Saturday - afternoon, early

We are going to a friend's daughter's 1 year birthday party in a bit.  I've done nothing today beyond cleaing the kitchen and making lunch for kids.  Unless the schedule changes - which it easily could - I don't intend on fixing the driveway and other stuff on Monday.  Someone ran over the orange cone I have over a pothole. It is highly visible with reflective tape.  Sorry, but I call such people idiots.  Those cones aren't cheap anymore.  

After the party I am going to walmart to return electronics that don't work that I bought on Walmart site and delivered, get some other stuff I need, take the boys to get $8 haircuts at Great Clips and then who knows what.  It will probably be late afternoon by the time we are done with that.  

Currently, the tablet has Tuesday as my next scheduled day of work.  He was going to have me work "Sunday/Monday".  Sorry.  I don't do this all the time anymore and I don't care how mad he gets.  I'll quit or he can fire me, don't really care.  If he starts paying me back with late loads, same difference, I'll go find another job.  I am seriously tempted as it stands to go ahead and apply for the expansion loan, interest rates be damned.  It's just that I don't really think I will qualify for having a low credit score due to too much credit card debt.

It fell another 20 points when Flagstar sold my loan to some other company.  You'd think your score goes up when you pay off a loan right? I found out long ago that isn't the case at all. The games they play with credit scores. I used to think well, I make all of my payments on time, so I should have a good score, right? NOPE.  These so-called experts lump everyone into the same category and treat everyone the same.  If I have a lot of debt, that therefore means I must be close to defaulting or even bankruptcy.  It's higher risk in their view, which it may very well be, but if I couple it with collateral, a large amount of collateral, I should still be able to get it, right?

Who knows, but seeing how the system works, I'd venture for the "no" department. Hate to be negative about it, but the games these companies play with credit scores I find to be ridiculous.  My property is worth minimum 400k.  Probably 500k.  But we'll go with 400k.  I'm looking for probably around 300k.  I've done the business loan calculators, as long as I could eventually get the place filled up, it wouldn't be impossible to make the payments and do everything else i need to do.  In the end, I'd actually need about 75 lots to be able to afford to live off of that income, make the payments and have at least 1 employee.  I would be able to take home minimum 8k per month after taxes. 

The expansion would take me to 40 lots.  I might need an employee with that, not really affordable but I can't deal with 40 lots by myself and still work a job.  Expansions have to be done in phases.  I'd ask for enough for 60 more lots but that would cost so much more money and I don't want to take that kind of risk with my life savings that I used to build this venture.  Ok, it was about 17 years worth of savings, still quite a lot of time and effort put into saving that money over time. 

To get to 70 lots, I'd have to expand up front, which would mean bringing in many truck loads of dirt to help level it out.  

Anyway, I'm at 25 more lots right now in the works tho I haven't really worked anything.  They wanted info that I would have to go to a bit of trouble to get and after I had thought about it, I just stopped.  

We're fixing to leave and I'm sitting here racking my brains trying to think of everything I need from Walmart. My trips there are infrequent and unwanted. I go because I have to, not because I want to.  The electronics I bought is $25 and change, that alone is enough to get me to go back and have that money refunded to my debit card.  

If I really needed anything, I'd say I need a much larger bedroom or a separate office.  I'd go for a house expansion, but this isn't my house and I'm not dumping that kind of money into something that isn't mine.  We really need more space. The kids are in the same bedroom and the oldest boy is getting the independent thinking that starts to creep in the older they get.  Plus, the younger gets him into trouble all the time, if they had separate bedrooms that would eliminate a lot of it.  

My house in AZ has lost a lot of value over the last year.  It was at around 350k, now it's at 280k. At least I'm not underwater with it - yet.  I find it amazing that the value went down in that allegedly red-hot real estate market.