Viewing 0 reply threads
  • Author
    Posts
    • #239388
      Avatar for LissLiss
      Keymaster

      Re: Any ideas welcome

      You need to get the house tested for black mold. It’s most likely
      the culprit, and cleaning the carpets won’t fix it. If the house has
      it, you’ll have to move again, or the owner will need to work on
      getting it removed ASAP.

      It’s linked to many health problems, and
      may not be visable. It grows wickedly fast, and can be under the
      carpet in the subfloor, in the walls, in the drywall, in the pipes,
      etc.

      Get the house tested, immediatly. That many health problems with no
      discernable cause is cause for alarm, especially when people who are
      in the house for a longer period are the ones who are more
      suseptible to being sick. Another thing- have you ever seen mice
      droppings anywhere in the home?

      Mice droppings and urine can come
      into contact with food, skin, etc, and make people ill quite easily.
      If you ever see it, report it immediatly to your land lord and ask
      for an extirminator.

      As for money problems, well, it takes a while to get sorted out.
      Have you considered getting a job when your husband is home, so you
      don’t have to pay for day care? If you can do that, then the cost is
      not as high. You could work fewer hours and still come out ahead
      because you won’t be paying daycare costs.

      An in home sitter is
      usually cheaper than daycare as well, so that is another option.

      You don’t sound to me like you are in the position to be looking at
      buying a house. If it’s hard enough to make ends meet now, it won’t
      be easier with a home. You’ll have a house payment, taxes, repairs,
      insurance, etc, and in the begining, it’s usually much higher than
      the cost to rent.

      If you are a 1 income family which is considered low income, I would
      say your best bet would be to get into subsidized housing, so that
      you are more easily able to set money aside each month for when you
      are ready to make a down payment on a house.

      Subsidized housing is required to meet certain health code statures,
      meaning you very likely won’t be dealing with a condemned or mold
      infested home. Subsidized housing is 30% of your income, with a base
      set depending on the cost of the apartments.

      I know apartment living isn’t ideal, but if you can cut your monthly
      costs for a year, you’ll have a nest egg set up that can grow much
      more quickly for buying a house. If you can tough it out for 2 years
      in an apartment paying less than you do already, and set the extra
      aside (say you pay $750 now, and get an apartment on HUD for $450 a
      month, you’d set aside $300 a month) in a seperate banking account,
      then it would grow. Based on saving $300 a month for 2 years, you
      would have $7,200 set aside, before what you gain in interest.

      On top of that, if you get a part time job making $6.50 an hour, and
      can do it during a time when your husband can watch the kids, you
      would be making an extra $130 a week, before taxes are cut out.
      Let’s say you bring home $100 a week, take home on that. Set aside
      $25 per check to be put into your savings, which is $100 a month
      more saved. Now with $400 a month, you’ll have $9600 set aside in 2
      years time, before interest. That’s a down payment on a house of
      your own.

      It’s tough, and it takes a lot of cutting back and hard work, and
      maybe some cramped living quarters, but it can be tremendously
      helpful when the reward pays out in the form of a new house. Plus,
      you’re already setting aside an extra $400 a month into savings
      based on that, so you’ll be in a position to just turn that set
      aside money into your house payment, and extra costs each month.

      I hope that hlpes you out a bit.

Viewing 0 reply threads
  • You must be logged in to reply to this topic.