I Got One, Two, Three, Four, Five, Six, Seven, Eight M’s In My Bank Account/ I Ain’t No Sucker, I Ain’t Cut For No Action

I had a realtor visit my place this past Friday to go through and see the place. He then did up some comparables in the area to send me an evaluation yesterday on what he thinks my place is worth, and what I should list it at if I want it to sell. Let’s just say the results were less than impressive. Almost depressing to be frank.

If I list it at what he says it’s worth… I most likely won’t even pay off my remaining mortgage, let alone cover realtor fees/lawyer costs etc. So that means I’ll have to dig into what savings I have/had for my down payment to cover those costs, and that’s just annoying.

It also means that most likely, I’ll be putting it up for sale ASAP, hoping to sell it for as much as possible (as everyone selling a house expects) and then moving back into the dreaded parental unit. Just so I can save money for maybe a few months before we move this summer, because the sale will drain every little thing I have left to cover fees etc.

I kinda feel like it’s just another shot I didn’t need taken at me, ya know what I’m sayin’? I just wanted this move to go smoothly without it costing me tens of thousands of dollars more than necessary. I’m trying to do what I think will be best for myself and my kids in the long run, as far as quality of life goes, but common, why does it have to kick me when I’m down. Just give me a break already.

I’ve already committed to the move, so I can’t back out now just because the housing market has taken a turn for the worse and my house it literally worth $15,000+ less than what I paid for it 1.5 years ago. All I’m saying at this point is… I could see why some people would resort to crime or something as a way to try and make large amounts of cash fast. Not me, but some people.

How else do most people who are just trying to live a decent life, get by? I feel I do things “right” the majority of the time. I invest my money wisely, at least as smartly as I know how, since it’s not a subject taught in school. But algebra… Oh, I know that, thanks to a wasted 3 years of the highest level my school offered.

I save for both my kids educations.

I have a retirement fund. (That I’ll have to empty for this move… probably the education accounts as well)

I don’t buy extravagant clothes or jewelry (Apart from my $700 diamond earrings for my birthday this year, which I don’t regret).

I literally shop for clothes in the same store I buy our groceries from.

I don’t spend thousands on make-up or hair. I don’t even spend hundreds on it. I wear $4.99 mascara and maybe BB cream if it’s a special day.

I take my kids out for dinner once a month so they can feel that joy, and to learn “fancy” table manners. And it costs under $40 most times.

I pay all my bills before they are due to avoid interest.

I pay my taxes on time every year.

I don’t have satellite or order pay-per-view.

I use rewards programs to earn free groceries.

I use a bank that has no fees to save money.

I’m a great driver and am aware of photo radar spots to avoid tickets.

I use all things available to me that I’m aware of to save/earn money, but I don’t know how to get anymore ahead of where I already am.

So, tell me. What exactly is the benefit of following all the rules? Of doing it all right. Other than continually being stuck where I am? Why should rich people get richer, and me? I’m doing everything I’m “supposed” to be doing, and I’m struggling. Doesn’t seem right. So I honestly wonder if it would be worth it to consider a well thought out plan to make money in a ‘different way’.

It’s just annoying. and frustrating. Basically it pisses me off.

That all these rules are in place, for what? Because they sure don’t seem to be benefiting me any.


-21 Savage/Bank Account-

8 thoughts on “I Got One, Two, Three, Four, Five, Six, Seven, Eight M’s In My Bank Account/ I Ain’t No Sucker, I Ain’t Cut For No Action

  1. I know it is SO hard to not get discouraged but you are doing everything the right way! I makes me so mad that the rich keep getting richer and the normal people just basically get screwed. But, keep your chin up, things will work well for you! You are smart and very prepared. I wish you the best!
    Also, I wanted to thank you for living my post “What is right for YOU.” I hope you will enjoy some of my other posts. I am looking forward to reading more of your incredible posts!! Sending you love and comfort!!!

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  2. I haven’t read any other articles in your blog yet, but have you considered renting your house out for a while? At least until you aren’t upside down anymore?

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  3. I’m sorry things are hard. We have never had to sell but oh my goodness the hoops we jumped through to get our first home (we have been here a year now).

    Husband works part time as he has a disability, I work two jobs and do self employed stuff on the side. Like you we don’t buy a lot of stuff, pay everything on time, I survey and attend focus groups like someone possessed to use the vouchers for food/birthday gifts/Christmas. We don’t have Netflix or anything like that and we buy clothes at the thrift shop, and shop around for utilities and insurance.

    Even then and with our savings, we still had to have my sister and brother and Husbands sister lend us money, and my parents gave us money, before we were able to even get a mortgage.

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