Help. I'm really sad. I need words of encouragement...?

Question

my morgage was due on the 1st. its 900 I just called the bank and I was negative 165. I can't stop crying.. i don't wanna sell my house because it hasn't been 2 yrs. yet its only been 1yr. and 3 months. What should I do? Everyday I just wanna shoot myself, it just seems easier than the pressure of my bills. And my boyfriend that lives here barely helps. I know I should kick him to the curb but i'm waiting for money from him.

I do have a full time job. And i have made the payments late but no later than 30 days

thank you all very much I feel a little better.

Answer 1

Hang in there , life will get better.

As far as the guy goes, get rid of him now, forget the money, it is not worth having him around.

Answer 2

First of all, these problems are VERY TEMPORARY. I know money issues seem horrible, but there really are a lot of things you can do.

You h ave some options here. First of all, get rid of the boyfriend. He sounds like dead weight.

Second, you might want to consider renting out your upstairs or a room or something. This could pull in an extra $400 or $500 a month for you, if they have their own bathroom, and could really help you out on your expenses. Plus half utilities. Put an ad in craigslist or in the paper.

Third, make a budget and stick to it. You may need to get rid of cable and internet for awhile, but you can still get online at the public library. See if your job will let you pick up some more hours, or consider getting something part time on the weekends for a few months or until things settle down a little.

Good luck! Things WILL get better!

Answer 3

Call the mortgage company. You're worrying about something that you don't have all the details about. You say you've never been late more than 30 days. It's not so terrible- I doubt if you're going to lose your house. Also try calling your personal bank- explain you're having a bad time- perhaps they can help you with some of the bank charges. I used to work at a bank- a lot of times, we refunded half of the overdraft charges.

One thing you have to do- sit down and figure out how much of your pay goes towards you b/f. You think he's barely helping you. Put it down on paper and figure out exactly how he's helping you financially. Is it possible that you're actually using a large chunk of your pay to help him? Also, be honest- does he help you in other ways? Is he just going through a bad spot? Is he kind? Does he help you with the household tasks? Does he help ease your worries? Is he there for you? It doesn't sound good from the information you provided. You say you're waiting for money from him- how much is it going to cost you waiting for money that might never appear? It might be time to let him go. Give him an ultimatum.

Answer 4

I can think of two things you can try - 1) Call the mortgage company and let them know you are having difficulty and ask for some time to get caught up; and 2) Find a part-time job that you can work after your full-time job and put that money toward your house payment.

Bills can be tough and overwhelming at times. Hang in there, though, and a solution will come to you. Sometimes we have to give up things to get more later on down the road, but you can buy yourself some time to make up your mind about the house if you work with the lender and supplement your income with an additional job.

Answer 5

Kick his a** out, sell your house, move into a small apartment, and buy a sweet car. You'll make money off the sale of your house (might not be much, but some is better than none), you won't have the financial or emotional drain of a loser boyfriend, and you'll feel better driving around in a new car (and my even pick up a new boyfriend...lol). Sounds materialistic, but guess what's causing your problems right now?

Answer 6

Girl, I understand how you feel. I had the same thing happen, but with me, it was my sister/roommate who moved out. You just really need to think about you in this situation. If you don't sell, your finances will never improve, and you'll be stressed out every month. God, it's hard, and it really takes a toll on you. 15 months will give you some equity, enough to cover closing costs at least. Start by consolidating your other bills. If a roommate is not a possibility, please sell. Once that For-Sale sign goes up, you'll instantly feel better, cause you'll actually be able to see a glimmer of light at the end of this long tunnel. Good luck.

Answer 7

Try not to despair yet. Is this the first late payment you've had? They usually give you a grace period, and even then they're not going to take any action to take your house until you're months and months behind. My advice is to call the mortgage company and let them know what's going on. If you're just honest with them and let them know you care about this, they might cut you some slack.

Meantime, if I were you I wouldn't wait too long for that money from your boyfriend. He's dragging you down.

Answer 8

Hello dear one. Breathe easy. Relax. Let your tears flow as they need too. When they are done, take action. There are lots of things worse than having to get out of a house deal. Even if you lose money. Money is not the most important thing in life... it truly isn't.

It sounds to me like you would be better off renting a cheap apartment and living alone than with this current deadbeat. Then you can get back on your feet. In any case, don't hang on to this boyfriend for the money. He doesn't sound like he is worth it. Sounds like you are being used. The trouble with the money is just a symptom of him using you.

Stop getting ready for a miracle and know that YOU ARE READY RIGHT NOW! That is my prayer for you, dear. Be well. God is blessing and loving you more right this instant than you can even imagine.

Answer 9

I would like more information, Are you working? You have lived in the home for 1yr and 3 months, how did you pay for it?
You have about 3 months to play catch up , so look at what is in your life that is not supporting you. First your boyfriend is not supporting you emotionally or financially, and waiting for someone else to do something, is a waste of your energy. You do something, clear up your thinking, you can do this. What action can you take now, that in three months will serve you well. You need some SPUNK, say this to your self, outload,or shout it as load as you can. I AM WORTHY, I AM BEAUITFUL, ANY MAN WOULD BE BLESSED TO HAVE ME IN THEIR LIFE, I AM RICH, I AM SO BLESSED TO BE ALIVE, I FEEL GREAT. SAY THIS WORDS AND MEAN THEM EVERYDAY 10 TIMES, AND WATCH WHAT HAPPENS. WHEN YOU STARTING FEELING BETTER ABOUT YOURSELF, YOU WILL START MAKING BETTER CHOICES FOR YOURSELF. SO START NOW!!!!!!!!! MAY YOU BE HAPPY AND WELL

Answer 10

If your boyfriend is not contributing to the expenses then he doesn't need to be there. You do not need to sell your house because you are late on a payment. You have more options than that. I would considered talking to a financial consultant so you can get your bills in order.

Answer 11

get rid of him...trust me- you have no idea how much he is draining you financially- not to mention his lack of financial support to you

talk to your bank....if the negative balance is due to overdraft- they may be able to "forgive" some of them (if you haven't asked for this more than 2 times before)

if you have anything (of HIS would be awesome) that you can sell- do it...yard sale...pawn shop...

look over all of your expenses...eliminate what you can (high car payment? trade it in for a lower payment...I did that and went from a 450 per mo payment to a 220)...cell phone bill? do you have a house phone? then get rid of the cell....and so on, and so on....

hang in there- I know its overwhelming...but this too shall pass...if you do have to sell your house- think of it as salvaging your credit and making a future home purchase when your finances are stronger a reality...