I have been working hard to try to figure out how I am going to pay off my debt. It seems that everyone I talk to just tells me to do balance transfers and put the money on a new card. Unfortunately it’s a little late for that as all of my credit card debt is in collection accounts. Yes my debt is that bad, that is what happens when you lose your job and can’t find one for over a year, twice!

I’m slowly working on it, but it’s just not happening fast enough. I was thinking I might try to take a loan out on my car, but I don’t know if I want another company checking my credit, since that brings down your score too. I hate that, why can’t they give you a few free ones? Someone who is trying to get a loan or a credit card to help build their credit is just screwed and gets a credit score that is even worse. Really I think the scores favor the rich who have money, not the ones that need the credit.

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I know getting a mortgage takes a while. But I really want this house and I don’t even know if I’m approved for anything. I got a number for a lady from a friend and called yesterday. I’m hoping she calls today. I guess I’m still just worried someone is going to take it and I’ll lose. I’m thinking though I may try to get the loan as an investment loan. I don’t plan on living there for more then 2 years and I’m open to renting it. I’m still not sure if that will help me any though. The Realtor thinks it might.

I guess I’m just impatient. I didn’t think I would find one I liked this quick or one that would be this close to a friend of mine who is closing on her house this coming week. She’s right across the street from this house. So it would be perfect for me and for when I rent. It just seems that whenever I want something like this I can’t have it. I’m really getting tired of it, but hopefully this will work out.

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I’m still hoping to move by the end of summer and I thought maybe I should look to see if I can find a cheep home to buy. I checked out a few that were in foreclosure and there was one that would be perfect. I just don’t think that I could get a loan for it as I intend to move next June again since I hope to have a job somewhere. I just think it would be nice to get a home and fix it up. I could take pictures of the before and after and go from there. My little sisters are going to be doing this and they have a lot of work to do as they are turning a 2 unit home into a single family. I would just be updating and maybe taking down a wall depending on the layout.

I just don’t think I can do it as my credit is not good and I am self employed and only make around 800 a month. I can wish though right?

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Not only am I moving my my sisters are still on a hunt for a new home themselves. They thought have hit a snag. They have to find a new Mortgage Lender since they now also have to have a lawyer involved since the two buying the home are not married or related to each other in any way. This makes sense to me since any of the 4 could walk away at any time and leave the rest of them screwed. The two boys could also sell the home out from under my sisters if they wanted to also, that there is still nothing they can do about as they will have no owning interest in the home.

I tried to tell them there would be a lot more to it then just walking into a bank and getting a loan. They also now have to come up with a down payment since they are switching lenders. They didn’t need one before because of the bank they were using. I think some of this also has to do with a crackdown on bad lending practices and the mortgage mess. At least things are changing even if it makes it harder for them. I look at it this way, if they can’t afford it they probably won’t be able to do it now, a good thing being thats what brought on this whole mess in the first place, people couldn’t actually afford what they were buying.

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It looks like I’m not going to be able to get as new of a car as I would like. Though I did find a 2000 that is in my price range, the mileage on it is more then my old car which is 3 years older. I may end up getting it if it runs well. My sisters boyfriend is going to take a look at it.

Prices on these cars have gone crazy. I wish I could get a loan to get something better, but my credit still stinks and will for a while. Unless I can get a credit card within the next few months. I figure though when it comes to a car right now as long as it runs and will get me from point a to point b without breaking down I’m good. Thats one reason I wanted a newer car. I have to drive 3 hours to school each day. I’m going to look at a few more places today or tomorrow and see what I can find, if nothing the 2000 is all I can get, it only has to last a year so it should be okay.

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