Secular Prayers
I lit my sort of novena candle and am waiting on news tomorrow the bank will give me a personal loan. Why? Because I learned this morning I can’t get a refi on the mortgage or more money on my home equity because they won’t lend money unless the house is 95% completed. Say what? That’s right folks. So today after S talked me off the ledge – the cost to do this house was woefully underestimated and the times have almost tripled that oversight – SO I applied for a personal loan at a rocking 12% interest to float me to 95%. I also applied for an SBA loan beyond the deadline but the nice guy on the phone said use the divorce as the reason why you didn’t apply sooner. Last resorts are borrowing against 401K at 10%, pulling out 401K with penalty (larger than 10%), and just pacing the work to my income (leaving it exposed to redo it a third time since it languished between “contractor of no import” and “contractor who does work,” entropy occurred and had to be fixed (not to mention shoddy work that had to be fixed as well).
But I have a good feeling about this – the LaLa will be my Taj Majal and I will spend many evenings entertaining there in my bare feet.
If you drive by the bayou and hear music and see through the windows folks sitting around a table laughing and drinking wine, don’t worry about the bills – living isn’t about being comfortable or about having money in the bank …
it’s about
Laissez les bons temps rouler!