So I've decided what to do about my recent stickiness:
1) Staying in my house. It's going to be a bit scary...this neighborhood isn't the greatest. When my ex moves out, so does his truck and his dog...both good deterrents. But the upsides are that I do have a monitored alarm system and once the garage is finally clear, I'll be able to park in there!
2) Not using the $20k to pay down the home equity loan. Either I need to completely get rid of that monthly payment, or just keep slowly chipping at it.
I got the first "installment" of the gift, $5k. Put in a transfer of $2k to give my ING a boost. I'll stop building it up once it hits $10k. Should take just a few more months. Once that's done, I'll stop the monthly transfer of $100.
So between that, also getting out of my work's ESP Plan, removing the ex from my health insurance, downgrading garbage, satellite TV and my gym, in a few months my income should be up about $100/mo, and expenses down around $160/mo. That should help a bit. I'm still very worried.
I have a lot that needs to get done around here. Need an electrician to install ceiling fans and install another motion detector light outside. Also, just had a landscaper out to give me an estimate on building the fence, and finishing up priming the flowerbeds...they are currently mostly clay and rock...very hard...there's no way I can dig it up myself. These things need to get done if I'm to improve the value of this house at all...right now it's just bare dirt and weeds. Also, I will feel better about living here.
Ah!!!!!!!!!!!!
Calming Down.
October 23rd, 2007 at 02:11 am
October 23rd, 2007 at 03:45 am 1193111118
October 23rd, 2007 at 04:07 am 1193112451
As far as the home improvements go, do the motion detector light first. Not only is it probably the cheapest, it will also provide a level of security and comfort now that you are living alone.
Good luck!