God, I have no idea what I am going to write about. I am just hitting away at the keyboard just to take my mind off of the awful loneliness I feel today. I miss my family. It's tearing me apart, having to be away from them 5 days out of the week. And since it's a 6 hour drive one way just to be with them, I really only get one day a week with them.
Of course, then there is the fact The GirlFriend™ works 5 to midnight on Friday, and then Saturday midnight to 7 AM Sunday. So, I end up doing my laundry, and getting the shopping done for my family for the week that one day while she sleeps. And with her wage being below working poverty levels, and mine just not enough, even combined with hers, to make the mortgage, pay the bills, pay for the gas for me to make it back on the weekend, and to pay for a place up here, we are going to lose the house.
I've been looking for another job, back down in the Twin Cities. I've put in a lot of applications online, which is pretty much the way of job search now-a-days. But not one call. And I mean not one. It's getting extremely discouraging.
The thought is to just say the hell with the house, pack The GirlFriend™ and The Fuskers™ off up to this neck of the woods, and settle in for the duration. But The GirlFriend™ is having a hard time coming to grips with that possibility. She dreads going back to renting, which I am not particularly fond of resuming. Yet, it's more than likely the end result.
The other major obstacle coming down the road is the next adjustment of our ARM. Yes, that's right. I am one of those idiots that let themselves get suckered into an adjustable rate mortgage. I didn't figure the mortgage company would raise the rate one percentage point each year. I, incorrectly it turns out, thought they'd be reasonable and stretch out the upward adjustments out over a longer period of time. Instead, they've raised the interest rate one percent each year since we first bought the house.
We've gone from 4% up to 7% this past three years, with, no doubt, another 1 percent increase next year. Needless to say, our monthly payment has damn near doubled. And we've no more equity in our home today then we did 3 years ago. At least, not enough to help us get a refinance loan.
Anyway, as it stands right now, I am really pissed. At myself for having been naive enough to believe an ARM was a wise decision, and at the housing industry for allowing itself to get to such a disgustingly unbalanced and calamitous state.
So, there you have it. I am angry, lonely, stressed, and plain feeling completely, utterly helpless. Ya, that's it. Fine.
Fucked up, Insecure, Neurotic, and Emotional.
Situation normal.
Of course, then there is the fact The GirlFriend™ works 5 to midnight on Friday, and then Saturday midnight to 7 AM Sunday. So, I end up doing my laundry, and getting the shopping done for my family for the week that one day while she sleeps. And with her wage being below working poverty levels, and mine just not enough, even combined with hers, to make the mortgage, pay the bills, pay for the gas for me to make it back on the weekend, and to pay for a place up here, we are going to lose the house.
I've been looking for another job, back down in the Twin Cities. I've put in a lot of applications online, which is pretty much the way of job search now-a-days. But not one call. And I mean not one. It's getting extremely discouraging.
The thought is to just say the hell with the house, pack The GirlFriend™ and The Fuskers™ off up to this neck of the woods, and settle in for the duration. But The GirlFriend™ is having a hard time coming to grips with that possibility. She dreads going back to renting, which I am not particularly fond of resuming. Yet, it's more than likely the end result.
The other major obstacle coming down the road is the next adjustment of our ARM. Yes, that's right. I am one of those idiots that let themselves get suckered into an adjustable rate mortgage. I didn't figure the mortgage company would raise the rate one percentage point each year. I, incorrectly it turns out, thought they'd be reasonable and stretch out the upward adjustments out over a longer period of time. Instead, they've raised the interest rate one percent each year since we first bought the house.
We've gone from 4% up to 7% this past three years, with, no doubt, another 1 percent increase next year. Needless to say, our monthly payment has damn near doubled. And we've no more equity in our home today then we did 3 years ago. At least, not enough to help us get a refinance loan.
Anyway, as it stands right now, I am really pissed. At myself for having been naive enough to believe an ARM was a wise decision, and at the housing industry for allowing itself to get to such a disgustingly unbalanced and calamitous state.
So, there you have it. I am angry, lonely, stressed, and plain feeling completely, utterly helpless. Ya, that's it. Fine.
Fucked up, Insecure, Neurotic, and Emotional.
Situation normal.
