Took the First Step!

 

Yep I am that old...Yep I remember this show...Well my Hubby Wubby and I are like George and Wheezy (did you ever wonder if she had asthma...) and we are movin' on up!

We took the first step to selling our house. We called our glorious, wonderful realtor who has helped many in our family and sold us our current home, and told her that we are going to start the process of decluttering our house.

Yep that's me!

No it's not really that bad, but sometimes that is how I feel!
So we are going to get the storage building to move some extra furniture in, pack our personal crap up, you know like all those shows say to do in order to sell your house. No we wouldn't have to do this if we had enough room for our 3 kids, and our own crap. Yes I know I am thankful for a home. I am thankful that we have jobs.

1. Why don't you purge your house and get rid of things?

We have done that, every other year when my family all gets together and has a big ol' Texas Garage Sale. People, I still got alot of crap.  

2. Why are you getting the storage building?

Have you ever watched one of those sell my house shows? Where do they put all their crap?! Seriously?! Are they like throwing it away? Donating it? What?! Like for real, we don't have a garage because my husband's shit has taken it over for his "hot rod" or what I have termed, "The Real Pain in my Ass." Plus even if we had room he wouldn't let anything go in his garage. A bicycle can sit in my living room but he will swear up and down that it does not belong in the garage...

Yeah makes no damn sense huh....


Anyways. We have paid all the old "I was young and dumb and didn't know or care what a credit score was so let's sign up for credit card to get a free tshirt or not pay a bill so we can go drink beer!" charges off. All but one because I honestly think that company is crazy....
So now we get to go through a new experience in life. Selling a home and all that it entails. Selling and buying all at the same time. This scares me. More then anything because I don't want to end up with everything in a storage shed and all of us in a freaking pay by the week roach hotel listening to cumbia music and people getting drunk on what is in their paper bag!

Oh goodness here we go!

Did you just hear that? That suction cup noise?

That is me pulling my head out of my butt. I am so tired of focusing on this stupid credit report! We need a new house. Our house is bursting with kid crap, my crap, Chris' crap, just alot of crap (except the brown kind). Even when Chris rebuilt the enclosed porch it just wasn't big enough. I thought it would work, well it has kind of but now, not so much.
We bought at the height of home buying. When anyone with a pulse was given a mortgage and a set of keys. I wonder if we should have been one of those who foreclosed? Well we didn't buy over our heads. We bought low key and stayed way below our budget. We have alot of equity now, and so we are in a good place. Our payment however is not so good. Taxes make it go up every year and we had already started high.
This house payment is sucking the Sookie Stackhouse light out of our hands. We are getting more and more over our heads. With my student loans coming due we are getting a bit debt heavy and the house is not helping.

I have been working on budgeting and paying off but as life goes, things go and we need. I asked the wonderful people at the mortgage company to help me figure out what I needed to take care of, and so I was given a list of things to pay and that would raise our score enough to be in a better spot. We can get a loan now but if we did we would use all of our equity to get a house. I would love to take some of the equity and PAY CRAP OFF!!! I want to pay my car off so I can put all of that towards student loans (the thing in my life that takes my breath away-I literally feel the wind come out of my lungs and I get tight chested when I think about it). When Caelynn starts KG in a few years that is more money we can throw at debt. But the house is something that is like quick sand right now and the only thing I can do is work through the credit report, pay down debt and send letters to get bad crap off our credit reports.
It's not even like our stuff is that bad! It is SOOOOOO old!!!! It is frustrating to realize that what you did when you were younger and were stupid is reaching out and slapping you in the face later. I know that I am using this to teach my children! They will see what we are doing now and figure out at a young age NOT to play with their credit score like it is something that they will never need.