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Well, this sucks
Over the weekend we found the perfect house on short sale. However, we are about 1 year of being done with this mortgage (paid half of the cost of the house and then payed a huge monthly payment). So doing 2 mortgages even for 1 or 2 months while we find renters isn't feasible. We reaqlly need the space, but we have to wait a little while longer to get it.
So now we are getting rid of our cleaning lady (MIL, and she is duper duper over payed), stop the crazy spending (which means no more random MTG card cases, gameboys, computers, ect), and put it all into savings for a year. I start school in September on top of it all. Then we will look into buying a new house come next winter. Which makes sense financially.
I just can't help but be sad about the house. I fell in love with it already. The only thing that I can hope for is that the market can suck for the next year, it gets completely foreclosed on (if that can happen), and it will still be there in a year. That can totally happen right?? One can hope.
Plus now that we are getting rid of our cleaning lady I really need to reorganize the house and get on a cleaning schedule. That way once school starts I won't go belly up with the house work.
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Re: Well, this sucks
She isn't terrible, a little crazy though. I have no real choice in the matter. DH kind of hired her to help me with the cleaning (and paying her far too much) without asking me about it first. She doesn't really clean anyways. She comes over, sprays this homemade all natural crap all over our stuff, does our dishes, and picks up after my kid.
I hope so, but I don't know of any other 3600 sq ft homes in the trendy neighborhood for 340K. Ugh... lets keep hoping. Plus there is talk of me getting a job now. This way we can save more. Which is fine, more spending money for me.
It's a lot of house, but we need it. Also, that is ridic cheap for our market.
I feel ya. We currently live in a house about 1000 sq ft smaller and only 4 bedroom and we don't know where Cade will go once he needs his own room.
It may still be around. hang in there. You'll find the perfect house when the time is right.
edit: Well this post escalated. I admit I only skimmed. I don't think anyone truly wishes foreclosure on anyone. I think it was just an emotional rant. And I don't know what to say about the roommate thing. How did I miss that part? Anyways, I still hope you find your dream house when the time comes.
Ugh.
Yeah.
Sorry unicorn poop didn't land on your dinner plate tonight. It's a hard knock life.
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No, I don't wish that for the current owners. I'm not mean. I've just never done this stuff before. It feels weird to be growing up.
On the upside, if you buy less crap, maybe you don't need 3600 square feet?
Sorry, just feeling a little bitter about FWPs today.
Nana, I like you, so keep that in mind with this side eye.
You basically said that because you cant really pay for two places at the same time for a couple of months, you would rather the housing market be like *** for the next year or so just to be sure that house doesn't sell. ** everyone else who lives in that area who will have trouble selling their home because of the one house sitting there for a year.
Also, no offense, but if you didn't buy random electronics so often, do you think you might be more comfortable in the home you are in or with a smaller one? Just a thought.
In the meantime, I hope you are able to find another house you love as much.
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This was my first thought also.
Only 4 bedrooms? Is your wallet too small for your fifties and your diamond shoes too small for your feet too? You poor thing! LOL, but seriously, that sucks that it looks like your dream house it out of reach for now, I would be bummed too.
This sounds so selfish. You do have a choice, clean it yourself. Man I'd be so damn grateful if anyone cleaned up after my kid and did dishes. Get a grip girl.
Dammit! I shouldn't have sat there pondering whether or not to hit the "post" button for as long as I did LOL.
Yeah this had me totally side-eyeing because my SIL lost her house last year.
I'm sorry, but in no world do four people NEED 3600 square feet.
I get what your saying. I guess what I should of said is that it is still on the market in a year. I was a little bit sad and let down we I made this post. I am also not the person buying useless electronics all the time. That would be DH, who controls our finances. Also, no amount of not buying stuff will make our current house pop out another bedroom. Which is why we are looking at bigger ones. Our odd little family is outgrowing it's current environment.
We are a family of 6. 4 adults, 2 kids, and 2 cats. The other 2 are DH's friends that are now like family. They are weird and will never live apart.
WTF? Your DH has a wife and 2 children but will never live without his friends?
Nope, and they work together. I told we are odd people. I've come to terms with it and actually do not mind. One is a very codependent gay man and the other is well just a friend. I grew up with my adult uncle living with us. How is that any different?
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Yeah that seems like an odd living choice to be basing a long-term financial decision around.
ETA: Sorry, grr. ...around which to be basing a long-term financial decision.
Yeah, this.
Exactly. I've already admitted to the fact that the forecloser statements were of bad taste. I have never purchased a house before. So all of this is new and exciting. Also, the house may be under DH's name, but all 3 of the guys put money in to buy it. Hence why they fast tracked the mortgage. They wanted to eventually get a nicer house and rent this one out as an investment.
Things may change in a few years, but for now we are a family of 6. It's just how we live. They aren't just friends, they are family. It's like having uncles around. It's what Rosie calls them.
A lot of people choose this living situation at 22. They usually don't have kids and are about to drop $340k on it.
Sorry nana. I don't mean to sound like a b*tch, I like you. But this is a big choice to make around a situation that, despite how you feel now, might feel like a mistake in a couple of years, if not sooner.
What reason do I have to go on living?
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Yup.
Or when nana decides she no longer wants roommates after the guys put a bunch of money into a house they have no rights to.
I can't believe someone beat ME to it!
He can pay the mortgage on his own. He wouldn't be that silly. We just want to save for the next year to finish the repairs on this house and to make a decent down payment for the next house. Maybe even fast track that one as well. We aren't suffering for cash in this. We just gotta stop spending money frivolously. Which what MIL does is frivolous. She doesn't actually clean anything. DH was being nice since she needed extra income.
ETA the point really was that I was sad we can't look at any houses until this one is paid off and we save a good sized down payment. DH doesn't want 2 mortgages.
Yeah, if this is going to happen, I'd say that a lawyer should be involved. But that could also bite them in the arse later if they separate and they have to sell the house as part of the deal.
And I side eye them for sinking money into someone else's mortgage that they will have no rights to.
I love being reminded that I live in one of the most expensive parts of the country. I won't give it up, but a lot of you would probably cringe if you saw the shacks $340K buys out here. Unless you're literally willing to live an hour from the city in the desert.
On the plus side, from this thread I think I have my poop-stirring UO for the week, assuming I can remember it...
Oh come on, you know you won't. Spill it.