The high cost of living (in a house)

This week's life improvement project has been working with a mortgage broker to get a pre-approval letter so we can start house hunting in earnest.  We've finished the initial application process, and we're waiting for the great and powerful Underwriters to send word to us through the kind and benevolent Mortgage Broker.

It's been a fascinating experience, and I've learned a huge amount about the process. For instance, I always thought that the biggest obstacle to home ownership was down-payment funds, or possibly your credit score.  It turns out that I was wrong entirely.

Real life gets in the way sometimes.

Over the years, I've developed a few phrases and quirks.  Things that I'll say, for lack of a better term, as catch phrases.  It's cheesy, I know, but it's not something I've ever done deliberately.  They just pop into my head, and then pop out of my mouth.  Think of it as cliché turrettes.  Some of them I've ripped off from books or movies, some I came up with on my own, and quite a few others, I couldn't honestly tell you where, when, or how they came about.

Yes, it is your fault.

I used to have a roommate who had just split with the woman he'd been shacking up with. (there's that term again)  At the time, I was just starting to pull myself up out of divorce.  

As you can imagine, we weren't exactly the dynamic duo.  The only time the townhouse got cleaned properly was when one of us had a date; and to be perfectly honest, that didn't happen much.