UNTIL YOU BREAK UP!!!
OK not to worry me and younger guy are F-A-B-U-L-O-U-S! Sorry didn't mean to scare you but the statement is true. I am referring to my previous long term thang that ended in...well lets just say that ended.
If you don't know...now you know! Hahaha sorry, I am in a goofy mood...I think its lack of sleep. Anyways if you don't know I am currently living with my "Ex Fiance". Most people would not consider us ever engaged but he did ask me to marry him and he did buy a ring...I just never wore it :P. But you see back in the day we thought we were going to be getting married so we made the DUMBEST decision on earth...we bought a house together!!! OK don't get me wrong, at the time it seemed like a smart idea and we got a really good deal on the house. But now that we are going our separate ways we are...STUCK! No lie...there is no easy way out of this.
At first, everyone is like just sell it...sounds easy enough but when you live in an economy where the housing market tanked its not so simple. PLUS 2 years ago...almost to the day a pipe busted in the hallway. All of the flooring in the hall, living and kitchen needs to be replaced and 2 walls need to be repaired. NONE of this has been completed...well he did 1/2 a wall...$8000 from the Insurance company and nada...just got the pipe fixed...and its driving me UP A WALL. Plus its been through 3 major hurricanes since we bought it so the back doors are a little warped/rotted and need replacing and all the rooms need re-painting and the carpet really should be removed. So you tell me how the HELL are we going to sell a house in a barely recovering market that needs that much work without taking a loss. I'll answer for you...NOT GOING TO HAPPEN!
After that is explained everyone says "well just have him buy you out." Also not as easy as it sounds. For him to "buy me out" he would 1st have to have the house appraised, which would suck for me because its not in tip top shape and that wont happen because it would be reporting to the insurance company and we could get in trouble for not making the repairs they already paid us for. Then he would have to refinance...which would suck for him because although he has great credit its one income vs. two....meaning a higher interest rate. So again...NOT GOING TO HAPPEN.
So then they say "well just move out and let him deal with it". Seriously people think about this for just a second. He has been irresponsible enough to NOT do the repairs paid for by insurance and my name is on the Mortgage WITH his. It is 1/2 mine. Why on God's green earth would I leave my asset in his hands. I can hope he'd do the right thing and fix it and repair it and sell it but I do not have faith that he will actually do that in a timely manner. Also I can't just move out. Most rental properties are running credit checks now for new tenants. OK my credit is really really good for someone my age...probably because of the house. BUT when a potential landlord is looking at my report he will see a MORTGAGE with a $900 monthly note. Evidently this is a HUGE red flag for them. Because then the look at your monthly income and say there is NO WAY this chick can pay me and keep her house out of foreclosure. How do I know this you may ask...because I have tired. Not numerous times but a handful and the result was the same. I could not "explain" my way out of it. They DENIED me!
So my only saving grace would be to find someone renting a room OR their own house but even they can do a credit check (maybe not as detailed) if they want to because of the nature of the transaction. How do I know this...because my family did it on the girl renting my grandmothers house...and they know their tenant...since birth!
So I am stuck...in a house...with my ex...until further notice. I hate this! Why am I griping about it now, you may ask. Well because I am in a kinda serious relationship with younger guy. I like seeing him...ALOT. So I am not home alot lately. I take care of my pups and I leave. My roomie is not always there so I was going to ask him about re-vamping our 'agreement' about no house guests. Well before I could, he came talk to me Sunday night. He thinks I am taking advantage of him by not being there. And that its 'obvious' I am in a relationship. Blah blah blah. So I explained, I am never there bc I am not allowed guests. He said he doesn't care if the girls come over now. I was like that does me a little good but not really. I tried to get him to see things from my point of view but he just couldn't do it. He was like "well I am not looking for a relationship because its hard with us living together". I told him I wasn't looking either and that I had sworn off men right before I met my guy...these things just happen. We never really resolved it. If he is not there I do not see the big deal...he doesn't even have to 'know'....just like I really don't care... just don't have some floozy in MY house while I am trying to watch TV, etc and don't touch my stuff. NORMAL Roommate etiquette. I guess that's all I am just very frustrated because I have a house, and I cannot have guests because I live with my Ex and have no other feasible option. This SUCKS!
So then they say "well just move out and let him deal with it". Seriously people think about this for just a second. He has been irresponsible enough to NOT do the repairs paid for by insurance and my name is on the Mortgage WITH his. It is 1/2 mine. Why on God's green earth would I leave my asset in his hands. I can hope he'd do the right thing and fix it and repair it and sell it but I do not have faith that he will actually do that in a timely manner. Also I can't just move out. Most rental properties are running credit checks now for new tenants. OK my credit is really really good for someone my age...probably because of the house. BUT when a potential landlord is looking at my report he will see a MORTGAGE with a $900 monthly note. Evidently this is a HUGE red flag for them. Because then the look at your monthly income and say there is NO WAY this chick can pay me and keep her house out of foreclosure. How do I know this you may ask...because I have tired. Not numerous times but a handful and the result was the same. I could not "explain" my way out of it. They DENIED me!
So my only saving grace would be to find someone renting a room OR their own house but even they can do a credit check (maybe not as detailed) if they want to because of the nature of the transaction. How do I know this...because my family did it on the girl renting my grandmothers house...and they know their tenant...since birth!
So I am stuck...in a house...with my ex...until further notice. I hate this! Why am I griping about it now, you may ask. Well because I am in a kinda serious relationship with younger guy. I like seeing him...ALOT. So I am not home alot lately. I take care of my pups and I leave. My roomie is not always there so I was going to ask him about re-vamping our 'agreement' about no house guests. Well before I could, he came talk to me Sunday night. He thinks I am taking advantage of him by not being there. And that its 'obvious' I am in a relationship. Blah blah blah. So I explained, I am never there bc I am not allowed guests. He said he doesn't care if the girls come over now. I was like that does me a little good but not really. I tried to get him to see things from my point of view but he just couldn't do it. He was like "well I am not looking for a relationship because its hard with us living together". I told him I wasn't looking either and that I had sworn off men right before I met my guy...these things just happen. We never really resolved it. If he is not there I do not see the big deal...he doesn't even have to 'know'....just like I really don't care... just don't have some floozy in MY house while I am trying to watch TV, etc and don't touch my stuff. NORMAL Roommate etiquette. I guess that's all I am just very frustrated because I have a house, and I cannot have guests because I live with my Ex and have no other feasible option. This SUCKS!
