More than anything...

I know it's been a minute since I last posted something worth reading; the past few weeks have been crazy - beyond belief. From crazy monkeys (okay, only one) jumping on the bed and landing teeth first on the wooden headboard to helping pull off Alex's middle school Harvest Festival (all while working, taking care of the family and going to school)... I am tired.

One other thing that has kept me busy the past few weeks is our credit reports. Yep, you read that right. No subject is off limits here - especially one I hold dear to my heart. I ♥ Personal Finances. We have recently paid off all of our credit card debt... and are now working on a few medical bills leftover from when Nic was born. Once those are finished (January?), we will be debt free except the Van and my school loans, which are still deferred. It's time to buy us a house, people!

We are in this lease until November. We are thinking we MAY want to build, so we will start working on the pre-approval process in June or July. The pieces seem to finally be falling into place. I've been working on our credit reports for the past two weeks - disputing erroneous information, requesting validation, and checking to make sure everything is how it should be. Finally got a mortgage removed from DH's credit file (for a house in Wisconsin, um no - not us!). However, now the credit reporting agency (CRA) is reporting the other guy's name on my husband's file. What a mess. I've sent off a dozen letters trying to get it cleared. Patience is a must when fighting the CRAs.

More than anything... we are so excited about the home buying process. We cannot wait to see what the next 11 months brings us!