Argh
Published on August 7, 2007 By Ziggystyles In Life Journals
Well we are in the process of moving...sort of...just need to find a place to live and sell our house, lol little details.

So my Marcie and I went to the town that she got hired in and for the life of us, we can't find anything available. There was one place we liked, but we couldn't get financing because of low credit figures for her and even though my number was higher, Im not working at the moment, so thats an issue there too. Even if I had a job, they would still take her low number which unfortunately is caused by stuff out of her hands.

So, now we are just looking for places to rent...houses, apartments, cardboard boxes...anything. The market is terrible for housing. There isnt much on the market and what there is, is insanely overpriced. In our many phone calls to various apartments, we can't find anyone that will take pets.

We have two cats. Cleo is about 3 years old and Hercules is about 8 months or so. Hercules uses the box and Cleo does for the most part...sometimes changing it up by taking a wizz on clothes we have lying around, but she never has gone on the carpet. As long as we keep the floors clean, we haven't had issues of her going outside of her litterbox. I guess I can understand why renters don't want to deal with pet issues. They can damage carpeting with stains, damage walls and other stuff (Id say this is reserved for the bigger animals like dogs). Also...some renters can really screw up a place and then up and leave.

I don't mind paying a pet deposit. Thats understandable. Heck, I don't even mind paying for damages they cause...because thats my responsibility. But this is really getting to be a pain in the rump searching for a place to live. Some places are going way overboard as well. One place that would take cats, wanted a 1500 deposit, plus a 1300 pet deposit...almost 3 thousand dollars worth of deposits?

On the bright side...unfortunately...there is one possibility that I don't really like much because of what we found out on Friday. Last week we looked at a townhouse that was being built. It would cost about about 300 more a month than we are currently paying for living here. It would be slightly larger than our current place as well. The bright side is that they would offer to do owner financing...at 6.5% for one full year. However, the downside really pretty much pushed this away (for me at least) from being a viable option.

If after one year, we can't secure financing, they would foreclose on the hosue. Now, I simply don't know what our credit situation will be like next year. mine is OK right now and Marcies is lower. But...after a year, I know that we could easily pay off a bunch of debt we have and the like...but I don't know how drastically that will improve our credit situation. I don't want to sign into this with the possibility of foreclose in a year.

So, until we can figure something out...I guess we will keep on looking for some place.

Comments (Page 3)
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on Aug 10, 2007
Man, I actually wrote a lengthy reply yesterday, thankfully my ie crashed so I lost it all and then I figured I would just say 'forget it' and forget it. However, its hard to forget it when ones writing is....well, the usual.

You should sell the freakin' thing (since you've often admitted you only ride it occasionally) and PAY OFF SOME DEBT.

The thing is...like I have said a few times already...I havent written hardly that much at all this year and very little of it (other than my 2000 mile bike ride) was on my bike, and the brake modulator...which that post had nothing to do with how much I ride.

but facts is facts.

You are right...and twisting something into what you want, does not a fact, make.

Marcie, on the other hand, has worked the SAME job for multiple employers, and that's seen as a more accurate prediction of her future employability and earning potential, because she is gaining experience in her field. It is assumed that her salary will increase as her experience does.

Please explain this to me, because you are comparing me to Marcie here, although we have pretty much done the same exact thing.
Marcie - Vegas - Teacher
Me, - Vegas - Teacher
Marcie - MN - Teacher
Me - sub teacher - para professional
Marcie - WY - Title
Me - WY - Teacher
I for some odd reason, I thought that Education, Education, and Education were the same field. The broker I talked to told me that as long as I have had continuous employment, Im OK. This is the longest break I have had in three years. This summer Im simply unemployed. Last summer, I worked up until we moved to WY. The summer before that in Vegas, I worked with the district up to about a week before we moved. And we have also had the same training. The only difference was in MN where I had some training in Excel and something else. And no...Wal Mart was not my main job back in MN.

But you just keep convincing yourself that bouncing around from teaching to babysitting in-school suspension (what do they call that again, para-teaching?) to stacking boxes at Wally World to truck-driving isn't going to make a damn bit of difference, mmmk?

Hey, at least its a job and Im working. Id much rather have a job and maybe dink my credit a little by working and earning my money instead of sitting and waiting "no...no I cant take that job ma'am...that would mess up my credit" What do you suggest I do...not work? And working as a para professional helped me stay in the field of education.

Just like you've convinced yourself that every time you aren't asked to return for another school year it isn't your own fault.

Here you are on Gideons blog ripping on me for my comprehension and yet you still are unable to understand a few concepts here.
1. My contract was not-renewed. I wasn't fired. As a matter of fact, and if you dont believe me ask Marcie because she was there, I wasn't even told why my contract wasn't renewed. I pretty much know why...I asked a couple of times and it was avoided.
2. Last year, I was let go because of a lack of funding. This is a common thing that happens in school districts that are strapped for cash, they let people go only to rehire them in the fall. I was hired in November and had low seniority and the fact they were letting quite a few paras go...I was among the first becuase of my low tenure. Towards the end of summer before we moved away. I got a letter asking me to call if I was interested in another para position with the district. I believe I actually had to call them and tell them I was not interested. facts is facts.
3. WM...I resigned because I had to go to WY.
4. NV, I was scheduled to return in the fall and had a room set up and everything only to resign when Marcie got a job.
Maybe you just like focusing on one thing...keep in mind that of all the jobs I have had over the past 14 years, this is the only one I struggled with and the only one I was 'fired' from. I don't know how one time equals 'every time' in your book.

Just like you've convinced yourself that you'll break even (or even make money, hahaha) when you sell that mobile home.

The thing is that yes...I am not a realtor. I also have eyes and can see the housing market. With the expanding oil and gas industry out here along with the rail road and such...there is a huge demand for housing. The fact is no homes are really being built. However, homes are being sold rather fast. When you have a lot of people moving in and very few homes for sale...there is a huge demand. There is a huge lack of apartments and rentals as well.
Will I break even, make money or lose some? Who knows. I do know the market in the area and the demand for housing and that there are a lot of high paying jobs out here. In the end...does it matter if I lose a bit of money in the deal? To me, not really. It provided a brand new place for us to live in, it gave us a huge home that we decorated the way we wanted and it was our own. If we lose some...then lesson learned, life goes on, move on. Well at least WE will move on...wether or not you forget about it, time will tell.

Just like you convinced yourself it was a great idea to buy the damned thing in the first place when everyone in JU was encouraging the two of you to wait until you were settled in your jobs for a few years before purchasing.

I would love to see what you would do out here in this situation. High priced homes. No apartments, no rentals. Homes for sale go rather quickly. Masons idea isn't bad...however I just remembered that the one place in town that allows fifth wheel trailers only allows them during the summer. That and another place that allow them close in the winter. There is another trailer, trailer park in town, though, if memory serves me right, they are full.

Just like you've convinced yourself that an expensive toy (and yes, if you are not using it as a primary means of transportation that's all it is, a toy) is something you're entitled to have regardless of other financial obligations that you are having difficulty meeting. You are so nonchalant about that $400 per month it may as well be toilet paper--the main difference being that toilet paper is a necessity.

The bike IS my primary mode of transportation. The money I saved driving the bike over the summer so far, intead of using the car has more than paid for at least one bike payment. Just because Im going through a short period of unemployment, that doesnt mean I should scream, run around and sell off everything. You make it sound like we have a tough time paying the bills. We don't. We have paid every bill on time. If money gets tight, we just cut back on spending or extra stuff or whatever and really watch our spending.

You'll deserve every bit of it, too. I just feel sorry for Marcie, whose maturity and common sense outshine yours at every opportunity. I'm sure you shoot her ideas and suggestions down just as quickly as you have everyone else's--justifying like mad, 'but, but, but, but.'

I guess you should be pointed out something. Marcie is still who she is. She just ignores the crap that goes on, on here. When she sees me writing, she always says "why bother" because she knows what will go on. Before, she wrote alot and really stood up for what she was saying and she simply just doesn't put up that much of a fight anymore. Marcie also is my wife and therefore stands right beside me...not behind me. She is very important in the decision making on what goes on. We both felt that buying this trailer was the right choice.
As you continue to go on and on how we are in for a rude awakening, just like you have for years and years, we are better off financially as the years pass. In Veags, we struggled to make ends meet. In MN, we did better, had some rough spots, pulled through just fine and were able to enjoy life a bit more. Out here in WY, we made about 10k more than we did in Vegas and did rather well. Now, she is going somewhere which will pay her a lot more than she made here. All the while, we have paid off alot of debt. The only reason we didnt get qualified for zero down is because her moms late payments on a credit card Marcie is tied to. If I get a job in the same town she will...and there are jobs all over the place, we will be more than OK and will be able to make a huge dent in our debt.
And yes, I already had an interview for a job out there, which was two days after I dropped off my application.
on Aug 17, 2007
I guess it is a matter of opinion -- but I think $400 is an outrageous amount for a monthly vehicle payment (unless it comes with a driver and then I might consider it!)


It IS an outrageous amount. That's TWICE what we were paying for our vehicles.

We feed our family of 5 on about $400 a MONTH, so I fail to see how you can say that it's not a huge amount of money. $400 a month can be the difference between flat broke and flush with cash for some people.
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