KristineIN
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Posts posted by KristineIN
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What kind of mortgage payment do you have on that small of a mortgage? It can't be that much - is it really worth ruining your credit over?
It's just over $200 a month, but the insurance is $163 for three months, the deal is is that we have to sell it. Right now it's like we are throwing money down the toilet. I'm going to probably call the bank next week and set up a time to talk with them.
Kristine
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He had a cut on his finger that was getting worse and they recommended he leave the game.
Kristine
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The house is currently at $27,000 at this point if we got 20000 we would take it and FIL would help us with the Realtor fees/difference. We had it up at $35,000 that's what the realtor suggested to start with.
Just pray for us that it sells, I'm going to talk to dh and see if we can at least go and talk to the bank and say, this is where we are at, what can we do to get it sold and get out from under it. It won't hurt to ask and at least make them aware of what's going on.
Kristine
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Ok, we'll we ARE GOING TO TRY AND DO EVERYTHING POSSIBLE TO SELL IT! I'm trusting that whatever happens, IT's GODS WILL. Everything that has happened to us the past year would not have happened otherwise. We owe $23,000 the house that we paid $42,000 for. It's not like it's $200,000 we're talking about here. Yes, we owe it, we're going to do our best to get out of it, but geesh, things happen.
Kristine
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Finally something good happened last night, at least I thought so, although I was sad to see James have to leave. This sure has been the season for injuries.
Kristine
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I think there was one this week also. At least I taped something, I haven't watched it yet.
Kristine
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Can someone tell me exactly what a "short sale" is, do they reduce the mortgage amount? If we added up what we bought the house for and what we've paid over the years, it's well over the mortgage, but I know they don't look at it like that.
Thanks,
Kristine
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Well I know we are NOT moving back to our former home. It is under 900 square ft. with 2 bedrooms, we were cramped as can be and is farther out from where we live now, meaning our gas prices would triple. It ain't happening. It was a huge mistake that dh and I made even buying it and FIL has no problems with us giving it back to the bank. It's truly by the Grace of God that we are in the house we are in today. I'm just praying it sells, but am trying to be realistic here about what "could" happen. It is in no shape to rent out, it needs money put into it, which we do not have. Basically dh looks at it like this, "you can't put lipstick on a pig." It has a lot of potential for someone, it's just finding that "someone." We just can't sink any money into it knowing we won't recoup it.
Kristine
Oh & about getting a job & things affecting our credit, dh is self employed and hasn't worked for an employer for 13 years.
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1 of my better finds was a trundle bed for $10.00. (just the trundle part)
I also have a tea table and a small night stand that a neighbor just gave me because they did not sell at a garage sale.
Some non garage sale stuff that we've gotten free (dh is a painter and we help with apartments every year, students leave everything from, canned food, paper products, sleds, money (average about $20, in change every year, but one year We found $45.00 in change.) We've also gotten a Fooseball table, bookshelves, calphalon pot. These were our recent freebies: http://img.photobucket.com/albums/v729/Kristinemomof3/IMG_1355.jpg
http://img.photobucket.com/albums/v729/Kristinemomof3/IMG_1356.jpg New to us computer desk
A friend worked in an office and the office had them start working at home, so she was in charge of getting rid of all of the furniture. Some of it was donated to our church office, some was donated to another church member and some was donated to us.
Recently FIL gave us a chipper shredder that used to belong to SIL when they lived in Indiana, but they moved to Alabama about 8 years ago and gave it to him. He wasn't using it. It works AWESOME!
WE LOVE FREEBIES!!!
Kristine
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I'm expecting next week, ending is 74
Kristine
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Remember also that your insurance premiums will probably go up on autos, current home, etc. b/c they use your blasted credit score to determine that now too.:glare:
HTH!
Actually the insurance premiums on Autos are not based on credit scores, at least that is what my agent told us, only on the home insurance, which FIL carries.
Kristine
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please share. Let's me first say, we were able to get into a bigger home because FIL bought it. We are making payments to him and some day, we will inherit it. We are still trying to sell our former house, but it's a fixer upper, needs lots of work and no one really wants it. We just made an insurance payment on it, but come July, I'm not sure if we'll keep paying on it. I'm really praying it sells by then, even if we have to take a loss at this point, FIL said he would help cover the difference (with in a few 1,000) we can't just "give" it away.
So anyway, if a foreclosure does happen, as far as our credit, I'm not really worried, we won't have to worry about a loan or vehicle loans. One thing that I will probably have to do is switch banks. Our current checking is with the same bank that holds our mortgage and I don't want them freezing our accounts.
Anyway, anyone BTDT, is it as bad as I've read?
Thanks,
Kristine
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Just curious, we never go to the movies, the last one we saw was Shrek the Third at the free matinées. I'm thinking of splurging though and taking the kids when this comes out. Anyone else planning on seeing it?
Kristine
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This is ours.
Sunday: morning Church
Monday: usually nothing
Tuesday: 8 weeks in the fall, 8 weeks in the spring, co-op, every other Tuesday 9-noon. 1x a month 4-H meeting Tuesday evenings.
Wednesday: Every Wednesday Evening Bible Study, 6:00p.m. for a fellowship dinner, 2 times a month, field trips/playday with the support group I'm in, if I decide to go.
Thursday: usually nothing
Friday: afternoons I do the daycare shopping, usually takes and hour and a half-3 hours.
Saturdays, spent working around the house, a lot of Saturdays we are at church helping clean, workday, etc.
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The cashier was very friendly and eager to use them. I wondered how she would react, but she was cool with it.
My cashier started to put them in a plastic bag and I said, "you might as well use them, that's why I'm buying them." :lol:
YOu know also, I was doing the self checkout at Meijer (the kinds with less than 12 items, you can't put the bag on the bagging area because it weighs them. Even if you wait until you scan an item. It's annoying, I'll just use the conveyor self check out and my kids can bag stuff.
Kristine
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I just bought two yesterday. Mine are black.
:001_smile:
Kristine
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I like to read for pleasure, so I usually read Christian Fiction books.
Kristine
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We have been here 8 months now and feel like we have always been here. This house feels more like home than any place I have ever lived. It feels like it was meant to be. It took about three months to unpack and settle in. :)
We instantly felt like we've always been here, it's been nice. I guess that's what happens when you go from one bathroom to 2 1/2 and double the space. I don't miss anything about our former house, a few neighbors, but that's all.
Kristine
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As a family....not that often mabye 2 times a week....but I eat out a good bit....but I get 1/2 price appetizers, LOL!
Tammy
Ok, Tammy, I have to laugh at this, some people are saying they've been out to eat maybe three times in a year, and you are saying not that often, 2 times a week!! :lol: :lol: :lol: :smilielol5: :rofl:
Kristine
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We had Papa John's Pizza on Sunday. Dh takes his lunch every day, we get Papa John's Pizza 1-2 times a month and I take the kids to Pizza Hut during the school year and use Book-It. Other than that, we usually save other times to go out for Birthdays or special events. We have eaten out more the past two months with working on things at the church and needing to grab a quick bite.
Kristine
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For me...I work like a crazy women for 1 week and get everything unpacked and put away. After that week...I start to feel pretty settled in.
When we moved last summer, I did the same thing. All of my boxes have been unpacked and gone through. I have friends that moved several years ago and still have packed boxes. Now granted we were going from 900 square ft. to 1900 square ft. So we didn't have a lot of stuff, but it was enough!
Kristine
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They are 10, 8 & 6, so any good things, preferably not spending a lot, maybe favorite books. I saw Stuck on the Presidents that looks good, can I get away with just buying 1 and not 1 for each child?
Or other suggestions....
Thanks,
Kristine
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I have no idea. According to the old schedule it was by May 9th, but then they started releasing them early, so is it still May 9th?
Kristine
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There are things besides sports that provide competition. Our children are in 4-H and it's relatively inexpensive and can be competitive. Our children are currently not in sports and if they do, it will be when they are high school aged and are in the local homeschool sports teams. Ten is still pretty young, you have a while yet if you want to get him involved later. We aren't now because of money and don't want to spend the extra time. With the way gas prices are, just running back and forth between events, I really don't know how people do it.
Kristine
Has anyone had to foreclose on a home? good the bad the ugly...
in General Education Discussion Board
Posted
That's what I would like to do, I'm pretty sure dh will say keep paying, FIL says to sell ASAP.....we will keep trying to sell it for now....I don't know what the future brings.
Kristine