I Have No Title…

I have no title for this post that I feel I can comfortably broadcast. WordPress would certainly take a dim view of the words I want to write. Some of you may take a step back as well, but not because you are prudish or have never seen the words I want to place up there in HUGE, deeply BOLD, font.

I think that all the words that I want to use to make a title for this post might just be a post in and of themselves. I could go on to simply write FCUK FCUK FCUK FCUK FCUK… and you would likely get the idea that something was amiss, but even that word doesn’t seem to be enough right now.

My house is sold, we close on July 11th, and since yesterday it has been made very clear to me that I will not have a place to live. Now I knew, because I am a pessimist at heart, that for all the ease and predictability that has surrounded my divorce process to this point, that a change would be bound to happen. I knew that I wasn’t going to get away scot-free.

Perhaps I should backtrack for you to a few months ago, to the time that I began searching out prospective new living places. Even then it was apparent that living alone right now was going to be almost impossible. My income after divorce would not be enough to qualify for the overarching rule that ‘applicants must make 4x their monthly rent to qualify for residency.’ Learning that early on, and realizing that even if I had still been working at my old, pre-arthritis job in dentistry making $25+ per hour, I would not have qualified for residency anywhere within a 100 mile radius… well that opened my eyes for sure.

So, there were some discussions and some realizations and the youngest daughter and I worked out a plan that seemed to be beneficial to both of us for the foreseeable future. We made plans to share an apartment, thus allowing both of us the luxury of actually saving money.

We researched, we collaborated, we toured and compromised. We thought we had narrowed places down to a clearly defined list of possibilities, and we were ready. We (I) never hid the fact that my life story right now involved divorce. I spoke about the fact that online applications were devilish beasts when it came to trying to explain the intricacies surrounding my ability to prove income (the bulk of which would be coming in my divorce settlement) when they simply want to see numbers or look at downloaded pay stubs.

I was given a few ideas of options from well-meaning managers and representatives. I was encouraged to go ahead and start an application, that they were there to help.

Perhaps you should call me naive, or just plain stupid might be better. Call me clearly out of touch with the rental world after being a responsible home owner for 34 years. Call me a female body in a world where financial history means nothing when it comes to security and honesty and values. So that last one may be overstepping in this case, but I am looking for anything that I can blame. 

The bottom line, after numerous attempts to explain my income sources post divorce, as well as exactly what that income will amount to each month (which by the way along with the daughters income will over qualify us for that 4x rule), along with a copy of the settlement agreement stating said income, added to a statement and transaction history of the past 4 1/2 years of part-time employment–after all that someone yesterday finally managed to be honest and state:

“In our specific case, and quite likely with most other places as well, even though you will clearly make enough and we would love to have you as a resident, without a final, signed divorce decree, and possibly even some proof of deposits of the awarded amounts in your checking account, I can tell you that the company we work with won’t approve your application at this time.”

I had suspicions about this very thing shortly after beginning the touring process. In fact, we held off on any final decisions for some time, simply because of this lurking issue that nagged at me regarding proof. Any ya’ll know what? I get it. I actually and completely understand where every single one of these places/companies is coming from. They can’t simply take me at my word. I look like a lovely, stand-up, responsible sort of almost 58 year old woman. Beyond that though, well geez, I could be tossing any old income numbers around, trying to play them for fools. I get it.

What I don’t get is why,

given the fact that my divorce was not final when we began this process,

given the fact that we were not seeking a move in date prior to finalization,

given the fact that I cannot be the very first divorcing woman to seek residency prior to finalization and solid proof,

given that it might be a great idea to have a clearly stated policy for matters such as this and that everyone who works with applicants should have access to it,

given the fact that I never should have put the house on the market for sale this early,

given the fact that my spouse may end up being turned down for not having 4x income versus monthly rent, but NOT be turned down because HE doesn’t have a signed divorce decree,

then why, for so many other ridiculous, frustrating, naive, stupid, f’d up reasons could someone not simply have stated that this round about way of proving income we were asked to try was all going to be for nothing.

My snarky, distrustful side says because these places are all about the appearance of being genuine and helpful while deep down they only want the application fees. That same dark side of me says that it’s easier and looks better to some corporate numbers people to show that they have huge numbers of applicants so their complexes must be superior. My not-naive brain says that this is the way of the world and tells me to get used to it.

Yesterday though, right about 4pm after hearing someone tell me my plans were screwed and the realization that I now need to find a temporary home hit me in the face-

my human side,

my already overwhelmed trying-to-hold-it-together side,

my still convinced that I made the right decision side,

my non-pragmatic, I don’t want to hold this inside any longer side,

wanted nothing more than to curl up into a ball and hide in the corner.

None of the above has changed as I write this, but today is a new day, and like others who inspire me with their words and actions and perseverance, today means one foot will travel in front of the other until this issue is solved, because what else can I do.

 

Advertisements

18 thoughts on “I Have No Title…”

    1. Aww, thanks Deb. I appreciate everyone just thinking positive thoughts. It’s a huge glitch in my plans, but I just have to keep telling myself that in the end, whenever that is, it will be worth it.

      Liked by 1 person

  1. What a stupid, unnecessary mess. I imagine that this will all work out just fine in the end… but why must you go through such nonsense? I haven’t looked into renting an apartment in over 20 years, so this is eye-opening to me, too. Hoping that today will be a better one for you and your daughter.

    Liked by 2 people

    1. Thanks Ally. It is stupid and just not what I needed or wanted right now. It likely wasn’t like this 20 years ago, and not at all like this when I had my first apartment a million years ago 😉

      Liked by 1 person

  2. If you guys lived closer, I would say, we could rent out a couple of rooms to you in our now closed B and B… until your divorce paperwork is in order. You have LOTS of heavy duty things happening all at the same time….I get that wanting to curl up into a ball impulse. I really do. I appreciate you posting this to keep us in the loop. DM

    Liked by 1 person

    1. And I would gladly rent a room DM. Somehow I truly believe that I would find peace and a way to manage through all this if I hung around your place for a bit. Thank you.

      Liked by 1 person

  3. Strong stuff. Hard to read. But I can tell you are a strong and resourceful person. You and your daughter will find a way through. I hope that writing this helped a little. It helped me. Moved me as well. Maybe not (yet) to tears, though I wish; but certainly to prayers.

    Liked by 2 people

    1. Thank you for your words and thoughts Albert. In my head I have likened this entire journey of preparing for and now moving through divorce late in life as steps on a path to reclaiming myself. I like to tell myself that I’m prepared for the rough potholes in the road, but when it comes right down to it and I encounter a huge one like this it feels like a bottomless pit. I could fall apart very easily if I let myself, so I’m trying not to let myself…

      Liked by 2 people

  4. “I Have No Title” – as in, you are without title, without deed, landless, (soon-to-be)homeless.

    What a clusterf*ck. I’m so sorry that you are ensnared in a man’s world, a computer’s world, a bottom line over compassion world.

    But, I take heart in your last lines – moving forward. I’m sending out requests to the universe that you get what you need.

    Liked by 4 people

    1. Maggie, you are so very clever. I never thought of my non-title in the way you describe, but brilliant take on it! Not much one can do but move ahead, going back is not a desired option.

      Liked by 3 people

    1. Hey Annie, we thought of that initially actually. Around here, with both of us over 18, we each have to submit an application and all the qualifying information and proof of income. If she made enough herself for that 4x rule then it would be fine, but she doesn’t, so that leaves us stuck for now.

      Like

Love to hear from you!

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s