Freaking A

[HipsterDufus]

So yeah, we pretty much bought too much house for how much we could afford and now my escrow payment has increased $100 a month due to increased property taxes/insurance. Bye bye 401(k) deductions. Either we sell this place, or I need to get a better job and um, yeah, you guys know what the job market is like in Michigan. Not to mention the housing market is in a decline, so it'd be virtually impossible to get what I want out of it. It's not even like we lead extravagent lives or anything. I've probably spent a total of $50 in new clothes in the last 12 months.

Ugh, I'm just frustrated. I already am in over my head and this isn't going to help one bit.

[kellygrrrrrl]

Time to start shopping for insurance/refinance?

I do insurance, if you want me to look into it for you!

[phee]

So yeah, we pretty much bought too much house for how much we could afford and now my escrow payment has increased $100 a month due to increased property taxes/insurance. Bye bye 401(k) deductions. Either we sell this place, or I need to get a better job and um, yeah, you guys know what the job market is like in Michigan. Not to mention the housing market is in a decline, so it'd be virtually impossible to get what I want out of it. It's not even like we lead extravagent lives or anything. I've probably spent a total of $50 in new clothes in the last 12 months.

Ugh, I'm just frustrated. I already am in over my head and this isn't going to help one bit.

I know EXACTLY what you mean

[HipsterDufus]

Looking at my property taxes, those are what really killed me. It's my first year in the home, so they graciously decided to readjust them on me. And, of course, those aren't negotiable.

[Guest Game of Chance]

fucking proposal A...its a son of a bitch

[HipsterDufus]

Yeah, I pretty much had no warning or idea that was coming.

[jadnifer]

Im sorry to hear that you are going through this right now. I dont know what its like but Im sorry that its happening to you, especially when its your first home.

[Fierce Critter]

Sigh. I can definitely feel your pain. I'm sorry.

We bought our first house in NC. Ended up house-poor, and almost ended up in foreclosure.

Luckily, we sold it within 30 days of listing it. But I know how nerve wracking it can be to have to dump every penny into your home, and then have more bills hit.

Best of luck.

[Steven]

Time to start shopping for insurance/refinance?

I do insurance, if you want me to look into it for you!

do you do life insurance?

I seriously need to talk to someone about that very thing.....

[Rayne]

I know EXACTLY what you mean

OMG, do we ever ...

[Draco1958]

Looking at my property taxes, those are what really killed me. It's my first year in the home, so they graciously decided to readjust them on me. And, of course, those aren't negotiable.

Check with City Hall. I know here in Lincoln Park if your property taxes go up and you feel the increase is wrong, you can appeal to have the house value reappraised. Sometimes they over raise the house value and you can get them to change that. Worth checking into.

[HipsterDufus]

Thanks for the friendly responses and advice, everyone. I think I've come up with a solution, even though I don't really like it. I'm probably going to have to sell my '04 Saturn Ion. I only owe about ~$7500 on it and it's worth about $11500, so I could use whatever profit from that to buy a junker car and eliminate my car payment altogether. I have to take some personal responsibility for bettering my financial situation as best I can.

[Homicidalheathen]

My husband wanted to jump the gun and buy a bigger house now that things are going well. We have the medical bills payed off but still have two past due loans to pay off. I wanted to wait.

I think it is a good thing we did, you just can't be to sure about the future. I want the garage and second bathroom but this will have to do for now....

Have you thought of taking in a boarder?

[HipsterDufus]

My husband wanted to jump the gun and buy a bigger house now that things are going well. We have the medical bills payed off but still have two past due loans to pay off. I wanted to wait.

I think it is a good thing we did, you just can't be to sure about the future. I want the garage and second bathroom but this will have to do for now....

Have you thought of taking in a boarder?

I've thought of it, but the thought of taking in a "roommate" just digusts me. I bought a house for privacy and taking someone else in would eliminate the only reason that I'm even keeping the house (besides the fact that I don't have enough equity in it to make it worth selling). I'll live. I'll just have to make some compromises. I can live with a crappier car.

[kellygrrrrrl]

I do sell life insurance Steven! I'll PM you my numbers!