So life is really hard right now.. but I feel bad saying that, because in other's eyes my life probably isn't hard. We have our health, food on the table, and a roof over our head. But in MY life, I think right now is hard.
We have been approved for a loan modification on our house, which is great, except for the fact that we are SO behind on our property taxes, HOA dues, and second mortgage. We stopped paying all of that when we stopped paying our first mortgage. We could accept our first mortgage payment of $879, but we still have to pay $180 HOA a month, $250 for our second mortgage, and save at least $200 a month to be able to pay our property taxes every year. So basically we are saving only $200 a month with this new loan modification.
I don't know if this was God saying something to me or what...but I went on-line to look for rentals, which I haven't done in a LONG time, but this one house that I looked at back in June, that got rented, is now for rent again. It is right down the street from our house and it's 2 bedrooms but with a really nice backyard. It is really nice and I really liked it.
Basically Matt and I sat down tonight and decided.. do we keep the house or not.
Is it really worth us having to deal with grumpy ass old man, paying lots of money on back property taxes and HOA dues..
I know that if we decide to leave the house, it will be sad, but almost like a new beginning..
I just want some advice.. some prayer..