Anonymous wrote:Anonymous wrote:
Mortgage payment is $2100. My kids need their own rooms.
"Own rooms" is a want, not a need.
I grew up sharing a room with either one or two siblings for most of my childhood; I was not scarred by it. I only got my own room after my oldest sibling moved out of the house.
Your money problems are rooted in your thinking. Baking bread (something that is super-cheap to buy) is not going to make the difference; questioning and revising your preconceived notions might.
Anonymous wrote:NP here. Her mortgage is $2100/mo. She'll never be able to rent a decent place for that amount. Something else has to give in this situation. OP, I get the camp/childcare thing. It may have to be something you ride out until you become free of the binds of childcare. To commiserate, we also have to charge camp on our credit cards. We usually pay it off by the end of the summer but it's hard. I think people are imagining fancy camps on lush campuses when we're only really talking about day camps in the county rec center (glorified daycare). Just keep chugging away at it OP.
Anonymous wrote:Anonymous wrote:
Sell the expensive cars - even at a few thousand dollar loss - and replace them with ultra-cheap used cars. Drive those cars until they die.
Sell the expensive house and get one you can afford.
Sell the expensive junk that led to the overly high credit card balances.
No one but a financial idiot or a drug addict should have any trouble getting by on $155,000 a year anywhere in this country.
Cannot sell my 8 year old car. A cheap and reliable car will cost the same.
Cannot sell the house. I am upside down on the mortgage, cannot even refinance. My interest rate is 4.75
I do not own expensive junk. Just some camping equipment, those do not sell for much on craigslist.
Kids will have to do summer camp this year. I will have to charge it on the credit card.
Another kid has braces, but I got a good deal. In 10 months time that monthly payment will be gone. I am paying for glasses, dermatologist and doctors as well.
Mortgage payment is $2100. My kids need their own rooms. I cannot move the family into the city ghetto. That place scares me, and I am not "city" like enough to be able to live in gang land.
But I suppose it could be worse. So if you have some tips, tell us. So far I bake my own bread, never do take out or restaurants. Do not shop, except to buy the kids what they need
Anonymous wrote:
Mortgage payment is $2100. My kids need their own rooms.
Anonymous wrote:
Sell the expensive cars - even at a few thousand dollar loss - and replace them with ultra-cheap used cars. Drive those cars until they die.
Sell the expensive house and get one you can afford.
Sell the expensive junk that led to the overly high credit card balances.
No one but a financial idiot or a drug addict should have any trouble getting by on $155,000 a year anywhere in this country.
Anonymous wrote:Take out a home equity line of credit. Pay off the cars with that and you will have a lower interest rate for the cars AND more time to pay them off with lower payments.
Anonymous wrote:It's tough to make it around here on 150k the largest expense is mortgage when the average decent home is over 600k.
Anonymous wrote:It's tough to make it around here on 150k the largest expense is mortgage when the average decent home is over 600k.