#55 – Where I’ve Been

On April 27, 2024, I was thrown a massive curve ball that set life in a bit of a tail spin that to be honest I’m not sure if I have still recovered from mentally. It was a lot!

In March I contacted my landlord to renew our lease for the next year, I like to do it two months ahead of the renewal date to make things go smoothly. In writing, she said yes, great. I thought, wonderful! Everything is settled for another year. At this point it was our third year living in the house and we were quite settled in, our landlord seemed pretty chill, and the house felt like home. I had set up a studio finally in one of the spare bedrooms, Kyle had a woodshop in the garage, everything was organized just right and the place gave me such a sense of normalcy where other rentals had not.

Shuffling the Deck

In April, my landlord had acted a little weird. She never followed up to sign a lease, which she is incredibly type A so I thought maybe she was busy? Then she asked if we wanted to buy the house, without any context if this was a serious request or a passing fancy. It was not the first time she asked, she did that in our first year and followed with she had no plans to sell. Odd, right? Well, on April 27 at 8pm she announced to me that she was not renewing our lease and we had three days to decide if we were buying the house from her at $210k USD or she was putting in on the market immediately, even though we had one more month on our lease.

We were flabbergasted to be honest. What? What! How did we get here? And who is this new pushy person trying to rip the rug out from under me? We took the three days to pray and consider if this was even possible, could we really afford that much? And why was the price so high for this small house, on a small yard that honestly needed some TLC after years of being used as a rental not a cared for home.

I think as humans we crave security, steadiness. The day before I felt incredibly steady. We had a place to live that was safe, with running water, heat, electricity, privacy. It wasn’t ours but as a steady tennant that paid rent and took care of it, I really didn’t see why they would want to lose that? I was clearly playing checkers when she was playing chess.

We decided to move forward with buying it in hopes that if we walked forward in faith that God would provide. Either the door would continue to close or it would slam shut. But another door would open. It may not be what I wanted but it would be according to His plan and He would provide an alternative. I clung to that as my stomach filled with butterflies that never really left. All month long.

Fact Check

That Monday I began the intimidating and confusing process of applying for a mortgage, and after what happened with taxes this year that became a little tricky. Those new tax penatlies for not filing quarterly had took a bite out of the downpayment we had been saving for and it was looking grim. I think those pre-approval forms are grim and confusing even if you are planning to do this, it’s just endless numbers, questions, terms, word vomit of legalese and bank jargon. With my head spinning as Rocket Mortgage said nada, my friend suggested I check out my bank and this is where things began turning around!

Irony of irony, I was matched with mortgage officer who grew up in the town the rental was in and he was friendly, knowledgeable and began to kick the tires on these unexpected shenanigans from the landlord. I learned it was going to be tight but possible if we wanted to buy it but that $210k was a ridiculous amount for what the house was and I was recommended by the bank to proceed with caution because on their end the math was not mathing on that price.

Things got a bit more interesting when the landlord began laying out the terms of how this was going to go. It began with stating that we were not using a realtor but a settlement company she knew with a number that didn’t work when I tried to call them. Next there was the timeline. She wanted me to write up a sellers agreement, until I began requesting an inspection and contingencies in case the value wasn’t as high as she insisted it was. She was giving us a deal you know, at $210k USD. It was a steal! She could get way more if she wasn’t doing this favor out of the kindness of her heart!

There was also the interesting niggle of the hand money, a concept I learned about this process which is where the buyer gives 1% of the list price to be held by the real estate company until closing. After the sale is final, the seller receives the money but not before. The landlord insisted that I give her a check for $5k USD to hold the house made out to her. Um, sketchy. Very sketchy. I told her several times that I couldn’t make contact with the settlement company and she wouldn’t give me the accurate contact info. Oh so sketchy.

But that’s not the end of the suspcious behavior. When I inquired what would happen if closing took longer than the lease, she promised she would never kick me and my husband out, we would just pay rent until the closing, pro-rated of course. This is where things changed though. I raised concerns over not being able to make contact with the settlement company, along with things about the house I knew were broken that the landlord had dodged fixing over the years. With her permission I had an inspection done, which she was quite disgruntled about when he found $40k plus of things that needed to be fixed that were now on the record. She began to get aggressive with me. I raised the need for things to be put in writing because under Pennsylvania law landlords are required to give a tenant 60 days written notice to figure everything out before a landlord can sell or remove a tenant. This enraged her, and she told me I was lying and her lease was above the law.

An hour later she showed up at the house and threw documents at our door which were quite interesting. There were some things that are not up to code in the house that she had acknowledged in the past and yet she seemed to get a very sudden case of amnesia. She gave us a “sellers agreement” that was just a disclosure saying that there was nothing wrong with the house, specifically lying about things she knew were broken. She signed and dated it. Next was a piece of paper saying that we were buying the house and were paying them rent for June until we closed on the 30th. This was also signed and dated.

We were told in an attached note to sign, date, and write a check that either she could hand deliver to the settlement or we could drop them off to the company (that I couldn’t make contact with) telling me of course she would get me the number. By this point, it was beginning to feel like harassment. From April 27 to this point it had been fortnight of her calling me and texting me almost daily with nagging about getting this settled as quick as possible or else. It was incredibly unprofessional and rude. I felt like a child instead of being respected as an adult with responsibilities and work I had to do. This lady’s only job is landlording and she had all day to contact me which was really frustrating because everything in my life was beginning to revolve around her wants and demands so that she could move to Florida, asap with a big chunk of my change in her pocket.

Door Shutting

Thankfully, I began to learn more about this situation from friends who are professionals in the real estate business and people in the community. I learned this house she bought with cash in 2010 for $105k that she flipped into a rental. Her number was $210k because she wanted to double her money plus a little extra from her $5k finder’s fee. There was no mortgage so all rent was icing on the cake. In the three years we rented from her, where she raised the rent, plus the hefty security deposit, she made $36,400 off us alone. This is where I could clearly see what made her tick. Greed. Because we could have easily done a rent to own, or figured this out in January, but the element of surprise was going to make her more money like a shakedown.

At this point it was pretty clear that any negotiation or talk was useless. This was a fools errand that I wanted no part of. Thankfully there was a new door opening a very exciting new door. But one part of it still remained, how would we transition from this place to our new home without drama? This ate me up for weeks. I am quite scared of confrontation and pushy people. My dad is a narcissist and uses the same tactics. Each conversation with her felt like it ripping up old wounds causing me emotional distress. My appetite was gone and restful sleep drifting beyond my reach.

But as all foolish people do, give them enough time and they will self destruct. That she did. On May 22, we received some very expensive mail. Mail from a lawyer on her behalf pressuring us to buy the house immediately, to pay her rent for June, and to send her the hand money. If not we had to get out on May 31. Even though the lease said we could continue paying her rent until we figured something out. She sent us four copies of that letter with postage at $8 USD a pop, I’d assume his hourly fee is quite steep as well. It was petty and it made us feel incredibly defeated. How were we going to do this when our new home would be settled in June? Do I need a lawyer? I knew she had no real power here because of PA tenant laws but this was beyond what I was comfortable with.

Sometimes the cost of standing your ground is too much for the mental toll it will take. I had stood my ground with my dad, and other narcists but this time there was too much at stake for someone who is who she is. Nothing was going to change her mind, it would only get worse. It makes me sad when peacemaking is not possible. I really think we could have had a different outcome here and brought this chapter to a close with mutual respect in place. I truly thought she was a nice person for most of our time renting. It was shocking to see how it all changed overnight.

Was she seriously going to make us move everything into a storage unit for a few days instead of working with us? The answer was yes. So we moved it all with the help of family and the provision of God we got it all done before May 31. I’m not even sure how we got it all done!

Now as I write this I am still waiting for my new house to close, but I sit here in the safety of family who generously gave us a place to crash until we can move in. I don’t know where I would be without people who love me and I hope that I will have the chance to pay it forward in the future.

Love Makes the World Go Round

What can I take away from this wild month? Well I’d say it has proved to me things I already knew were true. Money is the root of all evil. Foolish behavior and greed are good friends. Impatience and haste get us no where. Wisdom and love are worth more than money. Community is what makes life rich. God never drops us, His faithfulness prevails over the plans of man. Family and friendship are priceless. The United States house crisis is real and without God’s provision this story would have a different ending, which has made my commitment to donating to Light of Life even stronger in my mind because no one should fall through the cracks in the system because of someone else’s greed.

I’m sorry this was a bit of a long winded one, it was a long, chaotic story that I have been wanting to talk about since it started but didn’t feel comfortable until l was out of there. I hope wherever you are you know that you are loved, worthy, and have more value than all the gold in the world. ❤

June 3, 2024

Finding Peace in Tax Season

In the United States, April 15th is our tax deadline. This is a date for me that has a lot of uncertainty. For most of my adult working life I have been a contractor which means your taxes are not taken out by your employer but instead you are responsible for setting aside the money in your savings that is paid out in a lump sum at the tax deadline. Now even though my job has changed, my husband and I are still navigating this setup and it has given us some uncertainty about how things are going to work moving forward in life, like how one saves for a down payment for a house when we aren’t sure how much we will be paying in taxes at the end of year, because our tax rates and tax laws seem to be shifting. It did this year for sure!

We were unaware that the laws had changed for all contractors, not just content creators, etc that you have to pay quarterly. I’m not sure how we were supposed to know to be honest because no information was shared although they advertise the tax deadline and tax services heavily from December to the deadline the next year. It’s been a stinging mistake because we learned there was a hefty penalty and a brand new tax rate that we were placed into, that we will not soon forget.

I think as humans, those big structures looming over us, like the government, cause a lot of anxiety in us because we want to believe that the social contract of Rousseau is what we are getting, but sometimes in those confusing moments like new laws and penalties without proper communication about it, it feels worrying. It took a lot of maturity and prayer this weekend to just accept that my frustration at myself and the lack of transparency was out of my control and that was okay. Like letting sand fall from my hands. As we paid our taxes for 2023 and then also unexpectedly had to pay for 2024’s first quarter, I had to accept that the money that felt like security was no longer mine, it was Caesar’s, and that’s the only answer.

And they sent to him some of the Pharisees and some of the Herodians, to trap him in his talk. And they came and said to him, “Teacher, we know that you are true and do not care about anyone’s opinion. For you are not swayed by appearances, but truly teach the way of God. Is it lawful to pay taxes to Caesar, or not? Should we pay them, or should we not?” But, knowing their hypocrisy, he said to them, “Why put me to the test? Bring me a denarius and let me look at it.” And they brought one. And he said to them, “Whose likeness and inscription is this?” They said to him, “Caesar’s.” Jesus said to them, “Render to Caesar the things that are Caesar’s, and to God the things that are God’s.” And they marveled at him.
Mark 12:13-17 ESV

The timing sucked and the surprise of paying both 2023 and the first quarter of 2024 in this economy felt like a bit of a free fall. I mean in life, I don’t love surprises. The good ones for sure are fun but those bad surprises can hang over us like a cloud and that’s what I didn’t want to have hanging over me. My husband’s birthday is coming up, and there are charities we support that I don’t want to let down. I’d like to continue dreaming about future plans, have extra money to be generous if someone needs help, or just not be worried about finances. To have that feeling of serenity in the changing sea of life.

Two promises repeated in my mind as we made our payments that helped me regain my peace, which honestly made no sense aside from God and his peace that surpasses all understanding.

“And we know that God causes everything to work together for the good of those who love God and are called according to his purpose for them.”
Romans 8:28 NLT

Look at the birds of the air; they do not sow or reap or store away in barns, and yet your heavenly Father feeds them. Are you not much more valuable than they? Can any one of you by worrying add a single hour to your life?
“And why do you worry about clothes? See how the flowers of the field grow. They do not labor or spin. Yet I tell you that not even Solomon in all his splendor was dressed like one of these. If that is how God clothes the grass of the field, which is here today and tomorrow is thrown into the fire, will he not much more clothe you—you of little faith?
Matthew 6:26-30 NIV

I started thinking about the jokes people made on the day of the eclipse about going back to 2017, and where I was in 2017 with less than 100 USD to my name and no stable living situation, looking for a job as a new college grad and newlywed. It felt like my life was spiraling but then a year later I was stable with a job and a new life in Savannah. I think back to April 2020, newly laid off and with my husband’s employer looking at a complete NHL shutdown, none of it made sense, we just got back to normal and a savings, were we going back to square one three years later? And now in April 2024, I felt those same fears bubbling up.

Were we going back to that scary place? Was the rug pulled out from under me? How was God going to work this all for good? It’s funny to me now that this is the perspective I chose to focus on instead of thinking about how quickly God turns things around. In 2017, I went from rock bottom to a stable job and was ready for a big move in less than a year. In 2020, less than a year later, we were in a better situation than we left. If a big change happens, I need to remember to leave room for God to work instead of shutting down in fear and worry.

I find it to be no coincidence that I read a commentary days before that discussed the promise God makes in Romans 8:28. He works everything together for good, but He doesn’t promise it will make sense at the time, that’s where faith and leaning on His promises come in. We either choose to trust or we don’t, just like how we face trust issues with human relationships, we either trust people or we don’t. It’s a tough pill to swallow, but it’s honest.

As the dust settled and we processed the tax situation, I realized that although the way things happened didn’t make sense as it was happening, it was going to transform our future for the good. I will never again have to dread that lump sum at the end of the year. With quarterly taxes, it’s manageable chunks, which will help us figure out a down payment for a house and what I experienced this time will never happen again. This was it and now I’m free. I also remembered that after these big financial “losses” happen God does something amazing with the smaller amount in ways that only He can. It’s happened over and over in these years since 2017.

Giving to Caesar what is Caesar’s and God what is God’s is also an important part of this process. Giving back what God has given us to serve His kingdom according to what Jesus says in Matthew 25 and remembering His promise in Matthew 6 is how we plan for the future, on His promises. Being greedy and being unwilling to share my blessings with others is a one-way street to unhappiness. So how will this all play out? I don’t know yet but I do know it helped me find peace in this moment of uncertainty and being released from the dread of tax season is the answer to my prayers even though the process wasn’t how I would have chosen it to be, it will be okay.

For I was hungry and you gave me something to eat, I was thirsty and you gave me something to drink, I was a stranger and you invited me in, I needed clothes and you clothed me, I was sick and you looked after me, I was in prison and you came to visit me.’
“Then the righteous will answer him, ‘Lord, when did we see you hungry and feed you, or thirsty and give you something to drink? When did we see you a stranger and invite you in, or needing clothes and clothe you? When did we see you sick or in prison and go to visit you?’
“The King will reply, ‘Truly I tell you, whatever you did for one of the least of these brothers and sisters of mine, you did for me.’
Matthew 25:35-40 NIV

I hope that by sharing this story, of my worries and my journey to peace that I will encourage you, reader in whatever you are facing right now. Life is such a rollercoaster and it is tricky in the tough days to remember it will get better. There will be brighter days. Financial stress is a tough adversary and I am still working through how to keep calm when it feels overwhelming.

Just remember you got this! 💪 Or in K-Pop speak, fighting!

April 15, 2024

Spiraling in Silence

I like transparency and honesty, yet I have not been honest with myself this week. I have been a spiritual dark cloud with a disinterested heart towards reading my Bible and spending time each day with God. I have been running from Him, which has set me on a path of unrest and a posture that is lacking in self-care.

Neck Anxiety

Literally, my posture has been one of emotional unrest. My shoulders and neck are making me pay for it as I’ve let them get stuck in knots. Existing in the tension of my mind. The physical toll of anxious, spiraling thoughts is sometimes worse than the emotions. Because after it’s over, and my muscles relax I am left with the haunting sensation of sore, aching muscles that were unable to relax in the midst of my mind’s tumult.

This cloud of spiritual funk has left me in an anxious place worrying about things I’m not even sure I should be worrying about.

One man’s sermon should not be so destructive unless that is exactly what the enemy wants. I think I’ve been under attack for two weeks now, the anxiety I am holding in my neck certainly communicates a war in my mind.

Isn’t strange how we can be on top of the world one day and the next something knocks us down into despair. A melancholy that keeps us stagnant.

It reminds me of Elijah’s depression in 1 Kings 19.

Growth to Crisis

I’ve felt so on fire for God for months now. I’ve been stepping out in faith more, speaking out for the gospel, and ministering to my unbelieving friends with boldness. I have been tithing for the first time with consistency, and yet, even when we are doing all the right things tests come. Spiritual warfare comes. Confusion and chaos shake us like Elijah experienced after God defeated the prophets of Baal.

But he himself went a day’s journey into the wilderness and came and sat down under a broom tree. And he asked that he might die, saying, “It is enough; now, O Lord, take away my life, for I am no better than my fathers.” And he lay down and slept under a broom tree. And behold, an angel touched him and said to him, “Arise and eat.” And he looked, and behold, there was at his head a cake baked on hot stones and a jar of water. And he ate and drank and lay down again. And the angel of the Lord came again a second time and touched him and said, “Arise and eat, for the journey is too great for you.” And he arose and ate and drank, and went in the strength of that food forty days and forty nights to Horeb, the mount of God.
1 Kings 19:4‭-‬8 ESV

I’ve felt the temptation to be stagnant, or worse to regress back to a place where I am seeking my own will instead of God’s will. I know deep down nothing good would come of that choice. No blessings, no peace, no fruit.

I’ve been silent. Not praying, or looking for any quiet moments with God. I have been shying away from my usual routine of listening to worship music throughout the week, refusing to be fed, like Elijah refused to eat or drink and wished to wither away.

Chaos & Confusion

Sometimes the church has some bad witnesses and presents parts of the Bible in ways that feel more like man’s way than God’s holy way. I’ve decided to abandon the sermon series I’ve been listening to and run from this convoluted presentation of what heaven will be like and the reward system that God has. It has done nothing but cause chaos in my heart, to make me fearful of God’s judgment instead of running to the Heavenly Father with open arms.

My husband has been very patient with me, listening to my worries and my questions. He has been defeating the lies the enemy is trying to trap me in about who God is. He has reminded me that even strong believers go through times of struggle, and these weird time times can produce growth.

It doesn’t mean I am a failure.

As I am writing this I see now that the biggest way this funk has impacted me is the sense of isolation and shame.

I have kept this anxiety from everyone, including my close friends. I have felt ashamed to admit I’m struggling and have put myself in a bubble. As the week progressed I became more and more stuck in my own head. Insomnia and bad dreams have taken residence in my head. I’ve felt run down and not like myself.

Unlikely Gift

I now wonder if the mysterious squirrel or bat that was in our chimney was literally a blessing because it drove me into the welcoming hugs of my friends’ next door. The evening of the mysterious noises should have been terrible, but instead, I think now about how loved I felt. I think God brings those opportunities about to show us how loved and cared for we are, even when we are going through Spiritual growing pains.

God provided for David when David was being chased and brought his complaints to God.

God fed Elijah and cared for him even though Elijah was wishing for death.

God is good. He is bigger than our problems. He can handle our darkness. He wants to be our source of strength and I lost sight of that. I’m thankful God never loses sight of what is important and never gives up.

If you are struggling dear reader, I hope this will encourage you to keep going. You’re not a failure if you are having a bad week or a bad month. Sometimes we go through waves of emotions that are difficult to process and we need to be patient with ourselves. You are not alone.

June 24, 2023