Monday, November 30, 2015

Monday off to a rocky start

I think I must have scratched my eye. It's actually been bothering me (now that I think about it) for at least a week, but before it was just off and on irritation. Now it's been bothering me for 2 straight days. I spent yesterday putting drops in my eye, resting my eye (taking naps!) and no make up on and it feels just as bad this morning. I was able to get an appointment for later this afternoon to have it checked out.

DD helped me put up the Christmas decorations and the tree over the weekend. DH isn't going to put up outside lights this year. He just doesn't really have the energy right now and who's it going to look good for? all the druggies going in and out?

We continue to look forward to the day we can sell. If I can't stay with my current employer and work remotely, at least the job market in the area we want to move has started to at least show me some jobs in my field. When I first started looking (just to get a feel for how many job openings there are) I was finding nothing at all. It's had me worried. This morning I did a search and if I were looking right now, there would be several jobs I would apply for, so I'm breathing a little easier that when/if the time comes, I will be able to find a job.

DH continues to look at homes online and get a feel for what we like (and don't like), what the price ranges are, etc. Fortunately we both like the same things, so that part is making it easy. To get something decent we are going to have to spend at least $300k. $350k seems to be our sweet spot and puts us in quite a few homes/land we like (and much better quality then the $300k range). Of course the $400k ones are really nice, and several we have found would qualify as our dream home, but that is just a bit more than I think we can do. We could probably do it if I got to keep my current job, but we'd need more down payment - i.e. take us longer before we could sell this place. Also, some of the homes we like have been on the market quite a very long time (some almost a year), so it's possible that some of the ones we like that have just now gone on the market could still be available (and even less priced) in 5-6 months.

In our calculating how much proceeds we'd need to get out of our home in order to have a down payment on a new place, we included paying my mom off the loan we have with her (we borrowed to get all our fencing put in). I currently pay her $300 a month. She has offered several times to just forget about it - in her mind it will all come out even when I inherit her estate anyway. But that's not how I work - so I keep paying her and she keeps putting it in her savings (so I'll end up with it some day anyway LOL). But, if we don't pay her off with some of our proceeds (and continue to just make payments to her) we could almost be in a position to sell right now! Definitely, by spring. I think we've decided our sanity/quality of life (at this point) is more important than paying my mom off in full right now. We spent our nice Thanksgiving dinner with our dining room curtains closed so we didn't have to watch the cars lined up 4 deep at any given time down at the drug house behind us. Nice, huh? We are now into our 3rd year of all this crap.

And who knows how long it will take to sell our house! Could be a very long time, given the junkyard we live next door to and the general condition of the neigborhood. At a minimum/best case scenario, even if we sold quickly, the whole thing would probably be a 2 month process to list/sell/close - and every month that goes by gives us another $1050 in equity/proceeds. The Realtor we contacted 2 months ago said that for our area, early spring is usually the best time to list. She said last spring houses were selling in days, sometimes even hours and often times bidding wars. Which I know - because DD's BF tried to buy a condo last spring and it ended up selling for higher than it was listed for because of several offers.

By end of May, I estimate between proceeds and savings we'll have $75k. That would give us $70k for a 20% down payment on a $350k house and $5k for moving expenses. If I have to find a job in new area, I at least have the option to keep my job here (and stay at my moms) and work until I find something acceptable. DH and the dogs can go live in the new house by themselves until I can come. I'd just use up my (4 weeks) vacation time (that I found out we don't get paid for if employment is terminated - we used to but now that it got changed to "PTO" they don't accrue it and pay out anymore) to make long trips for interviews and time at the new home. That way we won't be out any income and I can be a bit choosy about finding a good job. But I am SO hoping I can keep my job and work remote. I don't want to approach  my boss with this until around end of January, at the earliest, so for now I just have to wonder and hope.

1 comment:

  1. Good luck. I really hope you can get out of there sooner rather than later and finally get some peace of mind. Anna