It's All Going To Hell In A Handbasket

The foreclosure date has been postponed from 30 to 60 days. Yes, a little more breathing room.

We'll continue with the loan modification possibility and we're putting the house on the market. Have 6 agents we're interested in. Telling them to bring us a contract in 30 days, close under 60.

Ambitious, but can be done, we're in a desirable location.

I feel myself starting to emotionally distance myself from my house.

My family is struggling with financial hardships right now as well. We lost our house in 2008 and we can no longer make payemnts on my van so that will be getting repoed soon. I just try to take it day by day, sometimes it is very overwhelming. I used to work as a Financial Analyst, but things became so bad when I couldnt find work I actually had to work at Abry's. It was horrible!! I just work as hard as I can at whatever I am doing, if you are honestly doing to best you can with what you are given at some point it will work out. I try to stay busy, cleaning the house, walking..whatever. Sometimes it is nice to get lost in a book, especially if it is a story about someone persivering through hard times. Makes me not feel so alone, and sometimes aware of how I may not have it quite as bad as I thought. Hang in there!!

Meeting with real estate agents today and tomorrow to put the house on the market. Looking at everything that needs to happen to move... Much work for these tired hands.

(((notz)))

thinking of you and hoping it all works out. Yes moving is stressful, but you'll get through it. I really hope that you find a buyer fast.

My sisters have been here the last 4 days. There are not enough words to say how grateful I am for their love. They were doing yard work and general spiffing up around the house. We have a large lot for in-town and it's really gotten away from me the last 2 years. The front looks good, nice shrubbery, neat and edged. The back is another story! My nephew and his son will come and help more in a couple of weeks.

We decided to borrow money from my sisters and spouse's parents to catch us back up on house payments. This will take a lot of the pressure off and we can continue to complete the application items on the home modification loan. If the home-mod loan were to work out, that would put us in a position so we could keep this (location, location, location) house.

Regardless, we're putting the house on the market for almost top dollar...we can always reduce the price more if we have to. If the right price is offered then we pay off all debt and get a 'less' house for cash. We couldn't qualify for a loan right now, so it'll have to be what we can afford.

All the while, we're hanging in there. We've done some of the best and most supportive talking/actions for and with each other than in months and months.

((Notz)) - that's wonderful news about your sister helping and loaning you money - I'm happy you're feeling supported by your family. It's also very kind they're helping you spruce up the exterior - curb appeal is very important.

Eliminate clutter from inside as well, including closets - yes people open the closets lol. Anything that doesn't serve a decorative purpose- store it away for now. I even heard personal pics should be taken down - this interfere's with people imagining the house is theirs lol.

I'm glad for now, you have some room to breath at least. Best of luck in getting a good price and I'm happy you feel the love from family - what a beautiful life lesson.

I am finding that I am drinking too much also...it seems to be the only time I can get our financial difficulties off my mind. They always say that there is a rise in alcohol use when the economy is bad. I belive them!

It is hard to loose these things you have worked so hard to acquire. But it is not just you, you are not the only person going through this. My family is also. Sounds like you are taking it it one day at a time...you have to. If you look to far in the future it can be overwhelming. I hope it gets better for you. Never thought this country would be in such bad shape, but honestly it is not your fault or my fault. So many are just trying to survive this. Sometimes it helps to know you are not alone.

Yes, it does help to know one is not alone. My sister's have been awesome in this regard. I never knew they were this loving. It didn't seem that way when we were younger!!

Times like this could easily put me back a'drinking. Everything would surely go to hell in a hand basket then. When I was drinking, I almost lost everything, health, wealth, my spouse...everything. This time, it's my wealth but the important things are still with me.

I have some temporary work beginning October 4. It'll last until the first week of November. This will give me the W-2 job I need to get us that much closer to a Home Mod loan.

Truly, this is a 'step by step' process. Better that than 'blow by blow'!

notz......I just came onto this thread. I haven't got anything brilliant to say, but you must know I'm always wishing you the best. Your sisters......your spouse.......they're not the only ones who love you. I do too......we all do! Many hugs......greylove

Notz,

Really glad you landed a job even a temporary one. Keep on taking it a day at a time.

--splitimage

You doing ok notz?

Today has totally sucked.

Can't quit crying...it all seems too, too much. Things have a way of catching up to you, ya know? It's just all weighing me down today. But thanks for asking, I appreciate it.

((((((((((notz))))))))))

(((Notz)))

Thinking about you and hoping things work out. Hang in there.

--splitimage

Okay, an update of sorts.

We're current on our mortgage and even managed to make the Nov. payment.

There's not a lot of money left from the Halloween costume jobs. First things first, roof over our head and health insurance...got to keep those meds going. They make a huge difference for me. Pdoc said she would be very concerned for my well being off my meds, especially with winter coming. Not my best time of year.

I thank all of you who help keep my spirits up! You are the best!!

Notz,

That's good news - I'm happy for you. I keep you in my thoughts that you'll find permanent work soon.

--splitimage

notz.......thank you for the update. I think of you so often and wonder how it's all going. This is really good news........the mortgage payment and all. I'll keep holding you in my thoughts........good luck........grey

notz
I just saw your thread and I'm so sorry. Though we finally own our house outright, we risk losing it if taxes aren't paid. Husband hasn't been able to find work in almost 2 years; I am disabled. The money we did have saved is gone now from paying bills. There is literally nothing left. I have called every assistance program possible and got turned down because we have $800 income from social security and an inherited annuity a month. This is crazy that they expect a couple to live on $800 a month. There goes meds, T, and many other necessities.
I am thinking of you .

Oh wow, keeping a house like the one in magazines is a drag! Let's call it "House For Sale - Clutter Not Included:

Hey there notz........I feel for you. I'd have to start with the magazines cluttering the house........telling me how to unclutter. What's the latest?

All the magazines and newspapers have gone to recycling. The old towels to the veterinarian's office which they are very grateful. Old clothes to the charity bin. Old papers go to recycling too.

Divide and conquer. Neaten piles. Divide and conquer. Neaten piles. Take a nap!

Divide, get on PC, conquer, get on PC, neaten piles, get on PC, take a nap........get on PC!!!!

Oh boy, do I know that feeling. My hub's laid off from work......can't find another job to save his life. He has a private college education and works in the IT field. He feels horrible about it. We don't have health insurance (too expensive) and I have had to use needymeds to get medications for my son, who is also bipolar, because Abilify and Lexapro are so damn expensive.

I never had to ask for help like this before, in my entire life and I am worried all the time about money, money, bills and financial problems, let alone my problems controlling bipolar, the holidays and everything else. It's horrible, horrible, these times.

We have an offer for our house that's fairly decent. We have countered to the half-way point...waiting now.

No jobs and spouse just wears me out with her procrastination. I'm very tired emotionally.