Reply to Pre-foreclosure next door- how scared should we be?

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[quote=Anonymous][quote=Anonymous]Oh, my.  Good luck.  I am really starting to worry about the market again; a house similar to mine in my neighborhood recently sold for about $125K above what I paid for mine in 2010; the family has been there four months and has no blinds or curtains up, which just strikes me as intensely weird when you live on a crowded city block. The one time I walked by and they had their door open, I noticed they have no furniture in their either.  Like, nothing but a sofa and a flat screen TV in the living room.  Now I am concerned that people are being offered and approved for loans they can't really afford again.  Yikes.[/quote]

ok, let's hear my side of the story. we are the family with no blinds. we moved from a small 2bd apt (rental) to our first and forever home, a 3bd house back in 2010. when we came to DC years ago, we came with only suitcases thinking we were staying for a year or two. thus, we rented small place and bought a few Ikea pieces to furnish the place.  after 10 years and three moves, our furniture was in such bad shape that we just took it to the damp when we moved into out new house. we moved with mattresses on the floor, a junky sofa, the dinner table and chairs. with two FT jobs and two little kids, there is no much time to make a plan to furnish an entire house, especially if you are decor-challenged like me and get confused by the billions of ideas at apartment therapy or houzz. I want decent stuff that will last a long time, so we want to have  a coherent plan before we buy something. and buying furniture for an entire house all at once is expensive. the courtains/blinds  are the stuff you usually select after you have a basic furnishing and color scheme, so they should be last and not first. we did the bedrooms first (can't stay with clothes on the floor), and we finished furnishing the dining room last year (although there are no shades at the windows), and we just put shades in the living room, which we may finally do this year, especially since our youngest is turning 4, so we are finally planning to make the room into a living room and not a playroom. with work and kids, our social life has not been very active anyway. our mortgage + RE taxes is about 1/3 of the net income we bring in every month, our credit score is stellare and we are in relatively dafe jobs, so we can definitely afford our home. there are a lot of reasons why people may take a long time to furnish their homes[/quote]

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