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mamabear2three

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  1. You know, the irony here is that the last time I posted in here, it was asking about the concept of full-timing and I got not a single negative comment. Since then we have found a huge community of people, with kids, who are doing it, doing it well and loving it. By the way - I am not sure what "tv shows" there are that show this, I haven't seen any, but sounds interesting! We don't watch much tv. In the end, there are a lot of arguments that can be made about a lot that has been said but I'll just say this - I asked for anonymous advice about something, which means I can take it or leave it and who knows what I will end up doing. I really like this forum in general, which is why I came here to ask, but it's amazing to me that people can get so worked up about someone else's choices about things. I do appreciate those who took the time to answer my question without the rest of the junk about the lifestyle choices.But now I'm done - if you all want to continue arguing about how terrible it is to do this or that, that's fine, enjoy :)
  2. We are doing extensive research into the lifestyle we are looking at, and the costs involved and haven't committed to anything yet but not all RVs are a bum deal - to get a tow behind trailer used is well within our reach financially and there are many ways to save money on the cost of parking it for the night - the average costs others who do this are much much lower than our current rent. We are definitely looking carefully at the finances. If this option doesn't work out there are other options. I guess the main point is me feeling bad to back out of the contract, regardless of where we go from there. We've been "stretched" financially our whole adult lives, so we were just chasing the "debt free" "bigger house" dream and have realized that while debt free is where we want to be, a bigger house isn't necessarily where we want to be, and are reevaluating that.
  3. we do have a good relationship with them and I want that to continue! Thanks for all the suggestions on how to come at it with offers to help them as best we can. Will they be able to continue living without our payments? Yes, but it would likely eat into their savings - they are semi-retired - my dad still does part time at his old job remotely... and it is enough to pay for them to continue - but if they don't sell quickly, they will have to pay their mortgage payment still, which is what our rent covers.
  4. The contract just states that if we "default", they have the right to keep everything we've already paid for and sell the house to someone else. I guess the term "default" just scares me!
  5. oh and the money we pay in rent each month goes toward that 20% down payment too - everything is just so tight and it would all have to work out exactly right to work... including several much needed raises for my husband, so if those don't happen (who knows with teaching) then we'd be up the creek without a house anyway. We originally agreed to the deal because selling our townhouse made us enough money to pay off all our debt, and a financial advisor told us that providing we got the raises we are supposed to over the next few years, we'd be OK.
  6. in another 6 years we'd apply for a mortgage, at which point our monthly house payment would double (roughly) and we would *hopefully* qualify... we are putting every dime into savings between now and then in the hopes of having 20% down but we will likely fall short of that number and end up with PMI on the mortgage because of it.
  7. we were actually told the roof had been replaced recently - they didn't bother upkeeping it with leaves building up in a couple areas, so the water backed up under the shingles and rotted the wood out. But regardless, we can handle it if we continue to struggle and sacrifice, which is what we decided we aren't willing to do just for a house. The RV thing is not really what I'm looking for advice on, but I do appreciate the concerns there! We would probably need to look for something cheaper even if we ended up not doing the RV thing, so that's not really the main issue. Regarding them falling back on us - they already use the majority of the basement to keep their belongings in storage that they wanted to keep for an apartment, and they use us for mail service, so they'd have to figure something else out for those things too.
  8. I need to run this past people who don't know me in person, so that I can get an outside opinion and either confirm or calm my concerns about a situation! My husband and I, just over a year ago, signed a "lease to own" contract with my parents to buy their house in a maximum of 7 years. They made sure we understood that they were doing this at a sacrifice, and that their financial adviser, a Christian, said that they were being very generous and was really impressed that they were willing to do this. My parents moved onto their sailboat and plan on renting an apartment to live in when they are done sailing in 7-10 years. The details of the contract included: -a sale price that was comparable to other houses in the neighborhood. -2.5% discount (we split the commission the realtor would have made and took that off as "down payment") -the rent we pay goes into our down payment each month. -we agreed to the house as is and we didn't pay for an inspection. -we didn't file the paperwork with the state because it would likely make the loan come due so it's all on paper but nothing official. Since moving in, we have had to do one roof repair and another small section needs repaired. We have had to replace a medicine cabinet that was falling apart, we have had to repair all 3 toilets in the house with new parts, we had to repair a leak in a main sewer line pipe and a handful of other minor repairs. (thankfully my husband is quite handy or else we'd be in some serious financial trouble by this point) I'm sure there are other issues that an inspection would find, too. The house still has original single pane windows and is quite drafty. We have decided that within 1-2 years we want to move fullitme into an RV and travel around the United States for a few years minimum, and recognize that doing so will mean giving up the house we have now and the "rent" we've put towards the down payment. This will relieve the financial strain of attempting to afford a house that's really beyond our finances, though, and allow us to travel (we'll be able to buy the camper outright and just have a loan on the tow vehicle). Without doing this, we'd rarely even get to take a vacation because of lack of income and high cost of living where we are. (my husband currently works several part time jobs in addition to his fulltime job of 7 years as a teacher and we still qualify for WIC) I'm nervous about talking to my parents because I feel like they are going to feel like we are handing them a back a house full of issues that they will have to put work into to sell, but my husband thinks it's not a big deal, because they'll just sell it to someone else without all the "sacrifices" they made by making the deal with us. I know they won't approve of the plan regardless, but I just feel like we got a bit of a bad deal on the house in spite of everything they claim and that in going back on our deal, that we are being somehow mean to them. Am I crazy?
  9. My husband and I are considering this possibility sometime in the next 2-3 years when the kids will be ages 10, 7, 5, and 3. One of the big questions is a job for DH - he is in the process of finishing his masters degree this school year, but is currently a music teacher and teaches lessons on the side. His masters will be in technology education. He has mentioned the possibility of doing online teaching but I don't know if that would be enough income and we were wondering what other mobile job opportunities there might be to help support us while we traveled? I'd love to know where people with kids tend to camp to have a better idea of a budget for campsites (I know that it is possible to boondock and save money but how feasible is it really?). Does anyone on here live on an RV and be willing to let me pick your brain a little? Thanks!
  10. Thanks for this suggestion! I think this is exactly what I'm looking for :)
  11. My daughter thrives on highly structured writing instruction and totally hates WWE - last year we did Bob Jones English 2 and the grammar was so super too easy for her, but she thrived under the writing portion - she would sit and work meticulously on her writing assignments, extending them to a page or more. I took the recommendations I was given regarding grammar to try MCT and we are loving Grammar Island, but I feel like I would get more writing enthusiasm out of her with a more structured writing program that gives more boundaries for writing assignments and feel like Bob Jones would be a waste of money by using only the writing half. Any good suggestions?
  12. Just wanted to say Praise God - my daughter is finally remembering her subtraction facts (year round schooling, here we come...), we are finished with all of our assigned schoolwork for today!!! and my toddler fell asleep for an impromptu nap after waking up at 5AM... This mama's tired but pleased with how the week ended!
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