swirlspice
14p10 comments posted · 0 followers · following 0
15 years ago @ Tiffany B. Brown - Reading List for 2009-... · 0 replies · +1 points
15 years ago @ CECILY.info - Barack Obama Knows Con... · 1 reply · +1 points
15 years ago @ Tiffany B. Brown - My Happiness Project: ... · 0 replies · +1 points
16 years ago @ Rethinking Basketball - The Storm’s All-... · 0 replies · +1 points
And, as a Michigan grad, I have to agree wholeheartedly with transition points #1 and #3.
16 years ago @ CECILY.info - Updating Finder Workfl... · 0 replies · +1 points
16 years ago @ hoopfeed.com - Unfortunately, Taurasi... · 0 replies · +1 points
The sad reality is a LOT of people drive drunk ALL the time. Relatively few actually get caught. Hope Dee learns from this mistake and gets it together.
16 years ago @ On a... - Things I\'m Surprised ... · 0 replies · +1 points
16 years ago @ Tiffany B. Brown - Why homeownership has ... · 0 replies · +1 points
Ms Krista makes a good point about the taxes. Detroit's real estate market is all kinds of crazy; my sister (who's in the same position with her mortgage and wanting to move as you are) was just telling me how out of line her tax assessment is with market value of her house. So it is probably fair to say that the market value is lower than it was when you bought it and lower than the amount on your mortgage, but it may not be as bad. I presume you've already looked through zillow.com and other resources to see what comparable (non-foreclosed-on) homes in your area are selling for. Have you talked to your bank about refinancing, since you do have good credit?
To be with my probable-future-husband! -- :D
At this point, while the obvious answer seems to be "stay in your house" that is obviously not going to make you happy. I suspect you'll pull the trigger on moving sooner rather than later. So there's going to be a tradeoff. Only you can truly decide how much of a financial hit your heart and your credit can tolerate.
This is the time to make a plan and fucking work it. And this is where you need to have a courageous conversation and trust and lean on JT. Because if y'all are truly seriously going to move forward together, y'all could and should work through this together.
Can you move out there, shack up with him, and rent your house in the mean time? Even if you can't rent the house enough to cover the cost of the mortgage, can you save enough living with him to cover the rest (and maybe a property manager)? Can y'all both move somewhere else cheaper than LA or Atlanta? Can you say right now, I'm going to move *somewhere* in two years and in the mean time I'm going to pay the everloving shit out of this credit card debt or pay ahead on the mortgage. I don't know how much you are putting into your 401(k), but I'd back off anything more than 5% (or whatever your company matches, if they do) and keep the rest of that money.
It sounds like you're already trying to cut back where you can and still pay your bills and put money towards things that truly make you happy (like spending time with JT), so I don't know how much more room you have to make those adjustments. But I also understand wanting to handle your own business and not enter into a relationship with that kind of baggage. I'm still struggling with that and, hey, it turns out my gf has her own shit which is pretty much the opposite of what I thought it was. Just gotta work through it and have some faith and trust.
I don't know, I'm kind of brainstorming here and maybe not telling you anything you don't know or haven't considered. But you are in a position in your life where you can't let a calculator alone make this decision.
16 years ago @ BlackGayBlogger.com - 28 · 0 replies · +1 points
16 years ago @ BlackGayBlogger.com - T-Minus One: · 0 replies · +1 points