** I need some help and advice about my entire house please! **
This is a 3 bedroom 2 bath brick house made in 1969. I have lived here for about 10 years now. The way I bought it was through a church because I have bad credit and don't make enough money to buy a new house and go through a actual Realtor.
This house has been falling down left and right.
The roof leaks, the ceiling leaks, the walls have cracks in every room, the central ac blew up years ago, the plumbing backs up sewage in the bathtub, sink, and toilet sometimes. I only have half a room of carpet and its all ruined and stained from pets.
The chimney leaks water and it it puddles up where you would put wood to burn. The ceiling leaks so bad when it rains, I have to put buckets under it.
I have one mall window ac unit that works on low and freezes up all the time and it leaks water in the floor also.
The gutters are falling off the house, and the wood behind them is all rotted and falling off. The cracks are so bad outside the garage is separating from the house.
The main bathroom shower wall is falling in and the wood is rotting under it.
The driveway is has broken into pieces and the side walk has also, some has caved in because the ground has opened up and swallowed it.
The other bathroom, the toilet doesnt flush and the shower faucet leaks and drips water so we just don't use that bathroom at all.
All the blinds in the house are brown and broken. The dish washer has been broke for years.
I don't make much over minimum wage and can't afford new materials, I can't get a loan because of bad credit, and I am buying the house from a church and they can't help me either.
The house is still not paid off. What can I do?
I have some pictures if you would like to see some one the damage.
The house is close to being unlivable. There is no insalation in the walls of the living room, its all wood paneling that is coming apart. There is some kind of animal living in the walls of the living room. There are cracks every where and some you can see outside. I have a major bug problem, but luckily my cats keep them away most of the time.
What can I do... really? :(
First, get your finances in order.
Get rid of the cats - they are an added expense you don't need and seem to be adding to the damage.
Get rid of the air conditioning, it uses electricity you do not need to spend.
Sell your digital camera
cancel the cable if you have it
If you have a car payment, sell car, pay off the loan, and then buy a cheap one with cash only.
Then sell the house or give it back to the church. Get out from under it. Move into a apartment or move in with your parents. You are not financially equipped to handle this house.
Sorry if I'm being too blunt.
The only thing is my husband (soon to be ex) will not try and get a loan or do anything to fix the house.HE will not help clean so I will not help clean. I will not lie its been 5 years since anyone has been in the house but us two. He pays the $400 house payment and other bills. He said I am the one that should pay for all the repairs and get them done. I can't afford that no way!
I have a $400 car payment, cell phone, and multiple medical problems that I have to keep going back to the doctor for, and i have several prescriptions also that I pay for, I have no health insurance.
I have been begging and pleading and crying for him to please lets move and he says no. Can we find a way to get a loan to fix it up, he says no.
So, the house just keeps getting worse and worse and he doesnt care.
It's been 13 years of marriage but I can't keep going on like this, I am literally losing my mind!
I am turning to alcohol to help cope on my days off and I am stuck in this hell hole.
I can't afford to live on my own. I only have $300 a month extra to spend so how do I find a apartment for that cheap? I can't... I have looked into it already. I have never felt so trapped in all my life. I'm just 34, I should be living and having a happy life but no... it couldnt be any worse. :(
My car is the only thing nice that I own.. I spend more time sitting in it just to relax and be in a area that is stress free, and clean, even if its just for a moment.
I'm going to play the devil's advocate here.
Is this a joke?
My apologies if it's not, because I don't intend to be hurtful. But wow... holy cow!
If you ARE serious, let us know. I'll at least share my thoughts regarding how you might go about getting your life in order.
Yes dear I am serious unfortunately. The link I put in my sig shows a lot. :(
The truth is what I hope to get from someone... yes. :/
First, your house is not your problem. It's a symptom of a much deeper problem.
In one way or another, whether intentionally or not, this is the life and lifestyle you've chosen for yourself. I'm going to guess that your $400 per month car payment is going toward the loan for the car that's in your avatar? THAT is your problem. Not the car itself, but the fact that you're pouring massive amounts of money into something that will never do anything but lose value.
That's the tip of the iceberg. Again, I apologize for my bluntness. Do you want to continue?
Yes, not to overshadow where DrHicks is going with this, but the problem is the lifestyle that you and your husband have adopted. In order to get out from under this, changes have to be made - the car and pets are only the start. You need a new way of thinking and approaching life, and it sounds like you are ready to accept that. I offer good luck and prayers because you have a long road ahead of you that isn't easy.
Well this weekend I am starting with a 2 day yard sale to try and sell a bunch of stuff I don't need or want... may even give some away.
I hope to make "some" money though... because I have less than $20 bux to my name right now, and living off Ramon noodles at work.
Anyway, after I get a lot of unwanted stuff out of there and get down to the bare minimum I can go from there.
Our couch is no good.. its all stained up and torn so I am throwing it out.
I know a lot of our problem is all the dirt, cat pee, hair balls, fur and cob webs on everything!!
You see.. him and I have been having marriage problems for about 5 years now and the last year or 2 we both just basicly said F'it we are not doing anything anymore. (around the house, cleaning ect..)
So, we let things go more... and now its SO bad I can't take it any longer.. I am so sad and depressed I am either going to sell everything I own and move out or I am going to go insane...and hurt someone or myself.. I don't know.
No one on earth should EVER have to live like this, not even a animal!!
I will admit, I was not raised to have to always keep my room clean or make my bed everyday when I was growing up but my parents at least kept the house pretty clean.
No his family are almost like neat freaks and if I stayed the night over there I had to make the bed every day and keep my clothes off the floor ect.. (which I didnt always do) and I got my azz chewed out.
ANYWAY.... I plan to sell or get rid of almost everything I have except my computer, my tv, and my car.
Yes, that is the FIRST thing everyone says is get rid of the car. Well... I would sell it or what I owe and then how am going to get another car? I would have to save up $400 a month to get one or a down payment on one. All those "tote-the note lots want $175 or 200 ever 2 weeks so there ya go again.. payments and you have to worry about breaking down because its a older 90's or early 2000's model car.
So... I rather just keep this one and drive it until the wheels fall off...
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