Disappointments Happen…

Life is unpredictable. However, you can be certain that it will have its highs & it will have some pretty crappy lows. Many of those lows will be associated with disappointment in yourself, various circumstances & people. Knowing this, disappointment in people has been one of the hardest things for me to accept as part of life.

I tend to take those forms of disappointment personally. But what I have learned to tell myself is this- carrying the weight of disappointment & wondering why it had to happen to me is too much of a burden to carry. Instead, how someone treats me (especially when I don’t deserve it) has more to do with them then it does with me.

Therefore, I share the same perpsective with you. We do not need to know why. All we need to know is that it happenened & we feel a certain way about it. How the person feels about their behavior & how they feel about treating us a particular way is not our problem. Our responsibility is solely in ensuring that we bounce back from this, take the lesson & strive forward. This method ensures the best result for us. Because that is what matters, how we rise out of this.

Disappointment is inevitable. But so is the bounce back.

Relishing in Singleness

Here’s a fun fact about me. I have spent more time single than in a relationship. Not because no one wants me but because it was & still is my choice. With the few who slipped through the cracks, I have always ensured that I was selective about who I allowed in my circle; regardless of the type of relationship I chose to maintain with them. However, I always relished in the fact that being single has always looked good on me.

Let me preface this by saying– I am not discrediting anyone for their realtionship choices & their desires or actions in settling down early. I am a firm believer, what is for you, is for you & thus far singleness has been for me & settling down has been written for others. But aside from that, I am simply offering a positive perspective to what society refuses to accept as something positive; singleness. In my singleness, I have been able to pour into myself in a way that only I could have– educationally, spiritually, recreationally & professionally. In being able to focus on me & solely myself; I have been able to manifest everything I ever wanted without having to consider anyone else. My time single has been a blessing that has allowed me to learn so much more about myself & what my expectations are when I finally do settle down.

Do not be confused. More than anything, I want to be a good wife to a good husband & have a good family. But, at the right time with the right person. This does not mean I have not kissed a few toads along the way because I most certainly have. I dated multiple people, sat in the midst of some toxic relationships & ran at the first sign of discomfort. However, what I learned along the way is that; any relationship, of any sort, with anyone, are learning opportunities that require a moment to recover after separation.

Relationships are work. They take a lot of compromising, adjustments & create new standards of living. In ending romantic &/or intimate relationships, we need to learn to be single again. But what is the point of being single if you cannot relish & enjoy it. Nickkie&CO was founded after a rocky bout of too much fun with horrible people. I made a conscious decision to take time off from pouring into dead end relationships & into myself, God & other women who needed it.

& here we are.

Years later & it has been the best decision I have ever made.

If you are single & disappointed, I urge you to consider a new perspective. Sit back & evaluate all the opportunities that are available to you. Are there business endeavors you always wanted to consider? Did your last relationship provide gems that can be beneficial to someone else? Are you able to see where there are areas you need to grow for the next one? If so, this is the time. This is the time that matters & makes it worth it. Singleness can be so fruitful to your life if you let it. An active choice to be single does not mean you are alone. They are not one in the same & the moment you recognize this; relishing in singleness will be your new relationship status.

I Bought A Home!

Hey loves, happy Sunday!!! It has been almost a month since I have made one of the biggest commitments of my life; I became a home owner. However so, I am still adjusting to the changes & getting acclimated with what new bills look like since this is an endeavor I decided to take on my own. While in the process, I am amazed how much I did not know & how much other people want to know. So I decided to, of course, share what I learned & show my realtor (Hey Aspen!) some love. Her contact information will be included at the bottom of this memoir. Thank me later because she’s ahhh-mayyy-ziiiinnnnggg!

  1. It is never too soon or too late to see where you stand financially. Many times, what we think we know about our finances varies in the mortgage process. If homeownership is a goal of yours, it does not hurt to speak to someone (loan officer) to determine if homeownership is a goal you can accomplish now or later. If now is not the time, don’t feel bad. I inquired last year about my status; last year was not the time for me. However, I knew exactly what I needed to work on so I could be prepared now.
  2. Good credit isn’t enough. Your debt-to-income ratio can be a pain in the butt when trying to get approved for your loan. Your loan officer not only ensures that your credit is sufficient; they also ensure that you can own your home. They don’t like risks.
  3. Savings are important but there are grants out there that can help minimize the upfront cost on your end. You will never know until you ask! For instance, after speaking with my loan officer, it was determined that FHA wasn’t the best option for me in the long run. So she found some Conventional Loan options that suited me best.
  4. Once you get approved for a loan, the home searching process begins. Understand, you can be approved for a loan that is higher than what you want to spend on a home. That’s ok. Don’t spend what you do not feel comfortable spending.
  5. Ask all the questions you need to ask. This is a huge commitment. I drove my realtor & loan officer crazy because I apologized so often for asking questions. They like questions. That want to be sure you are sure about what you are committing to. So, the more questions you have, the more likely you are to vocalize concerns.
  6. When actually looking for a home, the best thing I did in this process was write a list of my non-negotiables (must have or must not have) & my flexible desires. This allowed me not to get distracted when looking at various homes. If you share your list with your realtor, she/he will keep you focused.
  7. Once you find your home & the offer has been accepted it moves quickly. Most realtors attempt to close within a month or sooner after the offer has been accepted. I closed in 3 weeks.
  8. Upon offer acceptance, there are other expenses that you pay to protect yourself such as: a Good Faith Deposit ($1000-1500 deposit to the seller, committing to purchasing the home; no worries you get it back at closing), Lawyer for contract review, Termite inspection, home inspection & home appraisal. All these things ensure that you get the best deal when purchasing your home. In fact, these can give you some negotiation power.
  9. You sign a lot of documents throughout this process but if you are efficient, it makes it easier for all the parties involved trying to see this deal to the table.
  10. Getting to the table is the easiest part. Because it’s done. If you do what I did, you sign all e-documents before you get there & you sit at the table all of 10 minutes then you take cute selfies. lol

Being scared is normal. I am almost a month in & I am still scared. Just enjoy the ride. This is a big accomplishment. With the right people, you will not be stirred in the wrong direction. God will not give you anything you can’t handle recognize the blessing & continue on.