Alot has happened over the last week. Once I decided to put my house on the market, things have really snowballed! I asked my parents if they would be willing to co-sign on a house with me if I wasn't able to qualify for anything. I am miseerable where I am at and it is probably a great factor of my depression. My mom called me and told me that they would like to buy the house I am looking at for me!!! They will make the payments until my house sells. I am going to try to rent my house out until it sells. I am still in shock! THings are moving right along. THey talked to the mortgage broker yesterday and we will have the prequal letter tomorrow so we can make an offer. It is a foreclosure that is half the price it is appraised for. HOpefully everything will just go right through. I am excited but the task of packing up the house is overwhelming me. Just have to get busy and do it!
Archive for January, 2010
I received my $100 rebate yesterday. Thank goodness...I can deposit that into my account now and make it until next Friday. I have been a ble to leave the $39 that is in savings in savings...plus the $70 that is in the kids savings has stayed in their savings.
Figured my taxes. Unfortunately, due to the amount of OT I worked, I don't qualify for very much of the EIC. That's okay, I spent the money when I needed it. I just always liked getting that big check at the end of the year. Maybe next year. My refund is going to my son this year. Long Story...he purchased a truck; couldn't get truck started on a regular basis due to old fashioned choke; soon to be ex "bought" truck from him but has made only one payment. THis was handled poorly so I am paying off the truck. Doubt I will ever see any of the money from soon to be ex dh. But hopefully DS will find something that he wants to drive for $1200. And this time we will do it right...
I paid an extra $75 on one of my credit cards today. If all goes as planned, it will be paid off by end of March. I have $240 budgeted for it in February. But will just have to wait and see if I am actually able to do that.
I have a lot to do before I can put the house on the market, so I will be busy for a while...once the boxes arrive. Plan to list some stuff on craigs list to get rid of it. Going to pack up other stuff to go to goodwill. Plan to get rid of alot of stuff.
Excited about the budget for the end of this month and next month. If all goes well, I should be in a pretty good position.
I have decided to put the house on the market. I was really sure and confident yesterday. Today I am scared. What if I sell the house and can't get financed for another one? What if I sell the house and can't find a place to live where our four-legged family members are welcome? What if I sell and I end up paying more to live somewhere else? All these what ifs creeped into my head last night. There are a bunch of credits that I can use toward another house, and my credit score has come up almost 50 points since June. I am almost out of the "poor" category and into the "fair" category.
But I am so unhappy where I am at. I don't like living so far out of town. I don't need all the land. It just collects junk...which my soon to be ex left for me to deal with!
I have alot of work ahead of me. Have to get the house cleaned up and the yard. The yard is going to be the hardest. I have wanted to move for a long time. Just wish it wasn't such a scary thing for me to do.
I went in to make my mortgage payment today for December's payment. I was going to make two payments this month to catch it up. But when I went in, I only have one payment due, the January payment. I had the loan officer look at it and double check. There was no Decedmber payment made, but he is not showing that it is due either. So I only have to make one payment this month, which I made during the grace period. So the mortgage is on time again. HUH!!!
The other thing is that the bank wanted to do an appraisal for an updated figure. It came in at 95K. That is awesome considering I only owe $72k. Of course if/when I get the yard cleaned up, it will probably appraise for more. I am on cloud nine today!
My oven isn't working. It doesn't want to come on. The repair man is coming tomorrow.
I just realized that when I ordered propane yesterday, it had only been 2 weeks since I last had a delivery. I wonder if the stove might have anything to do with it. We have been having some really cold weather, but that is ridiculous.
Budget still on track. Can see light at the end of the tunnel. Capital One will be paid off at the end of this month. Mortgage will be caught up again. Utilities will all be paid. The next couple of months will be the roughest. But I am definately in an up mood lately.
I am still here. Just haven't posted anything in a while. My finances are looking really good, with the help of my parents. Right now, I am in the positive until the middle of February. Then I will have to do some juggling. Once I get through these next couple of months, it should be smooth sailing.
My capital one card will be paid off at the end of this month. I am so excited! Then I plan to snowball the rest of the accounts and in no time at all, they should be paid off. I can't wait! That is over $300 a month that I pay to credit cards!!!
Had to order propane again...just got it about a month ago. But we needed it and once again my parents paid for it. I would be in serious danger if it weren't for them. It makes me feel pretty worthless though.
Had a full workup done on my blood and it came back that I have high cholesterol. Not a big shocker since my eating habits SUCK! She gave me a prescription and I am working on changing my diet. I weigh more know than I have ever weighed in my life. My mom offered to pay the monthly fee to Curves if I give up carbonated beverages. So I am trying. I am down to one a day, and since it had really gotten out of control, one a day is awesome! I am drinking more water. I have made dinner almost every night...but at least we haven't eaten out. I am getting some good use out of my crockpot, especially since the oven is broken...sometimes it comes on...sometimes it doesn't. I can't depend on it so I am working around it!
I still have my addiction to shopping. I guess it is because for so long I couldn't buy any groceries that I feel the need to overstock now. We NEED nothing but yet I keep buying the sale items. Of course I am saving money, but right now I need to not spend it at all!
I filed for divorce a couple of weeks ago. My court date is Feb 4. Still picking up messes that he has left me. The water froze this morning because of the insulation he had removed from under the fake rock, where the well pump is. UGGHHH!!!
Well...that is a not-so-quick update on me. I am alive and well and hanging out.