God, the forces that be, mother nature – all involved… could we not have had a “heads up” sooner?
We just got royally fucked. (sorry, for the F bomb, but seriously) FUCK.
It is soooo bad. My husband and I just got done crying.
As my “grrrs” know, we were planning on moving out-of-state because we can no longer afford California. Oddly, we can’t afford to live here, but we can’t afford to move either…because relocating costs are so high. But, we were keeping our fingers crossed that our condo would have a “bidding war,” and we’d sell for a decent amount so we could use a teeny portion for relocating. It was going to be a gamble that we hoped would pan out for us.
We had a glimmer of hope. With my husband’s sales job, and my online data entry (although meager) would help us to pay off our bills living in an area that cost of living was more reasonable, like Boise, ID.
When my husband first approached his company, they said ideally, they would like him to remain in California, but anywhere on the West Coast (WA, OR, ID, UT, AZ, NV) would be sufficient, as long as he traveled and got work done. He had another meeting with them at the end of the year where they confirmed this. They don’t want to pay more and there’s no way they can get another salesman for the same that can make it in California (LA/OC vicinity) on the base pay and commission they are paying. These are Pennsylvania guys and don’t get it, but told my husband okay. They would try it and see how his sales were the next 6 months. This call happened in December, just a month ago.
We were specifically waiting on signing with a realtor to see what my hubby’s work would say. And because they confirmed their okay, we decided on a certain real estate “sale” method that required us performing upgrades to our condo so that it would sell “higher” vs. walking away, selling as is- and maybe having to short-sale. We gave them the okay to do the flooring and counter tops that payment will be made during closing costs. We already placed a lot on our credit card, included $2,400 for professionally staging the place. (furniture rental)
Everything is set. Next weekend, first weekend of Feb. we’re having our open house and the realtor is fairly certain offers will begin rolling in… listing the property low, get the prospective group of buyers in, generate excitement, have them bid against one another- get amount up to 390k to break even, possibly 400k to help with relocating costs. It was a gamble and we were hoping God would bless us with a crazy 425 maybe. (unlikely, but we were hoping he’d be generous)
We would have went a different route with selling our place. If you didn’t want us to move and my husband’s job would be in jeopardy, why didn’t you say so sooner?
We signed a listing agreement and upgraded our condo based on last month’s sales call. Had we known it wasn’t going to work, we might have held off selling, and we certainly wouldn’t have done upgrades. Now, if we chose not to sell, we owe 10K for work we would have never had done!
Now, we can’t move because my husband doesn’t have a job…and the market where we were going isn’t great. So, we can’t relocate to an area where we know no one, and have no job, and not much job opportunity in the city we were intending to move. My hubby’s sales job was ideal. Now, without that…we have to stay in CA because there’s more job opportunity here. That fucking changes everything.
Great. Do we sell the condo now? We can’t get an apartment because neither of us has a full-time job. Even if we could get into an apartment, we couldn’t afford it. Apartments are more expensive. So now, I guess we have the open house, see what kind of offers we get… I don’t even know if 400k will be enough… if only 390 tell the realtor we are no longer selling because we’ll be homeless. As of now, I guess stop paying our mortgage and eventually wait to see if condo will get an offer for 400+ (so we have some money to live off of), or wait until foreclosure and until they kick us out like a year later?
What are we to do?
Then claim bankruptcy for all those credit cards that we thought after relocating, we could have paid off in a year or two. BTW: It costs money to claim bankruptcy! And now, medical insurance? No one can afford Cobra.
FUCK, FUCK, FUCK…
We’re going to need to do a GOFUND me account. Fundraiser to our friends/family for us. There is a program called South County Outreach, that might assist with mortgage for a month or two, but funding is limited. And to qualify for their transitional housing we have to first be homeless. Living out of our car or camping in my sister-n-law’s back yard. Well, the weather is starting to get warmer…
Wow, I’m going to have some interesting future blog posts.
Why doesn’t anything EVER work out for us? My husband has a college degree (engineering aerospace- he’s fucking smart) never had a good job that paid him what he’s worth. I’ve always worked. Always. We don’t live beyond our means, we don’t go out on dates ever, we don’t have babysitters- we stay home. Our fun was kids’ sports, but even that is now gone. We have Netflix, which probably have to stop that now. We can’t live any cheaper than we already are… eating soup or pot pies daily.
Seriously. It’s fucking unfair to watch all our friends with awesome homes, living just awesomely and we’ve always had to struggle. Just when we finally thought out a new plan for our lives…
A new fucking reality evolves.