My wife and I are looking to buy a home for the first time, and we are totally alien to this whole process. How does one go about this? Do you get approved for a loan first or do you have to decide on the property first (we are looking at three different properties)? Related: Have any of you ever applied for / gotten a USDA Rural Development loan? We're looking to get one of these.
I got a haircut from my hair dresser two months ago and just realized today that I might have forgotten to tip her. At her salon, they won't allow you to add the tip to your credit card, you have to put it in an envelope with her name on it.
I've been going to her for almost 8 years and we're friendly enough that we've gone out for drinks/dinner if I happened to be the last appointment of the day. However, we're not friendly enough that we would be calling/texting each other.
So, what's the best way to approach this. I may be seeing her in the next few weeks for a bang trim ( all depends on if I get called in for a job interview.) but I'm literally looking through old purses and couch cushions for money to do laundry.
If I bring it up and she says No, it's going to be hard to come up with the money. Is she going to think I"m an idiot cause I can't remember? Am I making this more difficult than it needs to be?