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-

You’ve Got To Know When To Hold ‘Em Know When To Fold ‘Em Know When To Walk Away And Know When To Run

So the house deal fell through. Which for me, isn’t the worst thing. Once we got our hands on the Condo documents, we noticed that there was no reserve fund AT ALL. So instead of the board planning in advance for things that will eventually need to be replaced, and accruing the money for it through strata/condo fees, apparently if for example all the roofs in the complex needed to be replaced (like they did 2 years ago) they would in essence do a big cash call at that time. Making all the owners cough up an additional however much per month to “raise’ the money and then make the repairs. We talked to one owner who said in the last 4 years they’ve paid close to an additional $60,000.00 on extra fees to cover renovation expenses,on top of the monthly strata/condo fees.

No thanks. I’m not moving into a place that has no idea how to plan in advance. Plus who knows how much else could go wrong in the next however many years that I could potentially have to contribute towards. I’m not interested.

Which is fine with me. Because I didn’t have my heart set on this house in the first place. Would it have been doable? Of course. A few coats of paint and some updated lights and it would’ve been fine. But now that it’s out of the picture I feel no sense of loss. In fact I even emailed my real estate agent this morning after I heard the news to see how the original one that I DO love is doing. He says the offer is still pending and it looks strong so that sucks, but he said he would keep an eye on it for me.

I guess the age-old saying still stands.

It ain’t over til it’s over. But man I just want it to be over.


-Kenny Rogers/The Gambler-