Moving On

Christmas vacation is over! The kids are back in school today. I enjoyed having them home with me the last two weeks and I am kind of sad. Everyone's adjusting back to going to bed early and waking up early. Somewhat reluctantly, on all our parts, I might add.

Things are coming along in all the other areas of life. Financial Peace University starts tomorrow. I picked up our kit yesterday and I'm really looking forward to it. We have something of a working budget hammered out for now. We're so far behind on the house that for now we've decided we're not paying the mortgage. We are in communications with the mortgage company and have tried several angles to get assistance, to no avail. Right now what we will probably do is wait until they start foreclosure proceedings and then see if we can turn it into a short sale. That will, hopefully, buy us the time we'll need to get everything together to move somewhere else.

"Somewhere else" is looking like it'll probably be North Carolina. I'm open to it and OJ is really interested. We love Boone but employment opportunities are slim... so it'll probably be either Raleigh or Charlotte. He has friends in both cities, and I have a cousin in Raleigh.

On our radar is also Austin, Texas. We have friends there, and OJ's brother lives there. Neither of us have ever been though, and OJ is really not keen on how hot it gets (whereas I LOVE it!).

(And of course, lest we forget, we're probably going to spend about a year in Park City, Utah after I win my beloved HGTV Dream Home.)

It is our hope to visit all of the places on our list sometime this year so we can truly decide on our favorite and start looking for work. And of course, despite which one ends up being the 'favorite', it'll really depend on jobs. OJ's going to try to get a job and stay with friends while he finds us a place to live, I think. We'll just have to see how it all plays out.

I'm still working on the house. Getting lots of stuff purged. Which reminds me, I have a trunk full of stuff I need to bring to Kara, the lady that sells my stuff on ebay. She does an awesome job! She has an ebay store and does online consignment for several people, so she always has a nice variety of merchandise. If anyone is in need of stuff, and wants to help out me, or her, or any of the rest of us local moms that need money, you can find her store here: The Sweet Buy And Buy.

I've also started working on my health a bit more. I had stopped taking everything but the absolute necessary medications while I was having all my stomach trouble last year, and while that hasn't completely cleared up (the endoscopy showed nothing but some inflammation, biopsies of which gave us no information), we're chalking it up to stress/anxiety pain and acid reflux. So I'm easing my way back into my other medicines and vitamins, starting with my metformin, which is causing a little bit of stomach upset but is also bringing my blood sugar down to more acceptable levels, so yay. I'll do most of my health and weight loss blogging over at my blog, The Big Fat Breakup, if anyone wants to follow along.

one of my favorite recent pins. Are you on Pinterest yet? Follow me!

IUD-Day

Had my IUD removed yesterday. My five years were up and it was time. You all know I've been wanting another baby anyway... I'm still in the "yay babies!" boat. OJ is in the "baby in a year or two" boat. I'm putting him in charge of birth control for now.

Is this an ideal time to have a baby? HELL NO. Are there things I want to do to improve our lives before we have a baby? ABSOLUTELY. All the same, would I be thrilled if I got pregnant? You know it!
Life's funny that way. Things tend to work themselves out as they should.

We're working on our finances. Financial Peace University starts next week. We have hard decisions and even harder work ahead of us.

I'm continuing to get the house in order. Purging even more than before since it looks like we'll be moving in the next 6 months - 1.5 years. However we decide is best to approach the house issue, we're going to try to stay here as long as we can to get into the best financial position possible for moving somewhere. Right now we're leaning towards waiting until foreclosure starts and then seeing if we can get into a short sale. We need more information overall though before we really decide.

My health needs work. I need to eat better foods, have lower blood sugar, and exercise more. I should also work on some meditation / stress relief exercises to help with the anxiety. If I get pregnant I won't be able to take my anxiety medications so that's something I'll really need to work on.

Those three things remain my biggest priorities right now.

you can wipe your ass with my damn house

welcome to my life right now.

Aside from starting the day dealing with FECESCAPADE 2.0, it was a relatively normal day. Did lots of laundry, cleaned in the kitchen, cleaned more in Oksana's room (found more hidden pockets of cat pee, and lots more toys that need to be cleaned thanks to that), took care of animals and kids. Talked to OJ about our 2012 budget and wrote out a document that lays out where the money should go from each paycheck. Butted heads a couple times over how to best deal with money. Agreed to start taking the Financial Peace University class that starts next Tuesday. I'm sure we'll butt heads some more, but I think the group support will be good for us.

Right now our financial strategy consists of figuring out which steps would fuck us over the most for the longest, and then taking what appears to be the best path in that minefield. Walk away from the house? Short sell? Declare bankruptcy? Can we declare selective bankruptcy and keep some of our accounts out of it? Just stop paying some of our credit cards and wait until they sell them to collections and settle then? Pay off all the rest of our debt? Keep deferring things like student loans for the rest of our godforsaken lives? Decisions like that, where none of them are any good but some are (I guess) better than others.

I was surprised today when my mother told me that one of my cousins, whom I've always considered very savvy, thinks that the best thing for us is to walk away from our home. I know some of my other relatives think that's the case, but to hear that someone who is wealthy, intelligent and well-informed on a lot of matters like this agrees kind of surprised me. It's still hard for me to wrap my mind around. I mean, I understand that our house is worth about $100,000 less than what we owe on it... and that there's a good chance we'd never even get back to up to amount we owe on it in our lifetimes. But it was a risk we took, an obligation we signed up for, not to mention an emotional investment as well... and it's just hard for me to say 'ok, time to walk away'. Part of it feels right, but a lot of it feels wrong. I hate welshing on obligations and I hate the idea that my decision will make the overall economic climate worse.