I have been gone a while. I slipped into a deep depression and am just now digging myself out.
My dad died two weeks ago. It was expected and probably a little of a relief. he had been sick for a long time.
Financially I am just keeping my head above water. The renters haven't paid rent in a while and I have made the first steps to evict them. He keeps saying that they are going to move out but I feel that I am going to have to legally evict them. I hope to get some decent renters in so that I have a steady income from them.
I made a stupid decision a few months ago to take out a 2000 loan. At the time I was desperate but now I have one more monthly payment that I am struggling to meet. I still owe my employer 900 toward a loan last November. I am hoping that things improve shortly. My mom paid off my car note with my dad's insurance money so that should allow me to start making payments on my student loans. They are close to being in default and having my tax returns held. Lose one payment...replace it with another.
I found out in January that I no longer qualified for the state run insurance for my dd. I found an insurance policy for her that is $467 a month and has a 3500 deductible. My mom is helping me with the monthly premium. But since then we have hit the deductible because she was having issues with what we thought was her gallbladder. 3500 later and we still don't know what is causing her pain. Have another test scheduled. When I got the insurance I had to put my ds on the policy as they wouldn't insure just a minor. The good part of this is that the hospital has programs for low income families and since he is the insured they will likely look at his income and we won't have to pay very much of the cost. Keeping my fingers crossed.
I joined weight watchers and was doing good up until the last two weeks. I have been struggling with finding good things to eat.
That is about all going on. I have missed you all and have thought of you often.
Update on Life
July 18th, 2012 at 05:02 pm
July 18th, 2012 at 05:21 pm 1342632106
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July 18th, 2012 at 05:42 pm 1342633358
Depression is rough. Depression is so damn debilitating. Is anyone helping you to get medical help for it?
July 18th, 2012 at 05:46 pm 1342633619
July 18th, 2012 at 06:12 pm 1342635138
I'm so sorry for the loss of your Dad. I know how difficult it can be. Please know that you are in my thoughts and prayers.
July 18th, 2012 at 06:23 pm 1342635822
Is there any way you can give up the renting business and sell one of the two houses? Even if it's a short sale, at least it would be two less things on your plate (keeping paying renters and making a second mortgage payment every month). It hasn't worked out so far, and it sounds like you've already got far too much to worry about.
Fingers crossed that things get better!
July 18th, 2012 at 07:24 pm 1342639497
Thanks for the update - we had been worried about you. Hang in there!
July 18th, 2012 at 08:22 pm 1342642972
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July 20th, 2012 at 12:31 pm 1342787494
I hope you can get those non-paying tenants to leave as soon as possible, so you can get some income coming in again from that.