Spent a lot of today talking to various clients and potential clients trying to get them to pay me deposits for work now, or at least make commitments. It's hard to get people to move when YOU want them to.
Got a call from the mortgage company, if I don't pay one of the past due payments by the 31st they will put me into the 'foreclosure' group. It isn't the end of the world because I can still pay after that date and hold them off but it adds to the pressure. They did say that if congress passes this 'mortgage relief' bill that the lenders will lower our payments for some period of time, possibly by 1/2 or more. But we have to be less that 30 days past due.
Around here the market has been very very bad. Something like 700 foreclosures in 2007. And as I have been trying to say, IF I sell the house I better have an income that will support me in paying rent for another house, which oddly enough is almost the same as the MORTGAGE. So, what would I really save if I sell? Maybe about $1,000 a month. Our mortgage is $2,700, a typical 3 bedroom house is $2,000 rent. Even a 3 bedroom condo is in the $1,800 range. We have two dogs which makes it harder to find anything. Plus I'd lose the tax deduction if I rent. Keeping the house is a logical choice but it's going to be hard. Especially after W leaves and I don't have any of her income ($2k per month if she has a good month).
If W is lucky, she can afford a 1 bedroom apt but not much else.
I need TIME to rebuild my self, my business, my strength. Keeping the house and cutting back on other things is, right now, the only good choice GIVEN the fact that I know that my W will NOT be able to support the kids. It takes a good 3-4 months to foreclose a house, and if I keep making sporadic payments the mortgage company will keep putting it off because they do NOT want to foreclose houses.
I just need time to rebuild myself. Just some time.
My partner in one of my businesses and I had a call with a potential buyer who will have to pay me a monthly fee to maintain the software and infrastructure if he does buy our company.
It went really well, he was impressed with the software I had created to manage all this infrastructure and I'm hopeful he will come through with a purchase.
Still, that will take a month or so. I so wish I had a supportive wife instead of what I do have right now. It isn't the lack of money, it's the lack of having a partner that hurts the most.
W is starting to get more and more pissy with me. She came into my office to tell me 'dinner is ready' (she usually calls on the intercom). I turned and smiled, said in a neutral but (I thought) friendly tone 'ok, thanks'.
She then mocks me with an "ok BYE" in a tone of voice that can be described as 'rude'. So I looked at her and said "what's that about?" and she said "Well I was just showing you how you are talking to me". Hmm. So I said "Sorry, THANK YOU for making dinner" and smiled at her. She said "You're welcome" and left.
I guess I'm just not nice enough to her. But wait, isn't she divorcing me? Isn't she 'done' and 'tired of being a wife'?
Go figure. FaithIsBelieving and others have said that as you detach and stop giving them the attention they seem to require, they get meaner. How fun.
