No one has viewed my house and now it's been a month. I reduced the price and we've scheduled an open house. I'm now in a financial bind to pay for the house in Nebraska that I put in a cash offer on. My severance was taxed at the 30% rate, not 20% that I expected. My financial advisor told me to pay off all my credit. And my 401K lost about 8K last week in that dip so now I'm short of cash for the house... about 20K short. And that's not counting moving expenses or the fee for the course I have scheduled in Florida in two weeks to get the business started. No one wants to give me a loan... can't imagine why!! Oh yeah, no job! I make enough to pay for everything in my budget but banks don't care about that anymore. Just your debt to income ratio. I hate banks. When a bank you've banked with for over 30 years, won't give you a secured line of credit, there's a problem somewhere.
I have my 'last chance' loan application in and should hear something tomorrow. Otherwise, I will have to throw myself on the mercy of the seller and see if she will let me owe her the balance until I sell either my house or my Mom's which I decided is not worth the trouble to rent. Worse case, she could sue me, too, for breach of contract. Or she could be nice and take the balance when this one sells. Then I'll just have to stay here in Texas until this house sells. I'll have to reschedule the move and keep paying for a storage unit. I'll lose the money already spent on airfare for the course in FL and I'll have to reschedule that after this one sells as well. Which means I won't be able to start the business as planned in July and won't start making any money until who knows when... I can't do much from here. So I'm praying that my 'last chance' loan comes through.
And CPS is not cooperating on any front with Mac. First they said he could go to a kinship placement and his teacher and her family wanted to take him. Perfect answer. But no, she didn't know him before he came into foster care so they can't get qualified on the fast track. So I said I would adopt him. Now they don't want to let him leave until his citizenship is sorted out. They've had six months to do that and haven't. So I suggested just letting him go with me on a vacation status and hopefully, it would be sorted in 2-3 more months and now they don't want to let that happen either. They need to see him every month. They want to move him to a new foster home until the citizenship issue is solved and he can be put back with me in adoptive placement. What a crock! Unless I stay on their butt, it could take a year or years for them to get it all sorted. The current case worker wants to help but like all of them, she's green. So I may have to call my congressman for the first time in my life but I'm not going to let this little boy be bandied about by incompetent bureaucrats!
And lastly, the lawsuit filed against me (horse kicked someone) is progressing. My lawyer has submitted a "general denial" on the claim and I don't know what happens next. Allstate is also defending me so I hope I'm covered. Again, what a crock!
I knew all this was going to be hard, but I really thought the hard part would start when I got to Nebraska.
Happily, the horses were shipped to Nebraska a couple of weeks ago and they arrived safely and are adapting well to the new barn and stables. Jacque is enjoying the time she gets to spend with them.
My church friends are so supportive. I've been so mad lately. It's been hard to keep myself in check and not worry about all this. I have to take a deep breath every hour to just relax and let it go back to God. I'd like to go back to that peaceful sleep I was enjoying a few weeks ago. That was short lived!
I've had a few very nice lunches with the "Leavers", those of us leaving Shell. And some with other friends, too. I'm turning into a lady that lunches! It's nice to get together over a great meal and share our plans, secrets and just generally catch up. I have a few more scheduled and they are always bright spots to look for in my week.
So for anyone out there, say a prayer for Mac and I. We need all the help we can get.
Tisa, check the contract for the house. Most are subject to you being able to obtain financing. I hope it all works out for you soon, I can't imagine the stress you're under.
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