For the past several weeks I've been in the throes of refinancing my mortgage, digging through old paperwork and trying to prove to the bank in all manner of ways that I really
am committed to living well within my means and have been doing so for decades. As I mentioned in my last post, soon the old house we live in will be appraised.
J and I are very private about our home and have been known to regularly hide from both phone calls and visitors, even well-meaning ones. Our simple lifestyle, which involves no central heat and no
tv to name a few apparently shocking examples, has become perfectly natural to us but is inevitably met with raised eyebrows from others, along with the following two questions:
"What the hell do you do out here in the middle of nowhere without a tv?" and
"How cold is the house when you wake up in the morning?"To answer, J and I are incredibly good at entertaining ourselves and each other with a wide variety of time-consuming hobbies, obscure interests, and childish antics. On long weekends such as this one our laid back routine makes the advice in
Real Simple read like something Rube Goldberg could have written. In the morning, before J stokes the stove, it's about 50 degrees in here, tops. No problem, I just thaw myself out in the shower, slowly, like a piece of solidified chicken from the freezer. In fact, when I now try to sleep in a well insulated, nicely heated room I shrivel up like a raisin, and if I were to stay at your house I'd have to throw open a window and drag the bed in front of it, or else curl up beneath a tree in your back yard. I take my sleeping bag with me everywhere, just in case, and have a funny story about this I'll share with you someday.
The concept of a stranger coming to our house with a notebook and measuring tape to poke around in every corner of our living space feels extremely invasive to me, a kind of domestic
colonoscopy. I absolutely dread it. Had I known an appraisal was involved in refinancing I might not have pursued the dangling carrot of low interest rates. Going forward, I have to keep reminding myself that reducing my monthly expenses is an important step towards
manifesting change in the coming year. Or is it? Perhaps it's just one of
those hoops I mentioned, which I'm holding up in between where I am now and where I think I want to be. Am I
enmeshed in more
maya than I know what to do with and spending a ton of money on home repairs while I'm at it? Time always tells.
Speaking of time, when I say the house is "old" I really do mean "old" — 221 years to be exact, the past ten of which it's been in our care. You can never really "own" anything, and living in a house that's been occupied by generations of people who once harbored hopes and plans and dreams and eccentricities here, just like the two of us, reminds one of that humbling truth on a daily basis.
You can't take it with you, and as a result this house can be no more "mine" than it ever was "theirs." To me, the people who came closest to owning the house were the ones who
undoubtedly sweat and bled and woke up terribly sore after felling trees and stacking rocks to erect it — members of the Warner family, who now lay beneath the frozen ground in a graveyard up the street, where someone has taken the liberty of hanging plastic skeleton heads from the branches of trees along its perimeter.

In 1883, the same year the Brooklyn Bridge opened to traffic, this old house was already a centenarian, and this is how it looked, above. Among other area buildings and landmarks it was photographed by the
Howes Brothers of
Ashfield, MA and this photo appeared in a local calendar not long after we moved in. And yes, I
have noticed that the guy with his hands behind his back looks an awful lot like J, and would bet money that there's a woman who looks an awful lot like me standing just out of sight behind one of those windows. I certainly
feel like I've been here for centuries, a thought that makes me wonder about the concept of attachments and reincarnations and fate. I knew immediately upon walking into this house that I wanted to buy it, despite being told by the inspector that it would need to be completely renovated, despite my fear of commitment and legally binding agreements of any sort.
Here's the house on the day we moved in, January 2001. From this angle you can't tell that a small addition grew on its right side sometime in the 1960's, to house a postage-stamp sized kitchen and the room where our wood stove chugs valiantly away all winter. Everything inside and outside of the house, which had been on the market for 8 years and rented out to a string of tenants for most of that time, was painted in this same cream and dull blue color scheme. We've done a lot of painting.
Here's the house today, still standing, bordered by a picket fence that J made.
Within the short span of time since this refinancing business began I've developed an almost psychotic hyper-awareness of everything that's wrong with this piece of property, and am determined to correct all of it in 2 weeks, armed with only a broom, vacuum cleaner, assorted tubes of caulk products, and an array of Benjamin Moore paints. Last weekend, in addition to painting,
spackling, scrubbing and caulking I found myself standing in the mud-floored, stone-walled basement with a broom and a flashlight, knocking disgruntled spiders from the ceiling. You already know how
this weekend's tasks are going, and I haven't even written about J's Saturday afternoon beneath the kitchen sink yet. Suffice to say I did the dishes in the bathtub Sunday morning, and J is back under the sink now, uttering unrepeatable words...

I hate to admit it, but when the appraiser gets down to the basement, where several of the centuries old beams are slowly turning to cottage cheese from the inevitable moisture that comes when you build a house on the down slope of a giant hill and invite a forest-load of melted snow to run through its stone-walled basement every spring for 221 years, dangling spiders are the last thing an they're going to be looking at. They'll be busy ogling those beams and the great behemoth of a propane furnace that hangs rusting from what's left of the ceiling. I'm only hoping I can keep J from inviting them to view the house's "bung hole," which he claims is the legitimate term for the room-sized cave at the base of the giant center chimney. I think it's more likely a good way for him to scare whatever house guests we do have away forever.
Last week a repair man from Verizon showed up to fix our phone line and asked if he could see the basement. "Um
ok, but it's scary because it's so old" I warned him, motioning towards the cellar door, which opens up into our living room. I wonder if anyone has ever responded to his simple question in such a foreboding way. It was actually a bit of an understatement.
The poor man stood at the top of the stairs looking down into the pitch blackness and reached hopefully for what looks like a light switch but isn't. It may have once turned on the furnace, back when the furnace still had the will to turn on. There was a ominous click, followed by a long moment of silence and a healthy continuation of utter darkness below. I stood behind him, trying my best to appear as
unmenacing as possible but all the while wondering how he would react if I decided to let loose with a crazy-sounding cackle at that very moment. Honestly, at times I have no idea what's wrong with me.
Luckily for both of us he managed to restore our dial tone in a matter of minutes and was soon out the door and on his way to the next repair, hopefully in a more modern and well-lit basement.
The second strange thing that's happened as I wait for the appraisal date and
spackle, scrub, caulk and paint my way through the house is a very untimely arrival of flies and rodents. And by
arrive I mean that something has taken the liberty of chewing a hole in the kitchen wall, which now requires major triage with both
spackle and paint. And by
flies I mean a nearly Apocalyptic Swarm has filled the attic. Though J and I have been practicing strict
ahimsa for the last 7 or 8 months, respectfully ushering all manner of creepy crawlies out of the house in jars and taxiing mice to a more rural, riverside location in the back seats of our cars, last night we were reduced to defending ourselves with plastic swatters. The floor upstairs is now attractively carpeted with fly carcasses.
I can't wait until this whole refinancing business is over so I can stop looking at everything around me so critically — stop cleaning, stop bothering the spiders and the errant spots of paint on the ceilings (and J for that matter) and move on to manifesting something else to fret about. As soon as the appraiser leaves I'm going to hang a big "Go Away" sign on the door and go back to meditating and living like it's still 1823. In the end, however much we paint and clean, the house is going to be worth whatever it's worth. The experience of living in it has been priceless.