The bank has put it on hold so I can’t spend it while they attempt to figure out where it came from. Still, no news isn’t bad news

I also decided if I do get to keep the money, that in addition to paying off my fathers medical bills and such, I will probably donate some of it. I mean if I’m given a big gift of money, it makes sense that I should share some of it. I think it would please the powers that be.

I have the inspections for the house set up for Thursday (septic, well, and termite). My bank is supposed to set up an appointment with me to sign some papers for the loan. I attempted to call the cable company to set up an appointment in advance for service, but they don’t schedule but 6 weeks in advance. I have to call next week to confirm a correct day.

I think all that is left is signing for the mortgage (and their own FHA inspection I imagine), setting up of electricity and cable (I’m still deciding whether to go with an electrical co-op or a big conglomerate around here), closing of the house at the end of September, and then the start of the move.

I have a few other small things too, like finding out who the trash service is in the area, but that’s not as important as the rest. I already have eco-paint samples I’m looking at for the living room and my bedroom.

I came home from work yesterday, logged into my ING bank account, and noticed a $25,000 deposit.

Yes, that’s $25,000’s extra in my account.

I’ve called everyone I can think of to see if they knew anything about it, but no one did. I decided to sleep on it and call the bank today to see if they knew where it came from or could give me some insight. They think it’s a mistake and will be investigating it and getting back to me. I’m supposed to check my account in 2-3 business days to see if it’s been “taken care of”.

Still, it was nice to be $25,000 richer even if only tempoary.

It was even nicer still to think of us being debt free if this money isn’t a mistake. It would make my year, that’s for sure! But I will still settle my dads debt and pay off my car the old fashioned way. I suppose I could still possibly be debt free if they can’t find a mistake

There is a reason I’m making this post, but I will explain that at another time.

I got to thinking last night about the five year plan I posted just prior, and if I had $25,000….how much of that plan would be taken care of.

For example:

Goal #1 - Pay off the mustang. I have about $7k left on the car, this would be completely paid off.

Goal #2 - Pay off my fathers debt. His medical bills from his hyperbaric chamber treatments would be paid off, and his loan with HSBC would be paid off. That’s about $6.3k.

Goal #3 - Pay off the people who raised money to help out me and my father in our time of need. That’s about $6k (In reality it’s about $7k but the sweetheart won’t let me pay him back).

Goal #4 - Have 6 months worth of expenses in an emergency savings fund…which would probably round out to about $8k or so. The $5700 left over from the $25,000 would go into savings for this on top of my $3k I already have in it.

That would be more than half my goals reached, just like that. My father and I would be completely debt free except for the mortgage. I can’t explain how amazing that would feel. Especially for my father. He’s been in debt for so long, and I’ve been trying so hard to catch up with it so he doesn’t have to worry about it anymore. He’s old enough, worked hard enough, and suffered enough that he deserves to be debt free while living the rest of his years on disability.

Here’s to wishful thinking.

People that know me or have read my journal long enough know that I’m constantly re-evaluating my finances and am a very analytical person. I’m always thinking of pros and cons, future methods of doing certain things, plan A and plan B.

So it’s natural for me now that we’ve bought a house to start rethinking future plans, the first being my new 5 year plan. I had already set up a 5 year plan in January, but obviously things have slightly changed.

I am dividing this up in to Plan A and Plan B. Plan A involves whether or not the Sweetheart and I continue our relationship, and Plan B is a backup plan in case we don’t. I’m always trying to cover all of my bases so I’d like to plan for both.
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I called the two gentlemen who stopped by and asked to buy my 1979 F-150 short-bed, and told them they could have it for $500, and they agreed It has a blown 460 engine (which only got 7 miles to the gallon anyway), flat tires, and needs some body work. Not to mention part of the frame was cut out by the previous owner to put the 460 in it (dumbass).

They will be setting up an appointment with my father sometime this week to stop by and pick it up. Which means I don’t have to pay $100 to haul it wherever we end up, nor do I have to worry about fixing it up or putting in a new engine. I can just be rid of it.

I’m curious, however… the guy I spoke with said he -really- wanted this truck. I don’t know what could really be so special about it except that it’s a short-bed, and 79 short-beds weren’t very popular and are kinda rare. It sorta peaked my interest in keeping it, but I wouldn’t have the time to deal with that anyway.

As much as I’d like to keep it and restore it, it’s just not worth it to me for several years. The bronco will come first as far as restoration, and that will take several years on its own.

Bye bye F-150, I will miss you.

The following people have donated money so far to help with the down payment of whichever house we get:

Adalon from the MUD
Bonnie from the UK
Stacey from NC
Art from ADF
Sharon from ADF
Kim from ADF
Anna S
The Sweetheart
My best friend from highschool, Jake
Caryn and Will

There are still a few pending that said they may help out, but haven’t given amounts yet.

I know a few people wrote that they wished they could give more and that they were sorry for the little amount they could donate. There’s absolutely no reason to be sorry. You donated what you could to help out someone in need, to me that’s heroic.

As soon as I know of the exact amount needed vs the exact amount donated, I will post it here. If I’ve been given too much, I will start refunding people. I will probably start paying back the smaller amounts first to get them out of the way (not to mention other people need money just as much as I do), and then start hammering out the larger donations.

Those following my blog know that my dad and I are in a position to be out on the streets because our landlord has given us an eviction notice because they are selling the property. We have an option to buy, which we are going to try and take, but need to raise money for the down payment which comes to $5700. I am asking anyone and everyone who can contribute to help out, with whatever amount.

So please think about it, and let me know ASAP if you are willing. Paypal contributions can be sent to crystal [at] adventmud.org