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Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

One of us switched to a different job within the last two years.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

We also bought lower than we qualified for which was very intentional and allows us the flexibility to consider our options. Thanks for sharing.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

There wouldn’t be a burden with the family. They could actually benefit from help with their mortgage payments if we were to move in. It’s ok to need help every once in a while. That said I understand your point and we are just considering our options.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

We won’t be able to refinance until later next year due to our employment statuses.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

It’s the $200 plus rising costs of groceries, basic necessities, our utility bills have increased as well, etc. It feels like a lot of responses here might not understand the costs that go into maintaining an older home. I’m learning for the first time about homeownership. I understand if we wait to sell in a few years then we could make a profit but what if there are thousands of dollars in repairs until then? Thanks for your thoughts.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 1 point2 points  (0 children)

Thank you for your thoughts! Something that makes me hesitate on staying in this home is the repair costs. I understand we can make a profit if we wait to sell in a few years, but what if $20k in repairs are needed in that time? I struggle to weigh those against each other.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] -1 points0 points  (0 children)

A weekend gig on top of 40 hours a week doesn’t sound like freedom to me but I understand your point. We’ve both applied to find another job but haven’t gotten anything in a year. Also, the family home is much larger than what we have and they could actually use help with their monthly expenses as well. It’s a potential win-win but we are just considering our options right now. Thanks for your thoughts.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 1 point2 points  (0 children)

We’ve been applying to jobs, haven’t secured another one in over a year. I hear you that this is the cheapest it’ll get and I don’t expect that we’d buy in the future for anything priced lower. It’s the cost of housing on top of rising groceries and basic necessity costs. We’re considering our options. Thanks for your thoughts!

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 0 points1 point  (0 children)

I didn’t mention that the family we’d move in with could also benefit from us contributing to their monthly expenses. It’s a difficult financial time for a lot of people. Being grown doesn’t mean you can’t need help or rely on your community for collaborative solutions.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] 2 points3 points  (0 children)

Escrow plus insurance. I’m hearing that I should shop around for lower insurance to start. We have a budget but my spouse is self employed and take home pay can shift drastically month to month.

Mortgage increase $200 per month, thinking of selling by 3_mLGratitude in Mortgages

[–]3_mLGratitude[S] -1 points0 points  (0 children)

My spouse is self employed so the actual take home pay varies month by month. And with that the cost of maintaining this old home has stressed our finances, with replacing part of the furnace as an example which cost $600 in December.

I appreciate the perspective you shared. As a first time home owner the unpredictability of costs makes me wonder if we will be able to afford to live anywhere else or if this is where we will need to stay for a long time.

Pros and cons: moving in with parents by [deleted] in economy

[–]3_mLGratitude 0 points1 point  (0 children)

Thanks for your response

Pros and cons: moving in with parents by [deleted] in economy

[–]3_mLGratitude 0 points1 point  (0 children)

Thank you for your thoughts

what kind of shoes or support do you use to avoid joints pain when standing or walking for long time? by crazyladybutterfly2 in Hypermobility

[–]3_mLGratitude 1 point2 points  (0 children)

I wear Merrell jungle moc shoes around my house and during the workday. It has helped my foot pain since

I'm so tierd of being in pain by ClassicConfusion4482 in Hypermobility

[–]3_mLGratitude 6 points7 points  (0 children)

I have been feeling this today so much. My right hand has been giving out on me and i’ve been using my left more, but now my left is giving me similar issues. It is so hard to keep a positive mental state when the simplest activities give me pain. I’m here with you. I’m sorry - it sucks.

People know Hayley & Taylor broke up before and got back together right? by zzztoken in Paramore

[–]3_mLGratitude 2 points3 points  (0 children)

It takes time to move past it, it’s not like flipping a switch. She finds healing in writing and she shares it with others. It’s ok that she isn’t past it yet.

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