Be careful of what you want, it may want you. I have never understood that statement more than I do now. I use to think it meant that you had to be careful because manifesting things you want can be a lot more work and effort than you expected before you began. But no, what it really means is: you can become so caught up in a situation that what you want consumes you, so completely that you lose yourself, forget who you are at your core. It eats you alive, spirit and soul, leaving you an empty shell, a shadow of yourself. It goes beyond simple growth and learning or a downward spiral. Darkness grabs you and it can feel evil, enough that you begin to believe yourself cursed, giving power to illusion.
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Where I'm at: We'll I'm not on the couch at the moment. I'm packing boxes getting ready for our move, and taking breaks to write on the computer. It's so easy for me to get sidetracked by just about anything. I started this blog to sort things out in my own mind, and writing has always made me feel better, I'm not quite sure why. I haven't written anything in at least two years, probably more like three. Writing is like an old friend who comforts me and is a companion in my life. So, I've come to understand that when I stop writing, it's a sign of depression setting in. I start to isolate myself when I'm depressed, from family, friends and the things I love that make me happy. Whether it's because I'm telling myself that I don't deserve the things that make me happy, or it's just life distracting me from happiness, I haven't quite determined. But, I have determined that enough is enough, couch life sucks and I'm done with it.
Today I opened one of the books I was packing, trying to decide if it was a keeper or to sell it in the upcoming garage sale. The page I opened to said to "Find the Silver Lining; with every bad situation there is something good that is gained." That's a universal truth, good thing because otherwise it would really be hard to ever get off the couch again. Why is it always so easy to see the bad things that happen, yet so hard to see the good???
For more than ten years I worked to manifest the house of my dreams. I wanted so much to build a beautiful house in the country, a sanctuary for my family to live and grow. In 2005 my dream came true, and we signed the construction loan in August, and broke ground in October. I was the general contractor and project manager on the job, working under my husband's builders license. I had always taken care of the accounting and office aspects of our business, but in the year before we started our own project I had been a much more active partner in the physical construction part of our business. Pouring concrete, tiling, framing and other such business. I actually enjoyed the work and the time working with my husband, so when we started our own home the dream couldn't have been better. My husband and I have always been close. We were friends in high school before we even started dating, that friendship naturally progressed into best friends, and then partners in life and work. In July of 2006 we finally got our C of O (certificate of occupancy) and were able to move in.
Dream Come True
Through some weird quirk of our luck, and believe me I know how arrogant the following sounds… but, the very month we signed our construction loan and began the building process of our house, the housing market crashed. Like my parent's divorce, and that miscarriage, and other various things, I can't quite get it out of my head that the housing market crashed because we finally achieved our biggest goal, and my dream was finally manifesting. (Yes, the universe revolves around me and my issues, didn't you know? And 911 happened just because I went to 2nd degree...but that's another story. Yes, absolutely arrogant. I already said that!!! Or, maybe just psychotic.)
Not only was our business dependant on the housing market, but my husband's second job as a concrete truck driver, was also dependant on that market. I know so many people, in different industries, who had the best financial "year" of their lives in 2004/2005, followed by a complete crash in 2006, and we did not escape that issue. Mid building of our home, January 2006, and a week after Christmas, my husband was laid off from his semi-steady driving job and our construction business, which always slowed down in the winter months, never picked up as normal that Spring and Summer. Unfortunately, I did not predict the coming financial crisis Michigan and the rest of the country was facing back in 2005 before we started our project, and by the time we did see it what was happening, it was too late to put on the breaks. (Oh yeah, btw, I'd like to publically thank the owner (I won't say his name) of American Concrete, you jackass! How much business did we throw your way, that you just pissed all away!! Dumb!) Soooo, anyway… did I mention that I get distracted easily?
We got a fairly low interest rate on an ARM mortgage. Our payment would be 1850.00 a month for five years, at which time the ARM would adjust, up or down, likely up. The plan was to refinance before that happened, we had five years to work on that. Our house had appraised at 328,000.00 and our mortgage was 250,000.00, with appreciation, in five years there was no problem, we signed the mortgage terms in August 2006. The day after we signed the mortgage my husband left for New Orleans to help clear dangerous trees that were still a threat to residences, there was still a lot to clean up from Katrina even a year later. (Couldn't quite figure out how Katrina was my fault, but it might have been my frustration with getting the building process moving! You know, some sort of chaos theory BS: kill a butterfly in Africa equals a hurricane in Jamaica, or however that theory goes.) One big mistake, beside the ARM crap, was sinking every last penny into the house and not having any sort of cushion for emergencies or unforeseen financial issues. I was proud of the fact that we had come in at 4500.00 under budget, and I should have stuck that 45 into a savings account rather than taking it off the mortgage. Hindsight is 20/20.
Recovery work had been going on in New Orleans for a year by the time my husband decided to go there. We couldn't go down there while we were in the middle of our own project anyway. We were also hesitant to go, because we had heard stories from several sources that a lot of contractors were getting screwed down in New Orleans, by companies that were taking government recovery funds, but not paying the contractors that were actually doing to work. He finally decided to go after our house was done because one of our friends and contractors was down there and he said work was steady, and that there would be work through the winter, unlike Michigan construction. He'd been down there since September 2006 and had no problems with the contractor he'd been working for. We should have listened to our gut instincts, but fear about making our payments was already setting in because it had been such a bad year. My husband wasn't actually screwed in New Orleans, and he absolutely loves it there (me too, I visited), it was a storm that rolled through New York that they went to clean up where he got screwed.
In November or December we got notice from the bank that they had miscalculated our taxes, so we needed 1500.00 to pay the difference by January. We didn't have the cash, because as I already said, we hadn't put anything away for a rainy day. The bank raised our monthly payments in January 2007 from 1850.00 to 2380.00, to pay off that 1500.00 for Winter taxes and to cover the upcoming Summer taxes. So, only four months into our mortgage our payments increased by more than a quarter. It didn't end there. In June and July we couldn't make our payments, so trying to work things out with our mortgage company, we tacked the payments onto the next two years, increasing our payments to over 2600.00 a month. At this point raising the payments again didn't really make sense because we were really beginning to struggle with payments at that point; and my husband was no longer cutting trees after being screwed out of 2400.00 in New York, he was onto his next income fiasco, as a truck driver. We agreed to raising the payments again because we thought we could buy ourselves some time to get refinanced. We began working with a mortgage councilor, who we found through a government website that advertised "Save the Dream!" I don't really know what happened with that situation, I think the woman took our information, filled out her paperwork so she could collect her government paycheck, but other than that I have my doubts as to her really trying to do anything to help us. Every time we called for an update she would tell us that we were getting closer, that the laws were changing on FHA loans and more and more people were qualifying, she was sure it was only a matter of time before they could refinance us. This went on for six months and every month we told her we were getting to the point where we couldn't make our payments. She reassured us by telling us that it would be fine and that it would actually help our cause if the government saw we could no longer make our payments, that it would actually speed up the FHA process.
Vendetta is a lovely word my husband's good friend Chicago Bob reminded me of the other day while he visited. There aren't many people on that list, but there are a few. Good thing there aren't any Strega's in my family; well, good for them. Doesn't matter though, because what goes around…
After eight months making western union payments to the mortgage company on the first of every month, (26 hundred and some odd dollars, who cares about the cents), we got to the ninth month and were out of money and luck. The deal was if we couldn't make the payment on the first, we had no leeway left, the foreclosure process would (and did) start. By this time my Dream had long turned into a Nightmare.
The mortgage councilor from Franklin Street Mortgage was still assuring us that things would be okay, and now that the foreclosure process had started the refinancing would definitely progress at a quick pace, and that we should have much better results than we'd had so far. Whatever those previous results were, she never said. By this time I had little faith left in her assurances and I started talking to the loan department at my bank, where I had just started to work. What I learned, from my bank and not from my mortgage councilor, was that my mortgage company had been reporting the last eight months of payments that were made on time according to the revised agreement, as three months late each of those months. In fact, destroying our credit so completely, there was likely no way we could get refinanced by anyone. None of my phone messages to the mortgage councilor were ever returned after that, not only that, but no one was at the office when I stopped in. I have no idea what the fudge those people ever did, other than give us a line of shitake mushrooms.
Ask, and it shall be given. That's what it says in Matthew anyway. Job was rewarded double what he lost, because he never lost faith. Even as a child that never set well with me though, twice as many children still wouldn't make up for the ones lost, imo. And since I had a complete breakdown of faith, guess I'd be screwed, if I were Christian that is. ;-) No, at this point I'm wondering what SOB sent a curse my way, so that I can send a whopper right back! A child of the Goddess knows that sometimes what we ask for isn't given, but usually that's because there's something better out there for us. Then again sometimes we get exactly what we ask for, but it isn't what we expected. That's a kick in the pants. Makes a person, at least a person in my depressed condition, never want to ask for another fing thing. Like I said at the start of this, be careful what you want, it might want you.
So many people are focused on one universal law, the law of attraction. The Secret, and Oprah, have made that law very popular and familiar, so some may think I and others going through similar circumstances have brought it upon ourselves through negative thought and attracting negative circumstances. Depressive thoughts do in fact breed depressive attitudes and conditions, I don't dispute the law of attraction or the power of thought. But, the law of attraction is not the end all be all law of the universe. There are many Universal Laws. The law of Spirit, the law of Choice, the law of Return, the law of Abundance, the law of Cycles. Just to name a few. Still, it doesn't matter how positively you think the sky is green – the sky is blue. And I'd be careful trying to think the sky green anyway, because that's likely to bring a horrendous storm down on you. My point? Sometimes fear is stronger than faith, and sometimes it's hard to trust once you've been burned. Ultimately I think the Universe a benign and healthy place, but you can't just blindly follow and trust that nothing bad will happen to you. It's wise to prepare just in case. It's wise to not walk down a deserted alley on faith alone, inviting fate and the local scumbags to rob you. Sometime's fear is just ego fighting change, but at other times it is a warning of imminent danger. It's not wise to either disregard fear, or become completely inhibited by it. Maybe experiencing a loss of trust or faith is necessary for letting go. When experiencing a great loss like that of a dream, or a home, or a loved one, maybe a breakdown of our beliefs is necessary to healing and becoming whole once again. After all, loss is the crumbling of a structure that previously supported the world we knew and lived in, the breakdown of that structure would naturally initiate a change in what was previously true for us and what could be trusted before.
Interestingly, coming to acceptance – the last stage of grief, has brought me back in some ways to old beliefs and a renewal of trust and faith. Strange because just a few months ago I wouldn't have bothered to get off the couch long enough to get a book to look at whatever message it might have for me. So, maybe I'm healing, despite drawing closer to the day I leave this house…not mine anymore. And so, to honor that message; find the silver lining, from every bad situation something good is gained. I'm not sure what has been gained yet, but I'm feeling some relief that we are moving forward. We have a place to move. An apartment, much smaller than where I'm living, but it's giving me an opportunity to purge the junk I've collected the last several years, even before moving here. I'm not even sure where half this clutter has come from, but I'm looking forward to simplifying my life. I'm also looking forward to some maintenance free living for awhile. While I'll miss the idea of having my own garden, the reality is that half of what I planted went to waste or rotted because I didn't have the time to maintain or harvest it properly. I won't miss the yard work either. I can keep my herbs in pots on my deck and that's all I need for now. I'll miss my trees and dog, but I won't miss the dog hair in every conceivable place, and there are new trees where I'm moving.
A true blessing that I am grateful for; after all, the Secret is right about gratitude. I am healthy and cancer free. The lump that so frightened me shortly after my birthday and uncle's memorial service, actually inspired me to begin living again, and stop wasting away on the couch. My Aunt's suicide did save my life, it shocked me out of suicidal thoughts! But, it didn't inspire me to live. On the couch I would ask myself: "What's the point if all my efforts are going to go to shitake anyway??" Well, like they say, it isn't about the destination, it's about the journey! It's kind of funny that the possibility of (or even the actuality of) a life ending illness can spur a person to live their life. Depression is a foul curse, and the only way to break a curse is to decide to break it, apathy be damned! The silver lining to moving? I that I'm MOVING again. One thing that I won't be moving with me, can you guess? The couch!
I'm Healthy Celebration!
