Saturday, July 12, 2008

Curses in disguise...

That things can be a blessing in disguise is a known thing. However, as I've learned today, things sure as fuck can be a curse in disguise too. 3 years ago, my mom and dad decided to place a bid for an apartment downtown Trondheim that they were either going to use as an investment or if I wanted to, I could take over. As I at that time was living in a crappy and cold apartment which I rented, it really was a no-brainer. Getting into the real-estate market can be a great investment, especially for me who is still quite young. I've now had the apartment for 3 years, lived in it myself for 1,5 of those, and rented it out while I've been living in France. I'm the one in charge of the apartment and all the payments, so my parents are only guarantors for my mortgage.
Now, while I've been gone, the intrest in my bank has increased significantly. I've been aware of the increase, but I've never really thought of how much it will actually increase my monthly payments. My dad contacted the bank a while ago to ensure that the monthly payments wouldn't increase with the result that what I'm paying is mostly intrests. As I'm going back to school this fall, I had planned on requesting paying only intrests, making my monthly payments lower than I'm currently paying so that I didn't have to spend all my studentloan money on paying my mortgage and then work around 30% to get some extra money for food and stuff like that. But as it hit me today, my monthly payments have almost doubled since when I started paying so the amount I'm paying today IS the minimum amount. Which means what I need to pay is 700 NOK more than I get as a loan each month. As such, I will need to work lots to be able to afford the other bills I will need to pay, food and phone/internet bills.
So I just went from really looking forward to moving home and focusing on studies to being mildly frustrated and quite panicky. Oh well, maybe it will turn into a blessing in disguise anyway, in the long run.

I've been in a really bad mood today. Not just because of the above mentioned, but just "en general". I think I just woke up in a bad mood today. The poor guys at work have been walking on eggshells around me all day. I'm not often in a bad mood and especially not as bad as today, so I think its quite noticeable. I'm usually the one laughing and smiling and stuff. ^^ Thank god I haven't had to speak to a lot of customers at work today - talk about accident waiting to happen! :p

Besides from that, not too much happening in my life. I'm still and forever will be Queen of Procrastination and have spent the evening playing WoW instead of emptying my bookshelf, cleaning it and dismantling it as I should have. I've sold it to a guy at work, so I need to make sure it is ready for pick-up when he wants to pick it up. Maybe I'll get something done this weekend. WTB parental control for my WoW accounts! *changes password quickly before Rob reads this and actually puts parental control on*

Oh well, time to go to bed and read a few pages of my book before I pass out. I'm reading Wives & Daughters by Elizabeth Gaskell at the moment. I may review it once I'm done with it, depending on my internet-status the upcoming weeks.

*Siri*

1 comment:

Rob said...

Parental control for your WoW accounts wouldn't be enough to stop you procrastinating you know you would just find something else to 'distract' yourself :P