- Everything is connected. Getting the third course pretty much gives us the green light on the house, as well as a decent monthly budget. In turn, this means that we can proceed with buying things like furniture, bedding, a bed for our oldest daughter, dishes...you know, things that people kinda need to have when they move into a new house. While in NET (New England Town), I went ahead and picked out a bedroom suit that Hubby and I had agreed upon previously, as well as a mattress/boxspring set. I put down a 20% deposit, and that ensures they'll have it in stock and ready to deliver the day we move in--yay! I also picked out living room furniture, of which Hubby approved, and all I have to do is call to place the order to get it in stock and ready for delivery as well. I'm holding off on dishes because the ones I really, really want
(aren't they gorgeous?)
are almost double what I budgeted. I'll wait and see how all the other expenses turn out--especially the inevitable unexpected ones--before I buy anything. We will, however, need to buy a refrigerator ASAP since the house doesn't come with one. I have one in mind, and we don't have many options because of height issues, but again, I'll wait until we get on the ground before doing the buying.- The Assoc. Dean was happy to submit a verification of employment to our mortgage lender, and he just passed along the good news that he was able to lock us in at a 4.5% rate for the loan, which is fantastic! Given that the closing costs are approx. $3,400, and we've already put $3,000 down in escrow, the money we'll need for pre-pays and escrow is very reasonable. We're not required to put down anything on the house since we're using the VA loan benefit, thank God!
- The only thing I'm not so giddy about is health insurance. Since we'll technically be unemployed for July and August (our contracts don't begin until September), we'll have no insurance unless we: a) pay for COBRA at over $900/month, b)apply for MassHealth, the state-subsidized Medicaid program that we may or may not qualify for, or c)buy short-term health insurance, which really isn't an option because they don't cover pre-existing conditions and two of us have them. That takes us back to option A: COBRA. In addition, NES has a probationary period of 60 days before employees are covered. This means we'll have to purchase coverage through COBRA for 4 months at more than $900/month. Don't know how we're going to do it just yet, but it has to happen. Right now, we're just saving everything we can, trying to live frugally over here (a difficult feat in Doha), and plan for all the relocation expenses we can foresee.
Many of these things--the good stuff and the bad--have been keeping me from getting any sort of sleep. I don't remember the last time I went to bed before 11:00 p.m. Staying up that late is very rare for me, so most of the time I'm exhausted in the mornings and trying to talk myself out of napping the rest of the day. I don't want to make a habit of taking sleeping pills, but the anti-anxiety meds my U.S. doctor prescribed haven't been helping lately. Not sure if there's anything to do other than just ride it out for the next five weeks.
