Tag Archives: stress

Stress Fracture

It’s been a crazy-busy couple of weeks.  Work has been particularly busy for a while now, which I guess is good, because it’s job security.  But lately it’s gotten…well, let’s just say there are three of us, and all three of us have had a mini-breakdown over the last month. 

Last week, the week before Valentine’s Day, was particularly bad, and about noon that Friday I was really having a hard time keeping it together.  Add work stress to the stress in my personal life (see previous posts…), and it’s really no surprise I was on edge.

About 1pm, I got an email that I had a delivery at the front desk.  I didn’t really think about it at first, about the fact that it was Valentine’s Day.  I wondered what it could be.  Then, five seconds later, I remembered it was Valentine’s Day, and I really wondered why I would have a delivery.  I got up and started walking to the front desk, wondering if maybe The Pilot had sent me flowers, as an apology or something.  Five seconds later I shook my head.  No way. 

I was about halfway to the front desk before I remembered that my Dad sends me flowers every Valentine’s Day.  And suddenly, it was all too much.  I knew I couldn’t make it to the front desk, I couldn’t pick up the flowers, and in fact, I was lucky to be able to turn around and make it back to my desk without completely losing it. 

I sat down and looked at my coworker, and told her that my Dad had sent me flowers, but I couldn’t pick them up. 

And that’s when I lost it.  Sobbing, at my desk, trying to keep it together and failing miserably.  My coworker took pity on me and went to pick up the flowers while I tried to get control of myself.

No one thing did it.  Being dumped the way I was, and dealing with the new knowledge about his double life.  Stress at work.  The stress of Valentine’s Day.  It just all snowballed into a sniveling mess.

Things will get better.  I will get better. 

And until then, I will get by.

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“Wait, so you want us to actually PAY your property taxes?”

I refinanced my condo, and the closing was yesterday. But it almost wasn’t.

Back in May, I found out that the county showed me delinquent on my property taxes for 2006, 2007, and 2008 – since I’ve owned the condo. Since the property taxed are set up to be paid through escrow, I contacted the mortgage company. They said they’ve been paying, and it must be a mix up. Long story short, the mortgage company has been paying the property taxes on the wrong parcel number. Once we (read: I) discovered the error, they were working on correcting it. I checked online in July, and the county showed me with a $0 balance, so I thought it had been resolved.

Flash forward to yesterday. My closing was scheduled for 3pm. Around noon, the title company discovered that I am now 4 years delinquent on my property taxes – 2006, 2007, 2008, and 2009. I contacted the mortgage company, and they said that disbursements had been made, and they would open a work order to research the issue. I asked if the disbursements had been made on the correct parcel number this time, but they were unable to answer that question, so they transferred me to the tax department.

The tax department showed the disbursement for 2009 taxes, but said that the other “disbursement” that should have covered the past three years was actually a refund from the county “for payment on the wrong parcel number.” Okay, so did they then reissue payment on the correct parcel number? Doesn’t look like it, but they’ll open a work order to research it.

The title company asked for something on letterhead stating the mortgage company would get this taken care of, otherwise I couldn’t close on the refi. I was told that the “supervisor is not authorized to issue any sort of promise to pay,” or, for that matter, any sort of letter stating that they were researching it. The turnaround on the research department was generally 10 business days, and “there’s no way to expedite it.” I asked for the number to call the people who would be researching it, but…they don’t have a phone number.

Great. It’s now 2:27pm, I have to leave work in 3 minutes to make the closing, if the closing is even going to happen, which, at this point, it doesn’t look like it will. My friend and mortgage guy says to go ahead and head that direction, they may be able to work something out.

Another long story short, I essentially had to promise to cash out my 401(k) to pay the taxes, should the mortgage company not get this worked out. The lawyer I was working with was flabbergasted (don’t get to use that word too often) over the whole ordeal, and recommended I threaten to contact the banking commission.

The closing went through, so yay. However, I was expecting to get some money back, and I was looking forward to buying new appliances for my condo. I didn’t find out until the closing that that part didn’t go through. I was, however, getting a whopping $125 back. Not quite the $1600 I was expecting.

I’m now on a 30 year loan at 5.25% interest, and I really never want to deal with any of this again. Of course, I know better than that, but it’s possible that I’ll never move. I’ll stay in my tiny condo for the rest of my life, alone, but for a series of cats. I don’t think it’s in me to become a crazy cat lady, but it might be worth it if I never have to get a new mortgage again…

I’m over this week

I am having the week from hell.  I mean, literally, from hell.  I swear, all aspects of my life are FUBAR right now.  Work is killing me.  I’m a bit irate with The Pilot.  I thought I was getting ahead in the money department, but then I got a bill for $500 I wasn’t expecting.  I’m PMSing, and I’ve been an angerball and an emotional wreck for at least the last four days (maybe longer, but I may not have noticed it over the weekend), and all I can hope for is that my period gets here soon so I’m not ready to kill people (and, to quote my mom, “Everybody else hopes it arrives soon, too.”).  I had lost a few pounds, and then haven’t been able to work out all week, because instead of walking at lunch, I’ve had to work through lunch, and instead of working out after work, I’ve had extra-curricular activities.  Seriously, right now I want nothing more than to win the lottery and not have to work, have the perfect love life, be skinny and in a good mood, forever and ever amen.  Really, is that asking too much????  Today at work I kept making stupid mistake after stupid mistake, and I lost count of the times I had to fight off tears of frustration.  At lunch I decided I wanted French fries and a frosty, but I didn’t end up getting the frosty, and then I couldn’t get into my honey mustard packet.  Seriously, did I mention week from hell?  I haven’t even gotten a beer out of the fridge, for fear the fridge will break when I touch it! 

Mantra for the evening:  Tomorrow will be better.  Tomorrow will be better.  Tomorrow will be better.