Sunday, September 25, 2016

House Progress: Water Damage/Door Removal

Yes, this was our view last week. In the past few months, we noticed a small roof leak (from our flat roof) in our back room and later that a small portion of our wall paneling had swollen. Eeek! The fixed the source of our roof leak and tried a few things with our paneling to no avail. It was time to call in the pros.


After talking through it with our contractor, we decided to take out the door (that didn't even open), take out the overhang, tile up the outside and sheetrock the inside. As a bonus, we even got to add outdoor electrical outlets on the back and front (which we've never had!) and one on the inside.


Below, you'll see the panels (just to the right of the door frame) that were swollen. We found out our paneling was custom milled - we couldn't replicate it without costing a fortune.


Progress



After our awesome crew finished up, we painted to help cut down on costs. Luckily, it took no time at all!



Almost back together! We are so incredibly happy with the contractor and crew and their work. Now that we've been able to center the art and dining set, I'm on a mission to find a new rug. :-)

Saturday, September 24, 2016

It's Fall... and Still Hot

Phew, where did September go? All I can say is that we've entered fall and I'm still sweating. Where are the cool breezes and crispy leaves?

I'm feeling more like KT - I'll just sleep until it's in the 70's, thank you.


A few weeks ago we took a much needed Labor Day trip to Orange Beach. I've missed it terribly this summer without our annual family trip!


Of course, we had to bypass through Fairhope and my favorite pier.


Truth be told, we are terribly spoiled by our Ellis beach trips. It was hard sharing space and facilities with others!


Next up, I'll talk a little about our recent home renovations!

Sunday, August 28, 2016

Adding Curtains

Curtains, man. They make a difference. It's not that I have been curtain opposed in the past, they just weren't a priority for me. 

I have been thinking about curtains in our back room for a while, but never acted on it. With a little spending money from MyPoints (a great point collecting site, similar to Ebates), I told Paul that is what I wanted to spend my money on.


Those rooms are so large and the curtains really work to make it feel more cozy and defined.

Our curtain came from Homegoods and our rod came from Target. As things go at Homegoods, there was only one set of curtain panels. Once we put it up and liked it, I mentioned it would be great to have the same thing on our other set of windows. After lunch the next day, Paul snuck out to the other location in the burbs, found the same panels at the other Homegoods, and installed it all before I came home.

Paul can't keep a secret from me. When he was grinning ear to ear when I came home, I knew something was up. It was a sweet surprise!


Now, I'm thinking curtains in our bedroom might be next. Can you picture it? I'm also on the hunt for the perfect mid century nightstands with a drawer. Not having a drawer now, we leave so much on top of our nightstand.


I also felt the urge to pull out my paints yesterday afternoon. Getting back to it felt so good. I think I've had that heavy acrylic set since high school.


Sunday, August 21, 2016

Adventures in Refinancing


It all started a few weeks ago when our mortgage broker reached out to us and asked, "Have you guys given any more thought to refinancing? Numbers are really great right now."

Always open, we said, "Sure, what would it look like for us?"

When we got the numbers back, we were shocked. By refinancing (rolling our costs into the loan, nothing out of pocket), we could reduce from a 30 year term to a 20 year term for $40 more than our current monthly payment. Not bad!

However, we were already automatically paying an extra $50 a month towards our principal, which meant this new payment was actually ten dollars less than our current mortgage payment plus additional payment. How could we say no?

When it comes to refinancing, it all falls on the appraisal. Having only been in our house two years and three months, we were nervous about what the numbers would be. We had done so much, but would it show?

That meant crunch time to touch up the house, which meant a few big projects, including wrapping up painting the exterior of our house.

You may remember, we've been painting since we owned the home. Two years later, we were in somewhat of the final stretch. With our guest bath remodel, we had one exterior side only halfway painted after replacing the window and some of the shingles. Our front had only been partially painted because of a gnarly vine.

So, with a few days until the appraisal to spare, we got it done.


Lots of scraping, especially around windows where paint had bubbled at some point. Luckily, all of the wood underneath was normal.


For days straight I painted scuffed up baseboards, window frames, mullions, and touched up other spots.

Not to mention, we finished the exterior (less two sides that barely get seen). We went from dull and drab (top) to a much nicer finish (bottom).

I still feel like I'm getting back to normal after a weekend and nights spent working to get everything done. But, it was all worth it. We got our appraisal report back last Friday afternoon and we have added $45,000 in value to our house above what we paid for it. To that end, our house value was raised $35,000 above what the value was two years ago.

How much did we spend to get that value? We estimate a ton of sweat equity and about $10,000 in materials/projects. 

Here's a good house progress post from a year and a half ago - I need to do another one with our house now!

Now, having that report back, our bank said we no longer had to pay PMI, because we had raised the value of our house so much and our new loan was less than 80% of our home's value. Yes! That meant knocking another $30 off of our new estimated loan payment. If you're keeping track, that means our new monthly payment is only $10 more than our old monthly payment or rather, $40 less than what we were paying with our additional principal payment. Essentially, we'll be saving $40 a month. Woo!

I decided to do this post to help others and shed some light on the process. It's been very interesting for us as first time homebuyers to have all of these options. Here's to closing on our new loan this Friday!

Sunday, August 14, 2016

Adventures, Part II

Where has the summer gone? It was so weird to look up and it was suddenly August. Our new students move in on Friday, so it has really been hitting me the past few weeks!

We've had a few more adventures since my last post!

First, I hosted book club at my house! These are some of my sweet Fondren friends and we try to get together every six weeks with a new book. It shifts houses each time. We read a book that I picked that I do not recommend. However, we are reading Outskirts of Hope this time and I'm excited to start it.


I also heard from my friend Erin about a tiny house roadshow in Birmingham on a Friday afternoon and by that night we had a hotel booked and we were on our way Saturday morning after breakfast with our friends!


Paul was in heaven (in the top of a loft).


There were at least 15 tiny homes to look in. It was a test in patience with so many people and long lines, but we had so much fun.


Did I mention Paul loved it?


Of course, we had to make a Trader Joe's run while we were in town. We actually made two trips so we could pack an ice chest with frozen items right before we headed home.


A few of the items we're loving from them:



Also, their fantastic chicken teriyaki and orange chicken frozen items!

Next post, a big project we just finished, touching up and finishing up our house for house appraisal to refinance. We got great news about our results Friday afternoon. PSA: Consider looking at rates and numbers if you haven't in a while. We are shaving 10 years off our mortgage and only paying $10 more a month than our old monthly payment.

Sunday, July 17, 2016

Adventure

I am my mother's child, so I'm always up for an adventure. Growing up, my mom always made sure we had fun trips, even if it meant checking out a new restaurant that had just opened. We'd set out and call it an "adventure." These were especially big in the summer when she had to figure out what to do with three girls for days on end. I remember one summer we had an adventure to check out the new Bass Pro Shop because that seemed so foreign and so far away from our tastes. Of course, we gawked at all the camo and tanks full of fish. Then, we ate lunch in the attached restaurant because, why not?

Now as an adult, I really appreciate adventures. It all started with us reminiscing and telling stories one night this week. Paul always remembers his time at community college at Copiah-Lincoln CC (Co-Lin) fondly. I told him we needed to go down there and see if anything was as he remembered.

Mapping it out, I realized a few other points we had wanted to see were close together, so I proposed a Saturday road trip. Paul, always up for an adventure himself, was up for it.

First, breakfast with our friends and their sweet babies. As I like to see it, Sneaky Beans crew, class of 2033.


First up, Co-Lin! When Paul was in school, this was a street where cars could park on each side. This center area looked pretty new and all the buildings looked to be in great shape. Paul was very impressed!



I always hear a lot about Paul's old radio days here. Unfortunately, they don't have a radio station anymore, but the building is this there. The campus as a whole has grown a lot and was much more impressive than what I had in my mind.

Ten miles from Wesson is the neat town of Brookhaven. I had really only been here one time before, a few weeks ago when we were coming back from an adventure to Middendorf's but it was night time and hard to see.

I wanted to come here to check out a new restaurant called Betty's Eat Shop that had been designed by our friends at Land Versus Ocean. The design was stunning.


It wouldn't be a trip if I also didn't document the cute tiny house/hair salon downtown.


We headed further south to Red Bluff, a short distance from Columbia. Known as Mississippi's Grand Canyon, it gets larger with every rainstorm and has already forced them to move the highway several times.


It is hard to tell, but you can see the old highway crumbling. My fear of heights really kicked in trying to look over the edge!



Our last stop, Hattiesburg. We stopped at one of my favorite shops for treasures, Hudson's, and drove through downtown. There were tons of people out, walking around playing Pokemon Go. There are tons of stops there!

After an amazing dinner at Crescent City Grill, it was time to head home.


Here's to more adventures!

Monday, May 30, 2016

10 Photos for May

Don't you just have those months that you look up and a month is gone? That is May for me. Graduation, Mother's Day, magazine deadline, a surgical procedure for Paul and other things in between. Here's a little bit of what we've been up to:


The weather has been so mild - a much needed escape from the beginning of oppressive heat. It truly wasn't until today, Memorial Day, that it felt flat out HOT.


Since I always have to work graduation on Mother's Day weekend, we have had to move camping back a week. We did get together on Mother's Day for a fun lunch.


A woman a few houses over is downsizing and had an estate sale. I snagged a jadeite bowl!


Ahhh... nature! The next weekend we made it to the woods!


We were excited for the break, even though our next magazine deadline was looming.


That next week, Paul saw online that a tiny house was headed to Vicksburg for the night and sent me a message asking if we could go. My response? Of course! We were very excited to see one up close and personal.


This tiny house is only 115 square feet (with an additional 50 square foot loft).


I have had my eye on a ceiling fan at Home Depot and the other day I showed it to Paul. He pointed out that it was on sale for $60 less, so I pulled the trigger! Once the magazine had gone to press, I came home from work one evening and Paul was almost done putting it up. He's so handy!


This morning was the first pool day of the summer. Here's to many more!


Hope you had a great holiday weekend!

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