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Hi Everyone!

July 15th, 2017 at 12:27 pm

Hi All! I just wanted to drop in and give you an update. I have been making some serious financial decisions lately. I have decided to refinance my house and roll all of my other debt(except for student loans) into it. I have consulted a financial advisor as well as a banker to make sure this made sense for my short term goals. By the end of the year, I hope to put my house on the market and move closer to my kids. I have been looking at condos in the area and can afford a really nice one. I could shoot myself for charging up my credit cards because I could have really gotten a nice house if I hadn't done that and still had all the equity in my house. As it is. I will have about $40k in equity in my house when I get ready to sell. The bank did an appraisal and it came back 16k more than we had hoped for. So that was excellent news. I figured my net worth and it wasn't as bad as I thought it would be. It is a negative number, but not one I can't climb out of, less that 18k.

I am almost at that point of not being able to make my payments each month...again. I am working with my therapist to try to figure out my shopping addiction. I just lack that self discipline to say no. I think this time I am ready to do that. I am thinking about closing my credit cards, all except the one with the largest credit limit. That way I remove the temptation. It might affect my credit score, but I think it is worth it to remove the temptation.

My mom isn't doing so well. She is showing signs of dementia and confusion. I am not going to like watching her go through what my dad did. It was horrible.

Anyway, that is an update on me. I am sorry I am not around more often. I am taking college classes plus I am the main caretaker for my mom and sister, doing all of their grocery shopping and other tasks. It just seems there is never enough time for anything. I hope you are all doing well.

2 Responses to “Hi Everyone!”

  1. snafu Says:

    Nice to see you back and hope you'll keep us in the loop. Lots of changes, Sorry to learn mom is showing signs of confusion. What classes are you taking? Will you continue in the fall?

  2. rob62521 Says:

    Glad for the update. Sorry about your mom. You are a good person for being her caretaker and for your sister.

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