It seemed like it wasn't connected or something..
Titles only . No content.
I think it's working now.
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April 2023..
I moved back here in 2018. April26.
Been almost 5 years.. we made many changes and here we are .
In the last year I have changed jobs..
Before I moved, I had consolidated debt to a $480 per month payment and still had lots of credit card debt, more than $15,000. Which includes the moving fees and storage and such.. I sold my house and rented a POD to ship the belongings. Sold my old car... and drove here. L and I . We stayed with a friend and planned on helping them build a new home for all of us.
Situations changed and we parted .
I continued to pay off the consolidation till it finished, within the first couple months. Then all I had was the remaining $15k.. but my car died the week after we arrived, and I was pressed into buying a newer car. I found a house to buy, with a contingency of closing in November..so L and I needed to find a place to stay for a few months.. and we rented a cabin at a local motel.. 8 weeks.. then we moved into the house. I didn't use the house money to pay off the old debt.. I put it all into the new house..
So I continued to pay the debts.. the new house was great. Nothing needed.. taxes and mortgage was high.. is high... But last year before I started the new job.. I paid off the $15k of credit card /moving debt.. I still have the car payments.. and been over paying it, so it's nearly paid off.
The job change was smart and not so at the same time.. the loss of money can be justified with the rises in gas prices and inflation, but it's a third less take home than before. And the mortgage had gone up twice due to the taxes and insurance going up In the escrow.. plus the accidents causing the car Insurance to go up..
Also the utilitys have more than doubled .
So now the lower pay is starting to hurt . I did get a small raise. And I'm supposed to see a cost of living increase soon.. but no where near the $5k a month I was getting..
But L has money and we have been using it to offset the difference.
I almost depleted the cushion I built.. but with out the monthly debt payments.. I am stable..
The side work has been helping.. I used that savings to rebuild the other car . And should get it back from L, as payment.
Also I am down to the last of the Chips.. 3 more out of 75.. with a $500 for parts. And between $80 And $130 per piece.. that added up..
I did recently order another 25. And get requests or inquiries each month. So, it has future monetary potential..
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But.. here I am, 5 years into the new situation, and making it work.
It could always be better.. but it's good.
I still question the job change.. the money could be better..the work is good.. it has its challenges and it has many plusses.. if I could make the mortgage less, I would feel more comfortable..but.. no chance of that without selling and moving.. and the market isn't good for buying anything better/cheaper, downsizing isn't an option right now..
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So that is it.. 5 years into my financial and still working it out.
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My personal life is I guess still on indefinite hold.
Nothing new .no option. No opportunity. It is what I always fight..
I should be married and looking to retirement with someone..
But not for me.
R
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