At 2:10pm today I received an email that said, simply:
"Congratulations, the property has just been transferred into your name."
On December 18th, 2004, I moved out of my now ex-wife's house and into this one. At that point I was working as an IT contractor, was between contracts, had $500 in the bank after paying one month security and a half month's rent, and had no idea what life was going to hold for me. I knew it would be tough for a while and I would be scuffling to keep my head above water. It was so bad that I had to rely on a hot dog eating contest at the 2005 Fiesta Bowl for income to get some money in the bank. I had, and still have, a side business where I do in home computer repairs, but that isn't stable, as people only need me when they need me, and if I do my job right, they should only need me once. I kicked around from contact to contract, somehow pulling house calls out of my ass frequently enough to keep the bills paid. I landed a contract for a school system for decent money, but it wasn't a 40 hour per week guarantee. I relied on tax returns, living like a total hermit, trying to get invited to dinner whenever possible... really grasping for stuff.
Then in fall of 2005 I landed a contract that had some stability. The money wasn't great but it was 1.3 miles from my house, a nice benefit when you figure that the proximity allowed me to come home for lunch, let the dog out, break up her day.... That lasted until Jan of 2007 when the parent company decided that my role was no longer needed and that they would absorb the duties among 2 other staff employees. So panic set in again. And once again, lady luck (or mister magic) found me in a place to get a decent contract. That ran until the end of September when the project I was working on was put on hold and I became expendable again.
Once again, luck was on my side. I answered an ad for what was advertised as a job festival. It turned out to be one employer holding interviews at their location, and I had a feeling when I got both a first and second interview on the same day that I was a strong candidate. That company hired me, and training started one month after the last job ended. With side work in between, it worked out fine. I have now been at that job for over a year.
Now, what does all that have to do with an email 4 years later? Allow me to 'splain it, Lucy!
When I moved here, I had nothing, and a credit rating in the mid to high 400s. I was happy that the utility companies allowed me to have service with my credit history. I managed to find this rental home from a private owner, because the only way I could find a rental and be able to keep my dog would be renting without going through a rental company where they do a credit check. I did a lot of work on the house. I painted the outside. I painted every room. I put up crown molding and matching baseboard in the main bedroom, after installing carpet. I put in a new kitchen counter, cast iron sink, faucet and garbage disposal. I got a new side by side fridge/freezer, a new electric range and a big microwave. I took an ordinary deck and built it into a screened in patio. And I did this all with my own money.
Slowly, over time, I paid close attention to my spending. I made sure every bill got paid not only on time, but early. I watched my credit score move up slowly, making one big jump when I ran my report and found 3 outstanding items, one of which had been paid but never cleared, and two that I cleaned up immediately. After just under 4 years, my score went from the mid to high 400 range to 693. At that point I started saving for a down payment, and with the combination of the two, I was pre-approved for an FHA loan of $93,000. That was the signal that it was time.
4 years, 1 month and 9 days after I moved here, I was able to buy that very house. At 2:10 today the title transferred and I now own it, and sitting out here this summer will seem so much sweeter....

And the thing is, I didn't really live all that bad while working toward this day. I was able to buy a van, a newer used car, computers, all the stuff to do the improvements on the house.... I just traded having any kind of a life for it. And that was not that hard to do either, since I really have like 5 friends and I stay in touch with them mainly by email.
And while I sit here patting myself on the back for accomplishing something that has made me very proud of myself, I would not be doing justice to two other people who made this happen without giving them proper mention, Kris and Michele.
Kris is a real estate agent. I knew her by virtue of house hunting with my ex, hereafter referred to as The Princess of Darkness (PoD for short). Well, when it was time to consider buying, I called the only person I know in real estate, Kris. She worked with me in shopping for other houses in case this one was not available, she came here and worked with me on setting a fair price for this house, and got all the paperwork together. And the kicker here? This house was never listed. This was not a "sale" for her. She did not make a dime on this transaction. The same for Michele, the finance manager. She met me after hours on HER time twice to get paperwork rolling and get the loan application in motion. Again, this was not a sale by their agency and there was nothing in it for either of them. I plan on taking them both to dinner at a really nice restaurant where we live, but that doesn't even begin to scratch the surface of what I owe these two women. I will never be able to repay them or thank them enough for taking their own time to help me.
One of the things that makes me happiest is the fact that when I moved out away from PoD, she had nothing but bad things to say, going to lengths to tell me that I was a loser, how I was so immature that I would never amount to anything (funny thing is that she liked me because I am a free spirit - I guess I was a free spirit until the divorce, at which time I became immature), how I would never have anything because I had no discipline and generally that I should be grateful that she saved me from myself for those 4 1/2 really long years by marrying me.
Well, PoD, I have been waiting 4 years for this day.
I fixed my credit.
I bought a newer used car for cash last year.
I saved up the money I needed to buy a house.
I am living better than I ever did when I was with you.
And the grand finale, 4 years in waiting....
FUCK YOU!!!
PS I never really even liked you much.....