Moving to The Country
While a lot of things have changed for the SSC family in the last few months, there are some things that haven’t. We are starting to get our new schedule established, and responsibilities are getting divvied up accordingly. A new plan of attack is being worked up for this Lifestyle so we can make sure we don’t screw things up budget wise. For those that haven’t followed along much on Twitter, here’s a final update before I get down to brass tacks next week discussing all new meaty PF stuff like these topics. “What the F is the budget going to look like? Where is my sense of purpose going to come from when I quit my remote work assignment at the end of October? What is our new plan? We were successful building, working towards and implementing our Lifestyle Change, but now what?! Life moves on and we can’t just sit around watching it go by, so what are we going to start planning for next?” Stay tuned for all these discussions and more! Until then, here’s a final update on where we are.
Real Estate STILL Sucks…
Between our last update on the Houston home sale and now, our buyers credit score dropped enough that they lost financing. How does that happen you ask?! Yes, we wanted to know too, and not trusting these buyers requested proof before we would release their security deposit. Basically, they got pre-approval with a credit score around the upper 500’s and a fair amount of delinquencies and late payments on their account. Between then, and the final approval even more late payments showed up along with some other delinquencies not quite discovered or disclosed and their credit score dropped to just above 500. Guess who lost financing? Our buyers…
So where does that leave us? With the house back on the market. Fortunately, we lost out on the final month of summer before school started thanks to these asshats. Glad we went thru all that negotiation just for you not to be able to even close the deal… We’ll keep making mortgage payments, vacant house insurance, and hoping another buyer comes along. So annoying.
Our New House
Since we relocated to Oklahoma, we’ve run into some funny issues “moving to the country”. Between ticks, spiders, and scorpions, we had a bit of a rough start, but not to worry, it’s all handled and we have reclaimed the house. Well, as much as you can when you’re surrounded by 2 heavily wooded acres.
We’re about 8 miles from the closest anything which has taken some getting used to. You can’t just pop into Home Depot or the grocery like before when it was literally 5 minutes away.
Now everything is ~10-15 minutes to get there, which is fine, just different.
I love the sounds and peace of being out here. Watching hummingbirds at the hibiscus bush, deer in the yard, hearing rain on the leaves when it rains, and the kids love having lots of bugs around to catch, study, etc… I cleared out the last bit of our fenced in backyard and the front yard between the house and the street. It took a lot of work, but was definitely worth it.
We had an issue with ticks when we first got here, but after getting the dogs on Advantix, and clearing out all that underbrush they’ve become a non-issue. Whew…
In the first 4 weeks being here, we had playdates with 3 different families with kids, and have met 10 of our other neighbors. Our next door neighbor brought us brownies when we were moving in, and others have left cards in the mailbox or stopped by to welcome us to the neighborhood and introduce themselves. It’s been a great neighborhood so far with nice people and a fair amount of kids around our kids age.
New Job(s)
Mrs. SSC is starting her new job and figuring out the ropes, rankings, getting students, and all the fun stuff that comes along with teaching at a larger University. She’ll have her hands full for the first year or so getting a schedule established and getting comfortable with the switch to full-time work again. Fortunately, it seems like the department politics are minimal to null and everyone seems to be more collaborative than selfish. The former president of the university did a good job bleeding down the surplus and extra cash, so the new president is a business minded ex-CEO type and it’s funny hearing how he is approaching running the university. Reminds me of megacorps in some ways, and just being practical in others. We’ll see how it goes but it sounds like they’re headed in the right direction anyway.
I am taking over as the “default parent” with the kids and Stay At Home Dad (SAHD) role and it’s been okay so far. Only a few little bumps in the transition. I haven’t exactly established a schedule yet for things like kids laundry, groceries, and more but I’m getting there. It’s difficult when I’m still “working” as well.
Old Jobs
When I first mentioned I was going to be leaving my company in August, I mentioned the idea of a remote work transition and my supervisor wasn’t a fan. He said, “Well, remote work gigs rarely work out well, and I’d rather just have a hard transition and be done with it. No offense to you.” Well, fast forward 2 months and he starts floating the idea of me working remotely for 1 month. That led to 2 months, and by the time I signed the contract it was a 3 month remote work extension. I got them to buy 2 new 27” monitors for my office and upstairs has an area with a built in bookcase, desk and another wall of built-in bookcases that has worked out nicely as my home office area.
While this has an end date, it is fortunate to have 3 more months of paychecks coming in. Things like septic system maintenance/repairs, AC cleaning, carpet cleaning, AC system checkup and tweak, Terminix pest control (lol), multiple tools for clearing the brush, new shower heads all around, and other “new home” sorts of purchases have hit the monthly spending quite hard.
We’re ramping spending down and going back to “do we want this or need this” mindset and not just 1-click shopping with everything that comes up as a maybe. Don’t worry, this will get its own post, but for now, it’s nice having the income to help smooth the transition to a single income family.
Small Town Life
So far, I’m digging the transition to small town life. I can get into town without getting on any main road. There is a back road to get to our place whether we’re in OKC or just out and about in other places. Traffic is light, always, everywhere… People are nice, always everywhere. It was kind of surprising dealing with nice people again. Everyone asks how you are, and then actually listen when you respond. Amazing, I know! I can’t wait until Fall and the leaves change, and college football starts up. Not for me really as my universities aren’t big football schools. Well, CU may be getting back to being relevant again but I doubt it. School of Mines is well, not a big football school, or in the same division of any schools anyone cares about. It should be fun around here though since it’s like LA and the Southeast where college football is religion. I’ll have to pay attention to make sure I have something to talk about whenever it gets brought up.
Also, recycling is a big change. Since we’re in the country, we don’t have curbside recycling anymore. Yeah, wtf?! So now we have 4 bins around the kitchen area to sort out recyclables and we have to deliver them to the drop off centers ourselves. Seriously, a mega pain in the ass. I get why people just stop when you have to go thru this much hassle for it. And is it really that big of a deal to expand it to some rural areas? Evidently. Okay, rant over…
Summary
That’s about it on updates. Moving to the country, gonna eat a lot of peaches… Anyone? Anyone? Actually, we have been eating a lot of peaches as they are on point this year with juiciness and sweetness. Not much else is different really. Kids are liking school, the Boy Scouts are WAY more involved with weekly meetings, 6 campouts per year, and way more cool stuff than our last troop. Seriously, those guys just phoned it in. Plus, our daughter is going to try it out, so hopefully that will be cool for her too. Until next week, that’s it from around here.
Mr. Lyn
August 23, 2018Good job on the transition! (And winning the fight against those wild creatures invading your house 🙂)
We are planning to do a FFLC in the future, taking a pay cut and leaving the city for the countryside. We´ll be following your updates very closely!
Mr SSC
August 23, 2018Thanks! Yep, our future posts will get more into the nitty gritty of how our budget will be affected by the 1 salary, and all that stuff mentioned above. Since I’m still working another 2 months, some things might be slower to work out than others, but I’ll start tackling more of the financial aspect again, rather than just keep writing update after update. 🙂
After a year of burnout last year, I’m feeling re-invigorated and excited about the blog. Hoping to keep that momentum going thru this whole change and new Lifestyle!
Fervent Finance
August 23, 2018Awesome! Glad you’re settling in. What did you ever do with that lot your purchased? Sorry if I missed that post.
Mr SSC
August 23, 2018Nope, you didn’t miss anything. For now we’re keeping it and deciding what to do with it. The neighborhood is getting built up pretty quickly so maybe if we put it up for sale in the future it would actually sell quicker than 5 years? IDK…
Sean
August 23, 2018lol, I must be old, the first thing I thought of when I saw the title was that POTUSA song.. 😉
Congrats on all the progress!
Mr SSC
August 23, 2018Thanks! And I included a link to that song at the very bottom, but sure… We can both be old knowing that song. 🙂 Like when Fiery Millenial tweeted something about who knows the lyrics to Tub Thumping, the Chumbawumba song a while back and a lot of us responded, “Um, anyone that was alive back when that song came out…” lol
JP
August 23, 2018I remember the Presidents of the USA and Chumbawumba. Very popular in my late high school/early college days 🙂
PS did you know the lead singer of Presidents does kids music under the name Caspar Babypants?
Mrwow
August 23, 2018Sounds like fun!!!
Asshats are all around what a bunch of dicks.
Sounds like it’s going well. And yes the peaches this year are on point!!
Sounds like life is good. Enjoy it!!
Mr SSC
August 23, 2018Life’s a garden, dig it!! lol
Yeah it’s all been pretty good around here so far. Oh and the Farmer Market’s are actually farmers selling fruits, veggies, and honey, not just glorified craft fairs. Lots of good stuff indeed!
Andy
August 23, 2018I can definitely see my wife and me making a similar move to the country in the future, so it’s great to hear about your experience. Sorry that the house sale fell through!
I definitely had Peaches stuck in my head the entire time I was reading, thanks to the title, so I’m glad this reference was intentional 😉
Mr SSC
August 23, 2018I didn’t have a title until the end when I wrote that and added the lin k and then thought, “Oh… That would make a sneaky title too!” I left it vague though o it wouldn’t seem too intentional. 🙂
Good luck planning your move in the future!
alli
August 23, 2018Move to the country, eat a lotta peaches, try and find jessssusss, on our own ba da da da dadaadada
Mr SSC
August 23, 2018I was debating going with John Prine Spanish Pipedream, or the POTUSA. Definitely like Prine better for many reasons, which is why I usually throw his stuff into posts occasionally. 🙂
Tara
August 23, 2018I have unfortunately heard that a lot with home sales. And it’s always on LARGE homes too–it’s never someone who’s trying to buy a smaller starter home with reasonable payments. I can only imagine what their mortgage and property taxes would have been on your nice house with only 3.5% down.
Did you lose any money from them or at least get to keep their deposit? How does that work when a buyer renegs so close to the closing date?
TBH, it’s really the mortgage companies fault. There are a lot of fly by night mortgage companies out there that will give anyone with a pulse pre-approval. My mom bought a house and we actually had to use one of those companies because she’s retired and was partially buying with cash and needed a cosigner. It all worked out, especially since her house was only $150,000 and she had the 20% down plus the closing costs, but I know plenty of people take advantage of the smaller mortgage companies to try and get approval that only wastes the seller’s time.
Perhaps you can be more discerning with pre-approval with any future prospects and require preapproval from a larger bank.
The shrub clearing looks good! We paid an arm and a leg for some old English ivy removal but it required using a rototiller and I didn’t have the time.
Mr. SSC
August 25, 2018Well our taxes are about $10k per year thanks to TX not having state income tax and needing to make it up somehow. Last year the assessed value just crossed over what we paid for the home, so yeah, they love raising it every year. We’ve only had 2 protests reduced in 5 years of protesting…
We lost money on certain things we paid that we’ll have to pay again, and lost 4 weeks being off market when the house had started getting multipe consistent showings and was the last month of summer…
I asked our realtor about better pre-approval but he said, that’s not much more you can do if someone has pre-approval and typically they don’t lose approval prior to closing the deal. We just got lucky I guess…
Thanks on the shrub clearing. I’ll have a lot more to do once it gets colder and snakes aren’t an issue, but for now, I am fine with it just being front and back.
freddy smidlap
August 23, 2018hi. i haven’t checked in on y’all in awhile but it’s good to catch up. we went down to basically one income about 14 months ago and it wasn’t bad but it’s just the two of us and we own our house.
we’ll be doing a dry run at retirement in a rural area in 2 weeks with 2 weeks in a cabin in the woods. it should be interesting to see how much we miss of city conveniences. best of luck with it.
Mr. SSC
August 25, 2018Hey welcome back! I haven’t posted much in a while except for “update, another updae, here’s more updates…” lol
Having the extra paychecks will be good with the transition and I’ll start writing more about that sort of thing and what it’s like now that we’re actually living our plan. Was it what we thought it would be? Will it work? Is it even really the same plan because we’re not drawing down equities, we’re living off of one salary. short answer, no, no it isn’t which will be a fun post too! 🙂
Mrs. Picky Pincher
August 23, 2018Ooh Oklahoma is a great choice! My family is from there! The woods just can’t be beat; so green and pretty. I took hubs up from the South Texas area and he looked around, saying, “Why the HELL is it so green here?” Congrats on that sweet remote gig–enjoy it! 🙂
Mr. SSC
August 25, 2018Yeah, it’s nice so far! We have actual topography, and even running around the neighborhood with a 2.5 mile lloop is about 280′ gain and loss of elevation.
Allegedly, this summer has been way more wet and humid than the past and especially now, everyone is talking about how green it is and how usually everything is all brown by now from heat and no water. I’m fine if this is “humid” lol, and it is nice seeing it all green. I just know not to expect it to look like this next year. 🙂
Mr. PIE
August 24, 2018Still freaking out about scorpions and recluse spider thingys….. :>)
So much fun reading this and comparing your new lifestyle to ours.
The locals who actually ask a question and listen to the answer. Who knew??!
No horrendous commuting nonsense. Mrs. PIE is still in recovery mode from a quarter million miles and a bazillion hours commuting in MA.
Brush cutting. Still at weed wacking stage here…… Need to upgrade to that badass machine you have. Looks like nothing would stop that thing. Snow will be here in a couple of months and I need to get me a badass snow blower soon. Another line item for the home maintenance budget…..
Look forward to hearing how the work changes are going for both of you when we speak next. All the very best buddy!
Mr. SSC
August 25, 2018Hey, we haven’t seen a scorpion in 2 weeks now, and the same with spiders. I mean outside, sure still see some massive wolf spiders occasionally, but not IN the house. Also, I saw my first pygmy rattlesnake when I was running on Thursday. It was about 18″-20″ just hanging out on the side of the road, which was an even better reminder to not clear more woods/brush until it gets cool lol.
The non-commuting is awesome! For me, it’s jsut up a flight of stairs for the next 2 months and then I won’t know what it will be like.
I’m telling you, that weed whacker/brush cutter is very easy to use, can rip thru trees up to ~8″ thick, and you have little chance at injuring yourslef with it. Just don’t have anyone else around when you’re using it. It would go thru a leg and you won’t even notice… Yipe!
Have fun with the snow soon, and yeah a bad ass snow blower sounds way better than a shovel and a back ache. 🙂
Freedom 40 Plan
August 24, 2018That sucks about the house! I really hope this isn’t a sign that the banks have gone crazy again, but it may be looking that way.
Having grown up in the country, it does take some getting used to having to drive long distances to get to anything. If you haven’t already, be sure to get into some good podcasts and some audiobooks (Audible)
Mr. SSC
August 25, 2018Seriously, their credit scores weren’t even close to 600 and they had pre-approval for a $300+k house. Then when more delinquincies showed up between pre-approval and final closing they just got denied. So I guess that’s good, but still approving someone for a mortgage when they have only 3.5% to put down, AND poor credit history to begin with? Ridiculous…
I grew up in the county, so I am remembering now having to drive to get to anywhere. It’s funny, I still drive about the same time amounts as I did commuting in Houston, okay, maybe half or 1/4 of that, but yeah, it’s mostly back roads and even in town, the traffic is SO light, it’s not bad at all. Except for game day. I was told avoid town like the plague on college football game days, unless you go after the game stars and then the stores will be empty. 🙂
It’s nice so far and I’m digging the much slower pace of life. I ahve some good podcasts that I listened to on my commutes in Houston and have recently begun downloading and listening to them. Haven’t tried audiobooks yet, but maybe I’ll give that a whirl soon.
Mrs.Wow
August 26, 2018I’ve been singing this song in my head every since I got the email a few days ago. Thank you so much for that ;o). Sounds like everything is going well, maybe minus the scorpions. Just wait for a power outage, they come out in full force. I’m digging the office with all the instruments. I’ve got a guitar that’s been collecting a lot of dust lately, maybe once you’ve officially stopped working you can Skype me and teach he how to play. I desperately need some help.
Mr. SSC
August 28, 2018Hahahaha, I had it in my head for a while too, let me tell you. It earwormed everyone evidently…
Guitar playing is not too difficult, although I mainly just play chords in first position (by the head) and sing along, lol. I can skype for lessons if you want but there are a plethora of free online reources out there though that may be able to teach you better than me. I’ve only given banjo lessons, so I don’t know about how guitar lessons would go. 🙂
My fave currently is Chordify at https://chordify.net/. You can search for any song and it will not only tell you the chords to play, BUT it plays with the song being played in the background! Very fun once you get the hang of chords. In the meantime, you can just see what chords to play and play at your own speed since it may be “too fast” for beginners. If you pay for their service you can slow it down, but I ahven’t paid yet and just use the free version…
There’s also this site https://www.guitarnick.com/ or this one if you want to learn country/folk sort of music https://www.cowboylyrics.com/. Those sites give you chords, but for free lessons I’d start with this.
Basically, google “free beginning guitar lessons” and look for a site that fits you and your learning style best. Don’t pay either, there’s way too many free sites that will do the trick until you realize if you’re wanting to invest more time/money into it. I’ll be willing to skype if you want though, just let me know.
Good luck and have fun!
Ms. Fiology
August 28, 2018Woah on clearing out that brush! It looks great and sounds lovely to be miles away from things.
Um, on the scorpion, what did you do with it after you caught it?
Mr. SSC
August 28, 2018It is, and thanks! That brush clearing was not easy…
The scorpion, much to my mother-in-laws chagrin, was released back into the woods behind the house, after some photos of course… As she said, “Surely, there are plenty that killing one won’t matter.” And I told her, “Tell you what, as soon as I get stung by one, I’ll probably switch to “well you just messed it up for all scorpions”, and have a different approach. Until then, what’s the harm in releasing it back to the wild. If I find a rattlesnake or copperhead around the house, that’s a totally different story. But a tiny little scorpion? Go, run free, kill bugs…” hahahaha
Ms. Fiology
August 28, 2018It was a tiny one! I once found a black widow (didn’t know that’s what it was at the time) in my apartment in Colorado and set it free. I thought it was so unique looking that I later looked it up. Um, I was a little unnerved when I discovered what it was.
Prudence Debtfree
August 28, 2018You sure look like a badass in that photo! That was some major DIY clearing you did. Well done. It’s such a major period of transition for all of you – perhaps smoothest for the children, which is no doubt how you and your wife have set things up to be. It sounds like you’ve become part of a real community-type of place. Money can’t buy that! It will be very interesting to see where you end up devoting your energies apart from those associated with the bigger parenting role you’ve taken on. I think this is something you can’t completely figure out ahead of time. It will be a real time process of discovery. Congratulations, and all the best as you hammer out the details of your new life – budget and all 🙂
Jennifer
August 29, 2018Love the after pictures they look great and so does the place.
Aaron Smith
August 31, 2018Too many bugs in the country if you ask me.