Time for a confession...my husband and I are legally separated. Yep, as in one step prior to divorce type separation. And at this point, we have opted to wait on reconciling. There are more important things on our agenda. If I were to pause and ask what those other priorities might be, guesses would likely be to attend couples therapy or decide if we really love each other or something maritally relevant.
Nope. Mainly we are delaying our reconciliation for a new refrigerator. So, my husband and I are choosing a refrigerator over altering our marital status. Based on that snapshot, we totally sound like people who should just go straight for the divorce! What kind of people want a refrigerator instead of reconciliation? Very, very romantic people. People who got married for tax purposes in the first place! People who got legally separated to buy a house! People who have a new house with a very old, leaky refrigerator!
Well, technically, I do not own this house. My husband owns this house and the leaky refrigerator. I live in this house and we call it "our" home but that is a big fat lie. It's totally my husband's house, I own all the furniture. That's how we divided it up in the legal separation. Except we didn't actually have the house when we separated, just the furniture. Technically, he got nothing in the separation. He was however, able to rid himself of my horrible, horrible credit.
Are you thoroughly confused? So was the realtor and loan broker. The family law lawyer wasn't confused at all. She totally got that I was an ignorant, my person who didn't get a lawyer in the first place when I got a divorce from my first husband. Because I made a stupid choice, my divorce documents were not written out correctly. They were correct enough to ensure that I was no longer yoked to my first spouse but not correct enough to remove me from the mortgage of the house I owned with the aforementioned first spouse. Which wouldn't of been a problem for my credit, except for the lovely human being that is my first husband decided it was good idea to stop making payments on the loan. The bank didn't think it was a good idea and my credit score dropped by about 400 points. That was an exciting time in my life!
So much for the plans to buy a new house. There was no way
that was happening with my credit score. At this point, having a wife was more of a ball and chain than usual for my poor second husband. Not only could he not date other women, my husband was stuck in a less than desirable abode. No wonder we separated!
Seriously, though, we couldn't buy a house when we were married. My poor credit made it look like I was "too risky" for a bank to approve a loan for me and because of the laws in Washington, my husband couldn't buy a house without my credit being taken in to consideration. So, we figured out a work around. The work around was to get separated and have my husband buy the house. We could of just gotten a divorce, but despite being incredibly reluctant to get married in the first place (i.e. hands gripping the steering wheel until the knuckles were white and focusing on my breathing as we were driving to the court house to get married kind of reluctance, reference first marriage), I didn't want to get a divorce. I felt sad and as it turns out, I liked being married the second time. Choice of spouse obviously makes a huge difference!
People were kind of horrified. Initially, I was kind of horrified too, but it beat the heck out of getting a divorce. Especially since in my county divorcing parents have to take a parenting class.
How fun! Local child psychologist in a parenting class! It sucked having to make major life decisions based on the fact that I was dumb (as in ignorant) 6 years prior when untangling myself from a very unhealthy relationship. It sucked that my ex-husband was intruding on my present life. It sucked to have no control over my credit. It sucked. The whole thing just sucked.
Enter the work around. Separated in September 2012, husband was pre-authorized for a loan in October 2012, house hunting commenced November 2012, offer on house accepted December 2012. Move in date: December 31, 2012.
We have the house now and the house I owned with my ex-husband that was ruining my credit sold in a short sale (hallelujah!). All the reasons for separating are now gone. People keep asking "Are you married again, yet?" The answer is, "No, because we want to buy a refrigerator!" It costs about $400 to file the paperwork to reverse the separation. That goes a long way towards defraying the cost of a new fridge! It seems like it is in the better interest of the family to go with the appliance. Our anniversary is November 29th, I suppose I could always file the paperwork as a surprise anniversary present! Because, I am romantic like that, right?
Moral to this story- 1) Lawyers are important, 2) Lawyers are important, 3) Lawyers are important. Well, no, not just that. While I don't believe that all things happen for a reason, I do believe that good can come out of anything. This whole scenario forced me to be patient, to develop greater trust in my husband, confront issues related to my ex-husband, and educated me regarding laws about marriage, divorce & property. It also caused me to delay gratification, which has heightened my appreciation for our new house. I really, really like our new house.
Of all of those, developing more trust has been the greatest gift. By virtue of being the second, my husband got handed a lot of baggage that wasn't his to begin with. I didn't have much faith in marriage in the first place, given that the divorce rate in my family was about 80%. I didn't want to deal with divorce as an adult. I was pretty full up being a child of divorced parents. I took a risk on my ex-husband because he seemed "right." I had developed this idea that if I did everything "right," I could end up with a good life. The "right" spouse was someone who was from a family with no divorce, well educated, good work history, long term friendships, no substance use, shared interests and shared beliefs. My first husband matched all of the above. He looked good on paper and his family looked like something straight out of Norman Rockwell. What he kept hidden rocked my world and shook my faith in everything, including my ability to make good judgements. What I had left was a pile of rubbish.
Enter my second husband. We started dating approximately 30 seconds after I left my first husband. (What can I say? When I am done, I am done.) I had so much baggage I needed a pack mule, so dating wasn't the wisest choice on my part, but I was done with doing everything "right." I had so very carefully attempted to live my adult life "right" and got burned. So, I was just going to start doing what
I wanted to do. What
I wanted to do is date the total sweet heart that is the man who became my second husband. I decided to screw what what was "right" and so called "reasonable." So I jumped, both feet first, into a relationship toting all this baggage and a pack mule.
Lack of trust was probably the biggest of the bunch. Lack of trust in marriage, men and most importantly, myself. When your judgement has been so epically poor it is hard to have much faith in yourself. I came to terms with the idea that I made the best choice I could with the information available to me. When I got more information, I made another choice. Those choices brought me to a life I love. So, I did gain confidence in myself and in my husband. Confidence enough to have a baby with him and then marry him when the baby was 8 months old. But, not enough confidence to be entirely anxiety free, remember the white knuckles on the steering wheel? I shed much of the baggage and no longer needed a pack mule, but like a miser, I hung on to bits and pieces.
Back to the house and the work around. This, clearly, is not the "right" way to buy a house. It is not wrong in the illegal sense, but it is certainly non-standard! Getting separated allowed us to buy a house, but it required that I relinquish all control of the process and have faith in my husband's decision-making. I wasn't involved in (read: in control of) the loan process, the real estate stuff, home inspection, nothing. My role was only to offer opinions on properties. Control is something I have used to alleviate anxiety in the past and it wasn't going to work here. Control as a coping strategy has limited utility, as I learned in my doing everything "right" phase. It is a place that is easy to slip back into, however. I needed to let go and go with the flow. And I did, and we landed in our awesome house, where I sit now.
Okay, I guess I should say my husband's new house. But, remember, it's my furniture, so the combination makes it our home! Now, if we could just find a darn refrigerator....