A little over a year has gone by since we finished The Cottage (That's what we are calling the little house now).  So much has changed.  We always knew we wanted to live at the farm, but never really knew when that would happen.  I'm a big believer of "everything happens for a reason".  I'm also a big believer in working toward a goal; when I put my mind to something, it gets done.  I got myself through six months of Police Academy that way; but that's a whole other story!  So, in working, little by little, on the goal of getting to the farm, I was busy getting turned down for construction loans.  Even Farm Credit!  The big banks…