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Semi-venting, Long, and in need of advice...Wwyd kinda thing  

post #1 of 17
Thread Starter 
The Vent:

After recieving form letter #3 denying employment to DH, and watching tears come to his eyes while watching our daughter play; I went to the Welfare office and applied for welfare. They may be able to give us $503 a month 45 days from now. We will have absolutely $0 income as on June 7th when DH graduates from school and loses his trade act / unemployment benefits.
My Jonesy-ish bro who is pulling in about $3k a month, thanks in part to a wife who has no problem screwing the system or people told me I should go get a job at Wal-mart this next week. I told him walking down the street sets me off in hardcore B/H contrax right now 8 weeks before our due date, I don't think working graveyard with a 9 month old baby and with these kind of contrax is a paticularily wise thing to do. When Dwayne heard about this he totally went off, and was irritated all night at the thought someone would think I would need to get a job when it was 'his responsibility' etc. I really shouldn't have repeated what bro said b/c Dwayne is a very proud kind of guy.

So, tonight after Dar and Dwayne went to sleep I started thinking of alternative options. Our house payment (mortgage) is $700 a month and we are one month behind. Electricity (even with watching it!) never goes under $150 a month (and we are $500 in arrears), sewer and water are around $50 a month, phones are around $60 a month (we do have a cell phone), Insurance is $80 a month, and garbage is $50 a month, internet is $22 month.
There is no way that welfare could make our mortgage alone even for one month, basically - Unless a miracle happens, we could be foreclosed on by the end of the summer..

I thought of my dad.
He owns a 3 bedroom, 1 bath home in an itty bitty coastal town of 100 (Nehalem Oregon, beautiful town) and pays approx. $500 a month total to upkeep it. He lives on SS, and is not home all the time. I know he's lonely and he has offered his home for us many times if times got hard.
I've never been really close to my dad, mainly b/c I was brainwashed that he molested me as a kid (thanks mom, I hope those child support payments were worth it), and its only been the last couple years we have started to develop a relationship. He treats Dar WONDERFULLY, and thinks Dwayne's great too. I know we could move in with him, Dwayne could get ANY job and we could pay the bills at the house..Not to sound morbid or anything, but he has already made it clear that when he passes on, it will be willed to me and my two brothers, so his bad health dosen't scare me away from thinking of moving in.
There is a huge place to garden, and its a quiet, nice community that would be perfect to raise a family in...

I guess, its kind of obvious that maybe Dwayne and I should just let go of our home and maybe move in with my dad. It just feels like it would have been a waste of time being here in our home. Both of our babies will have been born here and this is the house that really made us a family...


What would you do in this situation? Is there any way to keep our home that you can see, or should we just pack up and accept the inevitable?


Thanks for letting me vent. Journaling just wasn't helping tonight.

Katie
post #2 of 17
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post #3 of 17
Dd's draggin me out the door, but I just wanted to give you . Hmmm I know around here there are organizations that will help with electric bills, etc. Don't know about a mortgage though. Reply more later...gg before she bounces me out of the chair.
post #4 of 17


Maybe move in with your dad, but rent out your home? Depending on the situation, you might even make money that way. You would have to check in to laws and such. Dh's family rented out their home while FIL worked overseas for 8 years.
post #5 of 17



Wanted to give you hugs. Could you do what Brisen said? Rent out your house? At least that way, you would not have to worry about foreclosing and then if you decided to sell it, you would be letting go of your special house on your own terms.

Having lived through a great many changes in our lives over the years, one thing I know in my heart is this: It doesn't matter where we travel or move to, as long as we are together, we are HOME.

Houses are wonderful, but it is the people inside of them that make it a home.

Hang in there, sweetie...
post #6 of 17
Thread Starter 
Thank you all for the listening ear....
I didn't think of renting out our home, & that is an excellent idea! I think I will go research if you can rent out homes that are on VA loans..Thank you for the ear. I felt a lot better just being 'heard'...Silly, I know


Katie
post #7 of 17
i don't have many thoughts, but the one thing that did come to mind was you should call the lender on your home and make arrangements to at least make partial payments.
post #8 of 17
I agree, number 1 see if you can rent it out then move back in when things are looking up.

2 check about partial payments, some money is better than none to a lender.
post #9 of 17
You're getting good ideas- another temporary idea would be to have your HUSBAND take the Wal-Mart job.
post #10 of 17
Thread Starter 
LOL Srain, ofcourse. DH is totally not the kind of guy that would have me working while he did nothing, unless ofcourse I wanted to work and he wanted to SAHP. Thats what pissed him off so bad at my brother.

Well, I've looked into the VA facts and since we have refinanced it looks like we may be able to rent out the home. We could rent the house and pay the mortgage payments which would not be a bad thing. Maybe even set up a rent-to-own thing here. Who knows. I know NOTHING about real estate. Does anyone here know where I could get this info?

I've talked to my dad and he was so for the idea, and encouraged us to really, really think about it. He said we could have the whole upstairs and we are welcome to the rest of the house, he would even put his furniture in the basement so it would be more homey for us...He is planning on getting married here in the next couple years anyways, and would be moving here to Salem (where I live currently) most the time anyways.
As for in case of his demise (No, I did not bring it up. Dad has CHF and brings it up ALOT so we know where things are with him financially etc), he actually started by saying about how my brother has been saying some really hurtful things about moving our mother into his house when he dies (Ummm...Okaaay) and Dad said that if we moved up there he would just leave the house to Dwayne and I...He knows that my bro/SIL would probably try and force us out for the $$$ so Dad upfront said that.

Okay, so deep breath. This all sounds good...

I'm making dinner and have fresh coffee on and I think after Dwayne gets home from school, I will see if he is in the mood to talk about this.

Thank you all so much for the listening ear and the help! I would never have thought of the renting thing or anything...

Thank you and 's

(I'll update if anyone is curious!)

Katie
post #11 of 17
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post #12 of 17
Quote:
Originally Posted by darsmama
LOL Srain, ofcourse. DH is totally not the kind of guy that would have me working while he did nothing, unless ofcourse I wanted to work and he wanted to SAHP. Thats what pissed him off so bad at my brother.
Actually, you'd be amazed at how many women would bust their butts taking hideous jobs to feed their families, while their husbands waited around to get a job that was worthy of them. Glad that's not the boat you're in! Good luck.
post #13 of 17
I also think you are getting very good advice, It looks like things are starting to at least pull together a little bit for you.

It sounds like renting out your house and moving in with your dad is a very good idea.

Keep us updated.
post #14 of 17
s Katie! I am sorry that you are under so much stress. Call the utilites and work something out. If you don't want to rent out your house (or can't on short enough notice) call the lender sometimes they will give you 3 months and tack it to the end of the loan.

PM me if you need to talk - I still want to help you bf that baby!

V.
post #15 of 17
Sounds like you've got a pretty good plan in the works.

I'd also suggest contacting your local charities such as local churches, the salvation army, etc. I know that some of those can help with food, utilities and even mortgage payments. It's not a long term solution but it can get you from this month to the next.

Hugs to you. Please keep us posted on your progress.
post #16 of 17
Wanted to throw in what a great thing renting out a house is. Tax-wise it's better than owning. Everything is tax deductible when you rent out the house (as opposed to just the mortgage interest.) Home repairs, utilities, I suppose not taxes- but everything else, is tax deductible. This is not true when you live in the house you own.

We rent the house we own and live in a rental- because we need more space and can't afford to buy bigger. I'm not sure if I'd actually bother to buy even if we had the cash, though. Owning property and renting it out is such a good deal.

Even if you find you loose a hundred bucks or more a month on the rental- you are still making money on it.

Anyway- I know this is a bit of a long view given your current crisis- but I thought it might help to phrase this move to yourselves as a smart financial move. Moving in with your dad would allow you to get on your feet right now, and renting your house may not be such a bad strategy in the greater scheme.

Good luck!
post #17 of 17
Thinking of you. Hope all is well!
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Mothering › Forums › Natural Family Living › The Mindful Home › Frugality & Finances › Semi-venting, Long, and in need of advice...Wwyd kinda thing