Created by MyFitnessPal - Free Calorie Counter

Saturday, 8 December 2012

Updates 'R Us

This has been a rough rough week. In a follow up to my previous post, I lost again, this time at the tail end of my TOM. Down 4.4 through my TOM. Not too shabby. So down another 2lb this week. That officially put me back in the 140s! 149.8, but whatever :) That was my Christmas goal to myself. To lose basically 13lbs before Christmas. I have 0.8 to hit the actual 13, but I am stoked nonetheless.

So weight loss good. I didn't use any WPs over the week (considering I had used basically all of them at Red Lobster last weekend, this was a good thing). I only got about half of spin regular instructor was away and there was a sub. Oh god was she awful. I was bored in spin class. That's not normal. The songs were slow and boring, and so was the instructor. I don't waste time doing things I don't enjoy, especially since I knew I had marking etc. to do, so I left. Then I didn't work out Wednesday or Thursday.

Why may you ask? could have something to do with the fact that bf and I put an offer on a bigger condo in our same building. It was accepted and we entered into the hell of negotiations and getting financing.

Now here's the situation....we could have gotten it. Realistically, between what we both make in our salaries and contract/freelance work, we would have been approved to carry both the mortgage of our current place (we wanted to rent it out, not sell), and the mortgage of the new place. That's about 600K...but we would have been approved. However, and this is our mistake...I take full responsibility for what happened. After the offer was accepted, we had 24 hours to come up with the $18,000 down payment. This was not going to be a problem since my bf had about 25K in his bank account from freelance work. The plan was for him to pay for the deposit, closing fees etc., and I would pay him back monthly. However, when we started looking at it, a) his money is in USD because most of his clients are American, and therefore with the exchange rate right now he would lose a lot of $$ if he were to convert it right now, and b) when it came right down to it, I couldn't afford the increased mortgage on top of paying him a loan fee. It would put my personal debt ratio up crazy high.

So on Friday morning (after my WI, which I think was helped by the like 1/4 of my dinner I was able to stomach the night before), I called the realtor and told him that we couldn't put together the deposit. He started freaking out, and got me freaking out because when you accept an offer to purchase a property, that's a legally binding document. We were contractually obligated, at that point, to purchase the property. This went on for a couple hours (and being told that the sellers could take us to court if they wanted to)...finally, I called my mortgage broker and told him to strip our incomes...take out the contract/freelance work. Would we still qualify? No? Problem solved. Got him to talk to the realtor and this whole mess was over. Property purchases are usually conditional on financing...It was such a hellish day. I can only imagine what the sellers felt like. I never in a million years wanted to cause that hardship to them. We truly, 100% wanted that condo. It was wonderfully upgraded, 2 bedroom, 2 bathrooms, parking, locker, quiet etc., good price (which in downtown Toronto is saying something). I truly feel bad for accepting something and then going back on it less than 24 hours away. I know how stressful it must be to be selling in this market. But when we looked at the brass tacks of it all, it just isn't doable at this time. We were too hasty. We're outgrowing our current place, and that frustration has led us to jump ahead of ourselves.

I had a stress ear/headache all day yesterday and just felt sick to my stomach. Apparently the realtor also called bf and was almost threatening like...I kinda had to laugh at try to take the hard line with the Moroccan and he'll go in the opposite direction just to spite you. He could 100% agree with you, but if you try to pressure him, he'll go the opposite way just cause.

So it's not been a good time lately. But did I go to food? Nope. I was tempted at Starbucks yesterday morning eyeing those chocolate caramel muffins they have. It was one of the few times I actually consciously said "no, this isn't going to solve your problems," and left with my 2 pp skinny peppermint mocha.

I did indulge in a grilled cheese and clam chowder for lunch today, but I'd been thinking about it for awhile, so I'm ok with it.

Now I'm Christmas baking (I give cookie packages to co-workers) and watching the BLTs!

Here's hoping next week is better!

No comments:

Post a Comment