve curb appeal, straightening the yard, painting trim in the house, straightening, dusting, sweeping, mopping, shining, staging. You would not believe how filthy the house was - and I feel like we just cleaned it! Constant construction = constant dirt and dust. Jay had to work yesterday, so I busted my ass from the time I got up to the time I crawled into bed. We had hoped to finish the stairs, but at 10 pm last night, I gave up. The steps still needed to be sanded before we stain and poly them and there was no way I had another 2 hours in me. Overall, we spent 51 man hours from Friday through Sunday working on our project. Jay spent 21 hours between Friday and Saturday, I spent 27 hours between Friday and Sunday, and my girlfriend Angela came over and helped us paint for about 3 hours on Saturday.

Why the mad rush? Our house is being appraised today for refinancing. When my dad died, I inherited a substantial sum of money. However, since he wasn't planning on dying anytime soon, the majority of the money was in an IRA. I don't think he knew much about how IRA's work, because the money that he had inherited from my grandparents was all in cash, which he converted to the IRA. Since I wasn't a surviving spouse, nor of retirement age, I took a HUGE hit on taxes, which left me with less than half of the original amount. I won't lie - I spent about half of the remainder on a ring to wear in my dad's memory, furnishing my Odenton apartment, paying the disparity in rent between what I was putting in to make up for my ex not making much money, Ann Taylor clothes for work (and good makeup & skincare products) and took some nice vacations with the ex (which was also mostly on my dime). The rest of the money went to dumpster rental and some emergency repairs with the house, mainly the roof and porch to the tune of $30,000. By the time I met Jay, most of the money was gone - so I had to take out a home equity line of credit for the actual rehab project. And of course aforementioned rehab project ended up taking more time and costing way more than what I took out from the HELOC. So that is the long story short of why we are refinancing. Once the new conventional mortgage is in place, we will be saving almost $500 a month - or more, if the appraiser gives us a better LTV (loan to value).

Add all of this work to the Atkins diet that I started last Wednesday? My body is screaming for more nourishment. I probably should have eaten more this weekend, but we were so busy. The thing that I've noticed about Atkins is that I'm not as hungry, and things with the least number of carbs suddenly tastes ultra sweet. We had green beans on Saturday and they tasted sugary to me. Weird! So that's going pretty well, but I need to force myself to eat more often. Today is day six and I feel pretty shaky this morning. I'm sure it's because I didn't eat enough this weekend and I put my body through hell.

Unfortunately I don't have photos of every room for the before comparison.

So, without further ado... I give you the final comparison (and some in-between) photos:


















































Not too shabby, eh? :)





















Friday, February 8, 2013

If you don’t have anything nice to say…



Don’t say anything at all.

That’s pretty much why I haven’t been posting lately. My goal to remain positive this year has been a challenge to say the least.

But I’ll at least start with the positives –

I’m on the launch committee for the Women’s Club of CarolineCounty. It has been a HUGE success! People are really excited about it and I’m happy to be a part of such a fabulous group of ladies. 

I am also on the committee for the Mardi Gras Masqued Ball. Last year I helped out with the event, but nowhere near the extent that I have this year. We’ve made a lot of changes to the event this year and if it’s continued, I’m thinking that we will probably make more changes next year. It has been a lot more work than I was anticipating. Hence the changes for next year!

I’ve been inspired by Kelly at Miss MP Blogs in her weight loss journey. I’m going on a diet next week. I had been good with exercising and tracking food, but between my stupid toe (more on that later), stress, having crap in the house and everything else... well, it hasn’t been good for my waistline. So I’ll use Lent as my excuse to diet. I haven’t decided if I’m doing South Beach or Atkins, but my plan is to go low/no carb for at least a month. This means no drinking, which will be a challenge for me. I love wine. We are also having a chocolate and wine tasting at the end of the month for Women’s Club. I haven’t decided if I’m going to cheat, but it is tempting.  

Things are moving along with our trip to Australia and New Zealand. I’ve been looking into all of the fun things I want to do in Australia. I can't wait to visit my Aunt Nancy first and foremost! Then cuddle a koala , visit the Whitsunday Islands, and snorkel the Great Barrier reef. Of course I would really love to dive with a huge crocodile, but getting to Darwin will require too much travel for our limited time.  In New Zealand, we're planning to visit Hobbiton , visit the Waitomo Caves, and simply walk into Mordor. We haven’t booked our flights yet, but are planning to do so soon.

Now on to the not so positive:

My stupid ingrown toenail. It keeps getting infected and has been the bane of my existence since mid-November. I’ve been on four different antibiotics (two simultaneously for the past week) and a revision where they went back in and dug out the crud. I haven’t been able to wear decent shoes in forever! The double antibiotics seem to finally be working. It appears to finally be healing!

My mother. Her issues are making me crazy. Suffice it to say that we do not have a normal relationship, but more like I am the parent and she is the child. She is looking for someone to rescue her and I am done with being her emotional and financial life raft.

My in-laws. They also have issues. They were staying with us because they were kicked out of their house (for good reason). We had to boot them out of ours last weekend because of something they were warned not to do. Certain behavior will not be tolerated nor enabled in our house. They slunk down to Florida (after we paid for them to get down there), where my father-in-law lied to his brother and said that they had to leave because of “difficulties with Lauren.” Um, yeah. You now DO have “difficulties” with me, jerk. They stayed with us for eleven days after saying they would only be here for a “day or two.” We bought them food and sheltered them and they repaid us with lies and deceit. Not making that mistake ever again.

Work. It has been busy and frustrating lately. One of my coworkers stirred up unnecessary drama which caused me to have a complete meltdown a few weeks ago. Our locums providers (essentially temp doctors) that are supposed to be helping us out are instead causing huge headaches with the schedule. And as usual, many people take out their frustrations on me.

Death. I'm sad to report that a wonderful person is gone from this world. Karisa died  a little over a month ago and left a big hole in our community. We thought that we would have more time with her. Spread the word about Karisafication. In honor of Karisa and Stacey, and for many others whose lives have been impacted by cancer, I am participating in a cancer prevention study.


And taxes. It turns out that DC didn't withhold enough taxes from Jay’s paycheck. If my calculations are correct, we are going to owe taxes. Possibly a substantial amount of taxes, which might mean a tax penalty in addition to what we owe. Jay is always telling me how much $$ all of his buddies at work get in tax refunds. I would LOVE to see their returns to crunch the real numbers. In all likelihood, they’re either claiming 0 on their W-4 or they’re tax cheats. Jay is always telling me about something new that we can write off. I really don’t see how we have enough tax deductible expenses to amount to the $11,900 standard deduction (for married filing jointly). Yes, we can write off our dry cleaning expenses for your uniforms… that’s what - $200 maximum a year? If that? Phone usage – even if you can prove it legally, that’s about $1644 a year. Honestly I do use my phone more for work and charitable reasons than pretty much anything else lately. And yes, we do make charitable contributions, but not anything too crazy. And I could technically write off my trip to NYC for my VGIF board meeting in October. However, back to the firefighter write-offs. The big problem for most tax professionals is the meal fund. Some firefighters will use the per diem meal rate as a deduction. In DC the amount is $71 a day and would amount to almost $6,500 a year. To me, it screams “PLEASE AUDIT ME!!”  Legally, you may be able to deduct some meal expenses, but not the $6,500 variety. If we had receipts for those meals, I would be more inclined to do it. But in reality, the amount ends up being $1,000 a year. Not worth the audit, IMO.

My girls. We are down two chickens and I have no idea what happened to them. One (Maeve) went missing a few weeks ago and the other (Lily) went missing this week. We’ve cased the neighborhood with no luck. So now we have seven hens and that jerk of a rooster, Mouse.

I also really suck at writing thank you notes. My cousin Emily  sent me a crafty and thoughtful Christmas gift and I have yet to send her a thank you card. And my girlfriend Angela gifted us the coolest freaking chicken print that I can’t wait to hang up. Once it’s in place I need to take a photo. And send a thank you card.

So there's your lengthy catch-up. Here's to hoping the next update is far more positive!!

Thursday, January 3, 2013

25 Things - The 2013 Edition

I kicked off 2013 in the best way possible... with some of my favorite people at a low key pajamas-required New Years Eve celebration. Meat pie, oysters, cheese in multiple forms, margaritas, champagne cocktails and more deliciousness were consumed. New Year's Day was spent recovering with a Walking Dead marathon.

I started back to the gym (again) last week, which was admittedly poor timing. I'm not going to beat myself up over it and this time I've set what I think are very reasonable goals. Sure I'd like to weigh what I did when Jay and I started dating, but the fact is that I wasn't all that healthy back then. Although I was working out like a maniac, I had some pretty unhealthy eating and drinking habits. My new goal is to lose about 13% of my body weight and to work out at least three times a week. My previous goal had been to lose almost 20% of my body weight, which I think was probably a recipe for failure. When I get down to my goal weight, I can decide if I want to lose those last ten pounds.

I'm looking forward to these 25 things in 2013 (not resolutions - and also not in order):

  1. Be more positive
  2. Lose ~13% of body weight (or eat healthier and exercise at least 3x a week)
  3. Start a few plants from seed for the garden
  4. Come up with a new budget and stick to it
  5. Get rid of the red couch and chair that I freaking HATE
  6. Purchase new furniture and decorate downstairs
  7. Put together a time capsule for our house
  8. Blog at least twice a week
  9. Get organized - important documents, books, seasonal items, etc.
  10. Be in good enough shape to hike the Tongariro Alpine Crossing (aka Mount Doom) in New Zealand
  11. Raise a small flock of chickens for meat (at least six)
  12. Sell some eggs, otherwise we'll be overrun when the new chickens start laying
  13. Snorkel the Great Barrier Reef, even though I'm scared of being eaten by a shark
  14. Snuggle a koala
  15. Install the heat pump downstairs
  16. Make room in the budget for a cleaning service
  17. Get the crawl space insulated
  18. Have photos done and send Christmas cards out this year 
  19. Fence in yard
  20. Hatch out some silkie and black/red star mixes 
  21. Say no and not feel guilty afterwards
  22. Have an awesome time at the Mardi Gras Ball
  23. Can tomatoes from our garden
  24. Print "before" collages to frame and hang in the house
  25. Use at least one week of our time share
We'll have to see how active Mount Doom is for #10. Apparently it has erupted quite recently!

That's all for now... I suppose that I should start working on my next blog post and plan my next gym visit!