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Emo B | What would you do? |
Would you rather continue living in your house (that you own.. still owe a lot on, of course) that you can only BARELY afford (to the point where you have no savings)... Rent out your home and still have to pay several hundred dollars a month (like 300-500) for it, for maintenance and taxes, and you go rent an apartment. OR just sell the house altogether (don't make anything, don't lose anything on the house) and rent and apartment for a year or 2, get rid of your debts (credit card) and see if you can save some money. If you can, after a year or 2 of saving and no more credit card debt, perhaps you can then buy a very inexpensive condo? Your family members don't want to move because they love the house and neighborhood.. ::sigh:: What would you do?
Additional Details
Oh, forgot to say.. rent is about 1700. Mortgage including tax is 3500. |
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Rick B
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It sounds like a tough situation to be in. If you do not see your income rising in the near future you should either get a second job or sell the house. If you stay in the house all expenses related to it will increase. You should be able to put some money away in case of emergency. What happens if you car breaks down? I can understand your family wanting to stay but it would be better to rent and pay off your bills, save some money than to be stressed out all the time. If you can pay off the house rather than foreclose, it will be easier in the future to get another one. Good luck, I hope everything works out. |
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Sue
 |
Don't know where you live but I live in NY State, where it is expensive just to breathe. My house means a lot to me so I wouldn't want to leave it behind either..... BUT we've kept our house as our home by following some simple rules.
If I were you I would tell my family,"Sure..... We can stay in the house and pay off all our debts, but no one can use credit cards anymore, and we must live with what's in the house now. This means don't buy anything except food and any medicine your life depends on.
DON'T BUY: furniture, clothing, shoes, vehicles, gifts, cards, snacks, papers, books, soda, beer, wine, makeup, nailpolish, fast food, things for your computer, and all the other things that aren't really needed for life.
DON'T go to the movies. Don't go on fancy vacations. Don't use your vehicle unless you absolutly need to. Don't go to parties where you are expected to bring a gift, food, or wine. Don't use a cell phone or any other such item that you must pay a monthly fee for.
Take other people's soda and beer cans back to the store to get the deposit back and use that as spending money for the extra things you might need. If others you know rent movies, ask if you can see the movies with them or after them, then return the movies to the rental store for these people. Mow your own lawn and offer to help others mow their's for a small fee. Spend more time at home with the family and close friends- you'll get to know each other better, remember you won't always have each other. Visit your friends or relatives to have fun when you need to. Remember that walking is good exercise and will help you keep in shape as well as any gym. Walk your neighbor's dogs for a small fee. Keep electric lights off unless you're in the room and need them. Keep the heat down in your house to save oil. Don't use air conditioners, go to the store and hang out where it's cool!
Doing all this will give you extra money to pay for those things you feel you need and you will be kept busy. Most of all, remember that a house is only a building with stuff in it. A home is a place you and your family can be happy together! Everyone will be happy together when they get used to doing things that will save money.
The above worked for my husband and I, and our two sons in the last 30 years..... and it still works. Good luck and happiness in all your tomorrows! |
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caldwell1263
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if your family member help you pay the bills you would not be asking this question |
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Blue October
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if it comes down to numbers....then set yourself up an excel spreadsheet to do an analysis.
if it comes down to investment...try to hang on ...but if you decide to sell yu indicate you won't lose...but you might because property values are dropping. so you may not get out of a sale -what you owe on it.
if comes down to "you just luv the place"...then maybe your friends and family can help you during the next couple of years while you struggle a bit.
this is a hard decision...but you will have weigh all options...hope this has helped a bit.
good luck |
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Paul T. I
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Well, if they are old enough make them start working. If they are going to school then during the summer make them work. It's a responsibility that, not only them, but everyone has. So it all depends on what you really want to do. |
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G C
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No question... sell & rent a place! BUT.. check out rentals in the area to see if you'll be paying more. OK, you get to ditch the maintenance costs, but still consider that the landlord has taxes to pay, and they're figured in to his rent... you don't get to deduct taxes or interest.
Do the math and see what comes up.
By the grace of God, I'm not walking in your moccasins, but... here's a tip. Offer prospective landlords cash payments. Not a check.. cash!
Might get a discount. |
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sweet_n_shy2323
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Well, the renting the home out seems like you would just wind up losing more money. If you still have to pay $300-500 a month, on top of now paying for an apartment ($700+), then you might as well stay in the house and pay the $1000-2000 or whatever your mortgage is.
Right now, it is NOT a sellers market (at least where I live) and people are not selling homes for anything near what they're worth. If you sell your house to just break even so you don't owe the bank anything, I would suggest doing it; getting rid of your debts and then buying something later.
Moving does suck, but would your family rather lose the house (foreclosure) and wind up in more debit, bad credit and possibly on the street? Or avoid that and make sure you secure your future?
Good luck. |
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Dr. Deth
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How about taking in a housemate? That's what I'm doing - helps pay the mortgage and utilities (and your case, credit card bills) |
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