The Perfect Dream Home

That gorgeous little cottage at the end of Main Street is on the market and Marcie and I have made up our minds-we are going to buy it. All I need to get started on this complicated operation is a Payday Loan to get me through the first few weeks of heavy expenses.

Our dream home

That cottage comes straight out of a fairy tale book. It’s white, it’s neat and it has the most colorful garden I’ve ever seen with a bright green lawn and a white picket fence. The windows have those small panes and the frames are painted a lilac color. There is a chimney on the roof; I wonder if the fireplace works? I’ll find out the very first day of next winter when we’re living there.

We dreamed the cottage dream

Almost from the day we married, Marcie and I have been talking about our cottage. How it will look, what it will have inside, color we’ll paint the baby’s room and how it will feel to live in it. We saved every penny we could, giving up all sorts of goodies and pleasures and keeping the money in our special ‘cottage account.’

We stopped going to the movies and with great pain we gave up ribs at the local steakhouse. Our cottage fund grew by leaps and bounds. I took the night job at the motel reception desk and Marcie took extra shifts at the hospital. Soon the cottage was in sight.

I took a Payday Loan so it won’t show on our credit report

We finally saw the cottage we wanted. It wasn’t exactly the one in our dream, but close. We had been pre-qualified for our home loan and our lender told us not to do anything to affect our credit before our loan closed.  I took a Payday Loan so we could hire an engineer to inspect the property before we made an offer. His report was bad; the ground was clay, the foundations were poor and the house had two cracks that you could put your fingers into. We ran for our lives. This is what people were selling?

The market collapses

Before we got our breaths back, the subprime mortgage scandal hit so we decided to sit tight with our money. I repaid the Payday Loan and we kept adding to our cottage fund. We also started going to the movies again. Things got worse. I lost the night clerk job and nearly lost the day job as well. Marcie was safe in the hospital job and the cottage receded into the far reaches of our dreams.

Awakening time

Things are changing, slowly but surely. We have a new president. Other faces are new and there are signs that confidence is returning. The last few weeks has seen a revival of interest in the housing market and sales are taking place. We pricked up our ears and started driving through the suburbs instead of sticking to the highways.

There’s our cottage!

It was Marcie who saw it. She came running into the house at high speed, yelling “Pete! Pete! I saw our cottage! Come look!”  We shot down there and one look confirmed that she was right.

We need a Payday Loan tomorrow

Tomorrow I will call the engineer to go and look. I will use the Payday Loan for his fees. I will call the agent and I will call our parents who promised they will help wherever they can. I am determined that we’ll be in that cottage by the end of next month.