Wanna buy a house?

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I’m still here!
Can you say E-X-H-A-U-S-T-E-D?
I swear I don’t remember being this tired for this long the first two times I was preggers. It seems like the fatigue left for a while and didn’t come back until quite a bit later.
So…the big news, I guess, is we are selling our house. I could go one of two ways, here. I could give the sanitized, socially acceptable vague and evasive reason or I could just flat-out tell the truth. And since this is my blog, and I have never been accused of being socially acceptable, here’s the truth: we can’t afford to live here any more. Hell, we couldn’t afford to live here when we moved in. We got a bad deal on our mortgage. Bad bad bad bad bad. Did I mention it was bad? Cop this: the night before closing the $*%&# woman from the bank calls us and says, “Oh, by the way, you have to have mortgage insurance and it’s $550 a month.” This is after we’d moved in. And unpacked partially. And the previous owners were moved into their new house upon which they were making payments. Oh yes, and I was about 8 months pregnant at the time. We kind of felt like we had to just go forward with the deal — and we’ve been in trouble ever since. The fact that I haven’t had a car since we sold my 4Runner in June? That’s not because we are frugal or because I like not being able to set foot out of my house for days on end. That’s because we can’t afford another car, y’all. Not even a $500 junker. Nearly all of our income is getting sucked up by this house payment, which, by the way, went up about another $150 a couple months ago. So that’s it. Finis. We are out of here.
It’s a little hard letting go but not nearly as bad as I thought it might be. I had recently come to the realization that I, in the back of my mind, was not imagining us staying here forever, as I first had when we bought the place. I had/have hopes of buying a bigger place once things improve for us. I had just intended to stay here until we could do that. Instead we will have an interim house; a rental. We will stay there for a year or two while we rebuild our credit, get a steady income going and get back on our feet. We should be able to rent a decent-sized house and have our rent payment be about half what we are paying on our mortgage now. This will allow for things like a car for me, getting our cell phones turned back on (done), Christmas done with no problems, and then the really luxurious stuff like being able to go to the store and buy groceries when we run out instead of having to wait days until we can find some cash.
So better days are ahead, my friends. Our income looks to be due to increase while our expenses decrease, which is always a good situation. Once we get a few things sorted out and get the house sold we should be able to secure a vehicle for me, and not just an “it’ll do” car; something I really want.
We have looked at a possible rental already and are interested in it but have not made any committments. It is actually larger than our current house. It has kind of an odd layout because it’s an older house (though the inside was entirely redone this year so it’s in good condition). I think it would be unbelievable good fortune if we were able to actually move UP in size going from owning to renting. However, we don’t want to rush into anything, and, while I can see us making do there quite nicely for the next year or so, we are not head-over-heels in love with the place. So we are giving it till the end of the month and if it’s still available we will likely take it and get out of here so the realtor can show a nice, empty house.
All in all, this is going to end up being a good thing. Robert and I are both already less stressed than we have been in a long time. Although the thought of having to pack up everything we own and move it….again….makes me want to vomit. But, hey, what doesn’t these days?

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About msmaryb

I'm a native Californian who lives in Oklahoma. I'm a full-time student, pursuing a Bachelors in Anthropology, following which I hope to attain a Masters in Archaeology. I have three kids, one husband, no pets, and a lot of friends - most of whom live inside my computer. I love to read, write, watch tv (shut up, we can't all be brain surgeons), shop, and travel. I'm trying to set foot in all 50 states before I die. I have 38, so far. I love the Beatles and Maroon 5, and if you think those two things are incongruous, well, they are. But that's me. When I love something, I love it 100%. I don't do anything halfway. I want to know everything there is to know, so I'm trying to cram as much into my brain as I can in the short amount of time I'm allotted in this dimension.

2 responses

  1. Oh, I’m so sorry things didn’t work out like you hoped with the house! And I know the hell that is moving all too well. Perhaps you can free up a little cash to hire a poor&starving college student to help with that? (moving is a great time to throw a garage sale!!!) Anyway, do what ya gotta do, & just trust that if you throw enough good karma out into the world it will come back to you in the form of a house you love during a low-interest-rate time period, about 1-2 years down the road. Take care of yourself and the peanut, and keep up the good work keeping your chin up!

  2. Oh, Mary, I’m so sorry it didn’t work out for you in your home. What little wisdom I can offer from my advanced age, :-), is that it’s all mostly a funny story eventually . Things that have happened in my life that I thought were about the worst possible events often opened up huge new vistas before me. It sounds like you’ve got a great attitude. Life will match your expectations – and then some!
    Been very much where you are now with our first house. You are making the wiser decision to scale back your bills and stay centered on your family. Let everything rise or fall to its natural level of priority.
    Blessed be,
    Rosemary