I am at the beginning stages of trying to refinance my house, as part of my divorce settlement that was awarded in November of 2013, and I am finding it very hard not to be both positive about the experience as well as nervous and doubtful that this huge personal achievement will come to pass within the next month as I had hoped.  Anxiety about the possibility of my home not being assessed at a high enough value to be able to refinance yet has definitely been creeping in as I reflect on the time I tried to refinance as soon as my divorce was awarded, though I am trying to rationalize the thoughts as trying to keep myself grounded in reality, in case things happened as they did before, and hope that my anxiety is not a form of self-sabotage or the negative version of the Law of Attraction that will garner me the results that I truly hope do not repeat from my last experience.

I have sacrificed a lot to get where I am at and feel proud of my accomplishments, yet there is a part of me that seems to be feeling quite a bit of shame in feeling proud, as if I need to ensure I’m not so confident that I end being arrogant and feel completely defeated if I need more time to unlock the life achievement that I’ve taken great care to try to unlock.  I know failing at this goal, at this time, will not break me completely, though the reality of pushing the goal off to a different time frame, again, will have some ramifications that I’d rather avoid, including pushing off the extra things that I would like to give to my children.

My children have everything they need; a roof over their head, utilities, food, and even clothing, though there is so much more I would like to be able to give them.  I would love to be able to take them traveling and experience places that I was blessed to be able to experience, just for starters, though the luxuries I seem to be denying them that their peers have been afforded are lower on my priority list until I can get past this hurdle of refinancing my house.  That is a concept I have tried to explain to my children after every “…but everyone else…” and “We don’t get anything…” comment is made; we have to sacrifice now so I can get to a point of budgeting in those luxuries and maintain the home we have as well, and it is a promise I made in the dissolution of my marriage to their father.  I have to legally keep this promise before I can focus on giving them any of the things they want that are over and above what they need to survive, which can be a difficult concept to explain without sounding as if I am being selfish, especially when I am at a point in life that I refuse to go into debt to put my children first outside of their immediate needs.

I was heartbroken when, after my 4th attempt at filing for divorce and it finally being granted (doing things pro se 3 times previously just didn’t work out; the judges would not grant our mutually agreed upon settlement – a point I can see both sides of, begrudgingly), I immediately sought to refinance the house as my ex-husband and I agreed upon and was told I needed to pay off about another $10,000 in debt before I could refinance. The mortgage and equity loan were the last items that I needed to remove his name from as far as jointly owned/responsible accounts, and the sooner I could get that accomplished, the better, as there was always tension when it came to finances between us that would lead to closure and less to argue about if it could be done as soon as possible.  It was frustrating to tell the mortgage banker that I already had a loan against my 401K account (which was used to help pay off the extra $6,500 in credit card debt I had agreed to take on), and had no family to lean on for such a loan, and realizing that any personal loan would not get me any closer if I used money from such a loan to pay down the outstanding equity loan balance.

I felt completely devastated at the news, since I could afford the house payments on my own, which unfortunately was part of the problem in our marriage that, I believe, made him feel so emasculated (in addition to the resulting affair I ended up having), and with the way I had evolved my finances over the years and my length of employment with the same company, I had agreed to take on the house mortgage on my own, as well as the home equity loan we had against that, and even his half of some credit card debt that we had obtained over the years, in lieu of him receiving half of my 401K retirement balance.  Needless to say, my ex-husband actually got a pretty good deal, even though I was not giving him half of the equity in the house, or “buying him out”, since our house had fallen into disarray and with the amount of the equity loan, there was no true equity that I could give.

The devastation of hearing that reality, however, pushed me even harder to reach the goal of being able to refinance our house and be able to truly own the house on my own.  I had a goal, which I told my ex-husband about before we even got married, that I wanted to own a house by the time I was 30.  Due to the fact that he wanted to own a home before we had children, which he knew from the start that I wanted early for medical and selfish reasons of the ability to enjoy and be actively involved in being a mother, I was able to sign the mortgage to the house with him just before I turned 20 (in large part because of his VA status which equated to no money down and no private mortgage insurance required on the original loan), and also stepped across the stage to receive my GED in the same month.

December of 1999…talk about a time in my life that I will never forget.  It’s a time in my life I never want to forget in many ways, though in so many I wish I could forget, as I had crawled back from a dark hole that started roughly in May of 1996 (when I should have graduated high school instead of dropping out in January to move from Texas to Nebraska) when I was completely and utterly alone in a state where I had no family and friends and was taken advantage of in so man ways, and hit basically rock bottom at the end of January in 1997, emotionally and financially.  I am sure I could, and most likely will, write more about that time in my life in other posts, though right now, it reminds me that while I had some help emotionally and even a little help financially, I really am the one that got myself out of the pit of despair I was in; I knew what I needed to do and was blessed to receive some  motivation in ways, though what I did was more my determination than anyone seemed to give me credit for (or demanded that I acknowledge that if it weren’t for some help I would never be where I am now; a faulty logic that history can prove the fallacy of).

Since November 2013, I have successfully paid off my attorney’s fees (roughly $2,000) and paid off $3,000 of my mortgage principal, as well as just under $9,000 of my equity loan principal.  All I can do at this point is hope that when my house is appraised soon, that the value has not gone down enough to not be able to complete the refinance process this time, especially when I’ve succeeded in doing what I’ve done so far, with very little to almost no help from anyone else in my life.

I am looking forward to, yet very nervous about, finally unlocking the achievements I have, and this one is the 2nd one of the most daunting I have taken on in my life so far…the first was getting through my divorce, which I had never thought I would do, nor had even a thought of it being an achievement…initially.

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A Bitter Reality

December 13, 2012


First song that sets the backdrop for this part of my life has got to be “Narcissistic Cannibal” by Korn, with the raw and deep emotions in not only the tone of the voice, but in the message it actually conveys within the lyrics. This applies to a few people in my life only and things I keep in my life when I probably shouldn’t let some things just continue to be status quo…

“Don’t wanna be sly and defile you
Desecrate my mind and rely on you
I just wanna break this crown
But it’s hard when I’m so run down…”

I truly am run down from trying to maintain a status that flexes to and fro, with hidden expectations that turned to resentments, between someone who is to never to break a promise yet striving for perfection, and the most vile person that quits when they promised they never would. I want to stop wearing this invisible crown that changes on a dime, and I never know what will be blamed once I started to rely so much on you. My mind has been ravaged in ways that cannot begin to be told, sending it bouncing to extremes from one end of the pole to the other.

“And you’re so cynical, Narcissistic Cannibal!
Got to bring myself back from the dead!…”

I have always been to blame for the problems, and he always wanted to be right, no matter what the actual cost was, and I accepted it for a time, being dragged away from who I was towards what I know was dead…my hopes and dreams of further education and exploration of life, with someone I would be honored to call a life partner, best friend, soul mate, lover, and maybe even husband…while helping them grow in whatever ways they may want.

“Sometimes, I hate, the life, I made
Everything’s wrong every time
Pushing on I can’t escape
Everything that comes my way
Is haunting me taking its sweet time
Holding on I’m lost in a haze
Fighting life to the end of my days…”

I hate that I let my life get this way. I rushed into something because I felt the hurt of an unspoken rejection. I was rescued right when I was close to both making it completely on my own and losing it all because of one wrong move fueled by good intentions. I took words at face value and chose to ignore behaviors that were abusive, and even fell victim to being the attacker, so I own up to making it worse, or at least not actively better. I take steps forward, seeking outside help, for I feel it’s taking so painstakingly long and I have these hurdles that keep popping up that I have to continue conquering to get to where I want to be and letting go of that toxicity because I won’t stop having dreams and goals just because of you.

“Don’t wanna be rude but I have to
Nothing’s good about the hell you put me through
I just need to look around
See that life that has come unbound…”

The Hell you put me through has some happy moments, sometimes as small as pebbles, some a bit larger like a smooth skipping stone, and only a couple large rocks, filed away in my mind, heart, and soul. The effects of adding other stones on top of those, as they were held to the limbo status, because of the fears you carried and I had to hold as well because you chose to deny them, tossing them behind you, not realizing they landed right in front of me in my path of you. I held my stone but dropped in pace behind you slightly. With each denial of the reality I spoke of, I added my own stones inside me so I could focus on moving the stones you kept laying in my path, trying desperately to be what you said I was, yet continually had more stones added in front of me you expected me to work a way around to find you again, so I eventually started tossing a few stones your way as well as I wore further and further down. Once the stones got to be too great for me to bear, I finally saw that for me to lose the burden I was carrying and tossing, I had to toss the stones a different way, whether it was knocking two stones together to break them into smaller and more manageable sizes or acknowledge the size that they are and toss them beside me to mark my path…

And now is where the next song in the backdrop of my life starts chiming in, “Breaking The Habit” by Linkin Park, which I will break down in my next entry, because I know I will break the habit that has taken over in direct as well as insidious ways, and not only survive, but also thrive, even if only emotionally…