New entries are on their way.

I am starting to compose updates for my blog to store in my drafts folder for future posts. I have been chronicling every step of my remodeling process, slow as it is. I’m also recording my efforts in building a garden. Rather than update in stages I will just mention projects, and provide a synopsis when they are finished . 

I have chosen this year to shy away from major capital expenditures in favor of paying off debt. This decision was made in light of market insecurity and potential future economic instability. Also due to Potential changes to future credit requirements, as reflected by my mysteriously lowering credit scores. I say mysterious because my debt utilization rates ha e been declining rapidly to sub 25% down from 35% utilization rate a year and a half earlier with a then credit score of over 740. I have seen mine drop to as low as 685 depending on the reporting agency at whichever banking site. FICO is not consistent from bank to bank. If it’s not universal why Give it the same acronym, right?

Normally I wouldn’t allow a degree of uncertainty to stop me from pushing forward with a planned project. But I think pandemic levels of uncertainty change those calculations, and call for a shift in tactics.  I do love to wax financial, but I’ll spare the non-economics fanboys who’d rather watch paint dry. Boring I get it, I can’t blame you for feeling that way. So bottom line, I’m paying debt and stocking cash for market volatility purchases or loan opportunities later. Ok,now I’m really done with that.

because I’m not busy with any major renovation right now, I’m left with loads of time to design and draw. I will be adding more pictures to the gallery soon, I hope you will like them.