So, its 2009 and I want to get things rolling. I read another post in here which got me to thinking. The author said she had 79K in debt. I WISH. I looked over everything I owed. Most of my stuff is medical bills and a whopping $95K in school loans. Yes 95K, I started crying because guess what? I never found that job that I went to school for and I'm not making the money I went to school for.
Anyway, I had some progress. I managed to befriend a local real estate celeb. He said he would help me in my real estate endeavor and brought something to my attention:
I am all over the place with everything. I have this mish mosh of information that I have managed to store but I'm not sure how to use it. I mean coming from not know anything I think I'm doing well. Whenever I come across some acronyms that I don't understand I look them up here. So anyway, I may decide to meet up with him (let my husband know first don't want any confusion).
Here are my plans:
WE NEED A HOUSE or somewhere to stay and I just can't bring myself to rent an apartment. I would love to lease/purchase a home but I've been burned once before and I don't have money like I did when I started the first lease/purchase. So I'm trying other routes of obtaining a home. The least amount I found for a deposit was $1000. My real estate friend told me that it was a holy grail. I told him nah, I've seen more and they were decent houses. My only problem is... I don't have $1000 to deposit on one of these houses and my credit score is too low to get a FHA loan. How did I get myself in this mess, I do not know... two repos, civil judgement, a bunch of medical bills, and a few credit cards later, I am here, with a C credit score and no one willing to lend unless I have lots of money to put down.
I'm going to have to put together some type of list of things that I normally buy or spend my money on, because I can't figure out where its going and I know its not going on bills because I wouldn't be in this mess. I am the only one working right now. My husband is planning on opening a small eatery next month. I hope that goes well for him because I know how much he loves to cook and love the look on his face when people compliment his work.
The second thing I need to do is get a car. The commute to work is 8 to 9 hours everyday. Can you imagine, I have a 3 hour commute to work every morning that starts at 4AM. I get to work at exactly 7AM work until 3:45, take the 4:04 bus and make it home between 8PM and 9PM it all depends on the weather, a train, and the time my buses get me to the correct stop. That's 3 buses to work 4 to 5 buses from work everyday.
The last thing I need to do is get this real estate thing going. I really think I can make some great money with this.
I forgot to mention, I'm also working on my credit. I've managed to get it up about 100 points. School loans are about to start coming in, so they'll probably bring it up another 20 points.
Well its 2:18AM and I'm really tired. I just got to get my life straightened out because the way its going right is not good.
House (place to stay)
I wish it could be:
but I think we're overstaying our welcome at my husband's aunts house.
Let me go because I would continue typing and this post would get toooooo long.