We are moving. For the last three weeks, I have been applying for a new mortgage. When you own your own business and aren’t a huge conglomerate, getting a mortgage is close to impossible. But I jumped through hoops, often wrong ones. For example, I had to explain every penny of income for the last two years (to prove I work at a real job and don’t have some sort of money-laundering business), but not a single time was I asked to show the work I had in the future.
Mortgages (and most other business-to-business places) are not geared to help small business owners. And yet, more and more people are feeling the entrepreneurial spirit moving in them. Maybe it’s time mortgage lenders took a kinder view of the self-employed.
The condo is ours, finally. We picked up the keys and before we had been condo owners for 24 hours, the electrician was installing a new breaker box, we’d gotten estimates for floor refinishing and were painting the walls with samples.
It’s a long step from the small-but-busy town around Phoenix and moving into Phoenix. We are downsizing along the way, and some of that will be hard. But standing on the 14th floor, looking over the Valley and seeing the McDowell Mountains, Piestewa Peak, Sunnyslope Mountain, North Mountain–well, that makes up for a lot.
Doing something new and challenging yourself is always interesting. We found ourselves spending more time in Phoenix than in our town, and we began to realize that if we spent so much time in the art and writing area of Phoenix, maybe we should live there.
The condo is on the light rail, so transportation will be easier. Restaurants, events, museums are now all within walking distance–well, not in summer, but soon.
I’ll miss my fig and citrus trees, but there will be compensations. The new place is not new, and it needs a lot of
renovations. We are doing the floors and walls before we move in, and then renovate as we go along. And there is a lot to do–we have “gold” faucets and sconces with chandelier crystals hanging on the wall. It will be a lot of work, but changing a place to make it you own has a certain charm. For one thing, you have to know who you are and what will make you content–bright colors? Earth tones? My office (which had been a vibrant coral) will be a neutral, pale yellow. One wall will be gull gray and the trim will be white.
I discovered it was harder to know who I was than to adjust to what was there and live with it. It feels good to renovate. And yes, that is a metaphor. Your life might need some updating. A new perspective will help the view considerably. It’s a real challenge to take on creating, but creating the future you want can’t be anything but amazing.
Oh, if you know someone who needs a 3-bedroom, 2-bath home in the Northwest of the Phoenix area, let me know. I have to sell the house so I don’t have to carry two mortgages for long!
—Quinn McDonald is a risk taker. She would have never described herself that way before.