Selling the house

[jane taylor]

After months of agonizing, crunching numbers, scrimping, etc. my husband and I have decided to sell our house. We have an ARM (dumb, dumb, dumb, I know) and the mortgage is just too high.

It is sad that we are leaving the home in which we've raised our family, but there is no other way. We will rent for awhile and get back on our feet.

My emotions are all over the place these days. I cry at the drop of a hat.

I know it is just brick, wood, and sheetrock and that it can be replaced. Still, it is very hard to keep my head up when it is obvious that I've failed miserably.

Just needed to have a pity party I guess, but now back to work.

[lrprn]

After months of agonizing, crunching numbers, scrimping, etc. my husband and I have decided to sell our house. We have an ARM (dumb, dumb, dumb, I know) and the mortgage is just too high.

What is dumb, dumb, dumb is keeping a house that is killing you financially. I really admire your courage for doing what you must to climb out of the hole and truly make a new start without the heavy debt burden that is dragging you down 24/7.

My emotions are all over the place these days. I cry at the drop of a hat.

When I first realized the extent of the financial disaster we created, I think I cried more than I didn't for the first year. I cried in the car, I cried at home, I cried at work....I even cried in my sleep. I never went anywhere without kleenex handy. But slowly, slowly, as time passed, I realized I wasn't crying as much. Now another year later, I thank god we finally did what had to be done.

No blue ribbons will be handed out as we sacrifice ourselves and our children's futures trying to pay the un-payable for year after year after year losing ground no matter how much money we throw at the debt. Enough is enough.

I know it is just brick, wood, and sheetrock and that it can be replaced. Still, it is very hard to keep my head up when it is obvious that I've failed miserably.

It's hard today, Jane - it's new. Over time the sadness and self-dislike fades. It's so great that you are doing what you need to do to be happy in the future. We who understand the need to create pain today to have smiles tomorrow are so proud of what you and your husband have done. Eventually you'll be very proud of yourselves too - just not today.

Just needed to have a pity party I guess, but now back to work.

Come have a pity party any time you need one, Jane - you've earned the right. You take care of so many people in your life and work, we're honored to take care of you whenever you need it. Keep looking ahead - times will be better.

[$$only4ever]

Jane,

Please don't look at it that way. You haven't failed at all. You are smart enough to know to get out and make it a better situation for yourselves. I know how hard it is when you are attached to a house. If you have lived there any length of time, there are alot of emotion and memories that go with it, but look at it another way, this is a new adventure for you and your family. Please remember, as long as you have your family, it doesn't matter where you live, it will be home and new memories will be created. Take care.

[FeelingHopeless]

Aw, Jane ... it won't hurt forever. You're making the right choice ... and eventually you and your family will be in a home that won't break your budget. They are right, you know ... there is no sense in breaking your back year after year trying to dig yourself out of a hole that's only getting deeper.

I cried on the way to the courthouse ... I cried when we left the courthouse ... I cried every time I opened up my pay stub and saw the word BANKRUPTCY listed in the deductions. It gets easier.

[SinkingFast]

We lost the house our kids grew up in too, Jane. So I know where you're coming from.

It's not the bricks and mortar, plaster and paint. It's the memories associated with the house.

You're entitled to grieve. It's just like loosing a valued member of your family.

Once you do get further along in the process, you'll feel better. And you'll breathe easier financially too.

You won't forget the house. It's a part of your life. And with time, you'll be able to remember it fondly.