James and I looked at a house today. I thought the house was cute and so did James. It had 4 bedrooms and 2 bathrooms. But it was designed a little weird. It had a full basement, and the kitchen was in the basement! The bedrooms were a little small and the two living rooms were small to. I just got an odd feeling about the house when I walked in it. The floors were original to the house from the 40's and so was the wall paper. I went and looked at the one bathroom on the first floor and that's when I said to James " I don't think so."
I saw termites! I am not messing with a house with termites. Plus the septic tank needed replaced all together. Well I guess that's what we get for looking at a house for 50k huh? Oh and when I looked at the basement kitchen/ family room/ rec room/ bathroom, I looked up at the ceiling and it was scary! Plus I am a pretty short person I stand 5'1 without shoes on and I could touch the ceilings! So needless to say, that is not the house for us.
We are still going to look for another house. We are having a hell of a time with the house we have. There are so many problems I'm not even going into it. But basically we are victims of predatory lending. So we are paying $1,000 a month for a 80k house. Then the mortgage company keeps raising our payments and not telling us. I would rather sell the house and move into an apartment for a year, than let those fuckers try and take my house. Basically that's what they are trying to do. In the two years we have owned the house they have raised our payment 11 times! We haven't even seen a monthly statement from them since we bought the house! I have talked to many lawyers and other people and there isn't much anyone can do for us. We are damned if we do and damned if we don't kind of thing.
I am trying to convince James to sell the house move into and apartment for a while save some money and then we can buy any house we want. But he thinks if we sell this house even though it is costing us more and more money, we wont be able to buy a house for another 5 years. He has this big problem with his ego. He thinks it's a status symbol to own a house when most of his friends don't. Well he needs to get over that shit. If we can't even replace the roof on the house because the mortgage company keeps raising our payments then how in the hell are we going to be able to fix anything else if something goes wrong? Isn't that the point of having a house? You need to have money to be able to fix it when something breaks? I guess he don't see it that way. But on the other hand I can be a bitch and sell the house without him, since it is in my name and not his.
Well, I think I have just let to much info out for now. But this is a big deal to me, and it is very stress full to me. ( It's bad when you have to pour your feelings into a blog online to make you feel better.) I talked to my mother and tried to get some of this off my chest,but I know she reads this blog, but I don't give a shit. All I got from her was a " I have never heard of someone having so many problems." She acts like this kind of thing only happens to me and nobody else. That's not why I told her. I just wanted some advice or someone to listen. Yeah, I could tell my friends, but they are my age and they don't have the wisdom of the world like someone my mother's age. They haven't been there and done that.
I might just say FUCK IT ALL and sell this damn house and be done with the whole fucking mess. Then I wouldn't have the stress that I do and it might fuck up my marriage for doing something so drastic. James has a real hard on about owning a house and I don't know what to do about it. Sometimes you do what you gotta do.