Posts Tagged ‘off the radar’

Slow it down

June 21, 2022

Whelp.

I might have been ready to buy a house.

But the bank ain’t.

Oh well.

And actually.

Some relief.

It felt like it was moving a touch too fast.

I was beginning to feel anxiety about client’s cancelling and am I bringing in enough and how much is a mortgage payment going to be?

OH.

That’s a lot.

And fuck.

I better secure some more clients.

And shit.

I need to publish a book and can someone bequeath me some money.

I don’t really play the lotto, but maybe I better start.

Fun things the brain likes to cook up.

But, as it turns out, I am not in a position to buy anything.

This year.

I had a meeting, phone meeting, with the mortgage broker my real estate agent suggested.

And he was very clear.

Nothing to do here.

No bank is going to touch me.

I’m self-employed.

I need two years of stable income.

It’s not that I’m a risk per se, but that banks are very hesitant to loan money to the person who doesn’t have a proven track record of making money.

Cool.

I get that.

So the agent said, you appear to make enough and continue to make this much and you should be fine to get a loan.

Next year.

So.

The project is on hold and I’m not going anywhere.

Unless, yeah, some long lost relative has some money for me.

HAHAHAHAHAHAHAHAHAHAHAHA.

That’s so not happening.

Anyway.

I actually felt a lot of relief when that happened, the mortgage broker saying, not this year and I’ll contact you about this time next year and then we’ll talk.

Gave me a reprieve.

Gave me some relief.

It’s not off the radar, but it’s some ways out.

And of course, time moves quick at my age, next year will be here before I know it.

Still.

Being able to take my foot off the gas and recognize that I don’t have to suddenly work more when I already work a lot, was a relief.

And.

Summer’s tough.

Folks travel.

I’ve had a lot of cancellations with people traveling.

And I’m ok with that.

There are still new clients coming in, I have a consultation tomorrow.

I picked up a new client last week.

Turn over happens.

That’s a part of my business.

Faith that things will move and taking the necessary actions and letting go, gently, of the results, is the best way forward with me.

I also hit up the MOHCD first time buyers program zoom.

Mayors Office of Housing and Community Development.

I had thought I had a chance at some of the loan programs they offer first time buyers.

And nope.

I don’t.

The city counts gross income.

EVEN for someone who is self-employed.

So it doesn’t matter that my business eats about half of what I make, the city will count all of what the business brings in.

Sigh.

So.

I make too much money.

Funny that.

Not quite enough money in some eyes and too much in others.

I did at least save a little time and exited the zoom early when I learned that piece of information.

I looked about my apartment, it’s a sweet little space, and I realized, hmm, I have plenty, I have more than enough.

I live a lovely life.

I have two cute cats.

I have a business that I run and own.

Literally.

I am an SCorp.

Well, my business is an SCorp.

I actually have 1,000 shares if you are interested in investing.

Not that I would ever go public.

Not that I even know if that’s an option.

Totally no clue, but yeah, my accountant filed the paper work for me, my business, to become a corporation rather than a sole proprietor.

Cool.

I have no idea what it means, except, that ultimately it’s supposed to save me some tax dollars.

Ok.

A lot of this is over my head.

I don’t know anyone in my family that is a business owner.

This is all unfamiliar territory.

But there are perks, so many.

I call my shots.

I schedule myself.

I still am loving the off on Fridays gig.

I love my job, that helps so much.

I am grateful for all the other jobs I’ve had as well, they have all served in one way or another–taught me how to listen, how to care take of others, how to watch for cues in the environment, having an open door policy when I was management in the service industry, all the confidences I have held over the years.

It all added up.

I shared with someone recently, that I have been groomed to be a therapist, I was built to be one.

I am grateful for it all.

It hasn’t been easy.

No.

Not at all.

But.

It has been beautiful.

And for that I am grateful.

And that house that I have built to reside in, the corporeal one this soul inhabits.

Well.

It’s damn solid and I am content.

So much so.

A house can wait.

My home is already secured.


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