Right now my biggest dreams are:
1) a nicely composting manure pile where it’s needed, rather than where it’s actually currently located
2) a barn with a concrete floor and a solid frame roof with 16 stalls so that we’re not working in Tarp Land anymore
3) a grain combine so I can plant and harvest my own feed.
Yes, I know, that list is exciting enough to wake up anyone and get ’em rowdy. It sure gets me out of bed in the morning. So if RV living gets you motivated, use it. But use it as a motivational goal, rather than a gotta-do-it-to-get-the-house-sold. We’ve got friends who have been living in an RV since they lost their house to the Colorado wild fires last year. They just graduated to a yurt. She said that move, from a few hundred sqft to almost 1000sqft, felt like moving into the Taj Majal. I think trying to have your whole family live in an RV would get very old, very quickly. So let that stay as a dream, not a short-term solution for your short-term issues.
Tell us where you are again? Maybe someone in your area knows someone who knows someone who knows a really good realtor. Meanwhile, back on the farm, I’ll be trying to figure out today how to get that manure pile moved. Yea, I know, someone better calm me down, this much excitement can be dangerous………..
First, you don’t absolutely have to have the house spotless to sell it. You’ll get a lower price – but will the difference in cost be as great as the cost of an RV?
I have a daughter with a lot of anxiety issues and OCD, so I know how hard it is! Part of the way through is finding a *new* routine, so it’s not a pile of unpredictability.
How about a plan like this: you need three things: a motel that can accommodate your family, a motel or kennel for the pets, and a strong helper, and possibly an assistant for the kids. Book six weeks of Saturday nights in the same room at the motel, including one for practice, and book your helpers. Saturday afternoon take the family over the minute it is check-in time. Then you and strong helper go back and clean up the house. It won’t be perfect, it won’t be taged, but you can get it half-decent. With a regular weekend routine, it’s predictable for the kids and less stressful for you. And at the same time you can do the decluttering and box up what you can (although I’m guessing with 9 people in 1500 square feet you already don’t have too much excess, you don’t have room for it!)
Do the math – how much does six nights of hotel rooms plus two helpers plus , say, a 5% loss of value on the house cost, compared to the cost of an RV? (and the time and maintenance you would have to put into an RV, and the kids running in and out of the house from the RV because you can’t keep them locked up…)
if we paid our payments based on income, our payments would be much less, but we wouldn’t pay it off for like 40 years!! My husband still has over $60,0000 left 🙁
I know some folks have student loans to contend with, so I wanted to be sure that you knew that July 2015 rehab loan repayments will be calculated on income, NOT owed debt. You will need to check www.gshloans.com payday loans online service if you qualify since there will be rules and regs etc depending upon if the student loan is federal or private.
So this may provide some relief for some folks – I hope so.
Heard today on radio some national survey that 50% of holiday shoppers choosing to only shop with cash, debit card or checks this year, AND are refusing to go into debt for holidays.
since I reviewed a couple of bills and found out a payment had been skipped and so I had a bunch of late charges that I shouldn’t have been billed! (I have proof the bill was paid on time) – always good to double check so thanks for the reminder!
I’m just as guilty as the next person about forgetting to check our bills. In fact this bill might have gone unnoticed by me because it’s one ds and I alternate on and it was his month to pay it. He didn’t have time to get online for it before he left Monday and didn’t want to chance paying it from the hotel so he wrote me out a check to deposit in my account to cover it for what he thought it should be and when it was higher I went reading.
For me, this means that I actually need to go on line and view a bill or two which is something I definitely don’t do a monthly basis. Surely I’m not the only one who has bills on auto-pay or auto-pilot and rarely looks at their bill digitally.
about remembering to actually READ their bills when they come in, but sometimes we forget to read our utility bills. So it’s time for a reminder.
Read what you are being billed for with every bill you get.
My reading of the Sprint bill this morning just saved us $40. I had been charged an activation fee on a new phone, only I didn’t get one. Ds did because his died, so I was expecting the $36 fee for his, I was not expecting a $40 on my phone. They aren’t sure why we got charged for two, or why mine was $4 higher, but they immediately backed it off.
It dawned on me with the holidays coming up a lot of folks will be getting new phones and such, so I thought I’d remind you to read your bill to avoid such problems for yourself.
Also a reminder to watch out for your energy company adding their annual “share the wealth” billing to your bill without your permission (many companies require you to “opt out” instead of in on this program). We’ve discussed this program previously on this list about how it does not go to help those who need it as the name indicates, but in fact goes directly to the power company to cover deadbeats of the past.
It is a good idea, however,especially this time of year, that if you know of someone who is having trouble with their utilities you get their account number somehow and give the “gift” of paying on their exact bill to pay it forward. No one should be cold.
I consider 1/3 of whatever he earns going to both state and fed taxes along with other deductions like 401K, insurance etc and it’s usually pretty much dead on. So if all you are having taken out are the taxes then 25% should be close, however your tax rate runs higher than ours on the state level.
Can anyone tell me a rough figure on what I would make per hour after taxes?
I’m in CA, so we have income tax.
Should I roughly guess 25% in taxes?
So, I’m making progress on setting up the Snowball calculator and the Zero Budget calculator. I must say, it’s VERY exciting to actually SEE what the difference a few $s here and there can make in your payoff date!