I feel like I only post on here to complain...
maybe?
I'm so stressed out right now.
I don't know if any of you will recall this from my deranged ranting a year and a half ago, but when daddy died he left a lot of credit card debt. We haven't really been doing anything about it, because there's really nothing that can be done. We don't have the money to pay it off, and they can't make us because the debt isn't ours. (Keep in mind, "we" = "I") Except for this one thing. Daddy's Shell gasoline card. My name was on the account. Daddy put my name on it when I was 5 to build my credit. I didn't use the card. None of the debt on that card was mine. When I called to cancel the card, the customer service rep told me not to worry about the balance. SO I didn't. But I should have.
You see, that overdue balance is now showing up on my credit report. My credit score dropped 150pts over the course of a year and a half. I can't get a loan to buy the condo now; at least, not one I can afford. So, I've spend the morning drafting letters to Shell and the 3 credit bureaus with the hope that this can be removed from my credit report without me having to pay off the balance and essentially accept blame for the overdue payment. Ugh.
On top of all this, my mom is trying to completely fuck me over with the condo. I still plan to move in, and just continue paying off daddy's mortgage, the way I have been the past year and a half, until my credit is back to normal and I can buy it for myself. This presents one minor problem. I need to buy out my sister for her share, roughly 9500$. We had agreed to sell it to Marcell at 89,500$, which would give me and resa just over 9000 each. So I thought it would be fair if I bought it and just gave her the same amount she would have gotten had the original deal gone through. That way no one is out anything. Obviously, if I can't refinance and put the mortgage in my name, there's no way I can buy resa out. At least, not right now. I know it's unfair to make her wait a few extra months to get her money, but if we could give Marcell (a stranger) a 6 month extension like we did in November, then I think I should be able to get one too.
Anyway, my mom decided it would be a better idea if she went ahead and bought resa out now and assumed control of half of the condo. so, instead of me and resa being joint owners, it would be me and mom. this has some advantages; i could potentially make mom handle all the legal shit that i hate dealing with. however, the catch is that if my mom does that, she wants me to buy her out for half of the fair market value when I am able to buy it.
fair market value = 100,000$
this is 10000$ MORE than what I would be splitting with resa. I would be out $5k. My mom is trying to scam $5000 out of me.
its a great deal for resa, she gets her money now. it's a great deal for my mom, b/c she get's 5000$ for doing absolutely nothing (well... I guess she is doing something... she's giving resa a loan essentially, only resa doesnt pay her back, I DO.)
that $5k would be coming directly out of MY pocket. and frankly, i don't see how that's fair. at all. and i'm so mad.
she's trying to say that she's the one taking a risk, b/c the market is fluctuating and the property value might decrease. daddy bought the condo in 1997 for $60k. it's now worth 100k. if it's almost doubled in value in 10 years, i highly doubt that it's going to suddenly plummet in the next 6 months. i don't know why my mother thinks i'm such a fucking idiot.
and while i'm trying so hard to like my new job, i just can't. it's awful. it's so overwhelmingly stressful, i just can't handle it. and i hate that. i hate that it was practically my dream job, and i've been at it for 3 weeks and i just can't handle it. i feel like such a failure. and i'm so incredibly broke and depressed. i asked Brooks to see if he could get me a raise so i could go back to BHV full time... he offered me one if i would stay on, before i started the new job. i should have taken it then. i thought this job would be so wonderful. i can't even go into all the politics and drama and bullshit that's involved. ugh...
i've been applying to jobs online through ajcjobs.com, but i'm not optimistic. i know that i could do an office job, and do it well, but i dont think i look that desirable to potential employers. my resume is full of waitressing jobs and barking hound. the only thing i have going for me is stability, since i've never held a job for less than a year, and customer service skills. but most people have that i think. le sigh...
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ok. enough bitching. happy thoughts....
i'm going to florida today. Brian and I are accompanying cousin Jeff to the house in Ft Lauderdale. it will be a short trip, but a much needed one. i will not be bringing my phone, and i think that will make things a lot more enjoyable. i aim to return with a sunburn and a new positive outlook. so i suppose i had better get to packing. love love.
I'm so stressed out right now.
I don't know if any of you will recall this from my deranged ranting a year and a half ago, but when daddy died he left a lot of credit card debt. We haven't really been doing anything about it, because there's really nothing that can be done. We don't have the money to pay it off, and they can't make us because the debt isn't ours. (Keep in mind, "we" = "I") Except for this one thing. Daddy's Shell gasoline card. My name was on the account. Daddy put my name on it when I was 5 to build my credit. I didn't use the card. None of the debt on that card was mine. When I called to cancel the card, the customer service rep told me not to worry about the balance. SO I didn't. But I should have.
You see, that overdue balance is now showing up on my credit report. My credit score dropped 150pts over the course of a year and a half. I can't get a loan to buy the condo now; at least, not one I can afford. So, I've spend the morning drafting letters to Shell and the 3 credit bureaus with the hope that this can be removed from my credit report without me having to pay off the balance and essentially accept blame for the overdue payment. Ugh.
On top of all this, my mom is trying to completely fuck me over with the condo. I still plan to move in, and just continue paying off daddy's mortgage, the way I have been the past year and a half, until my credit is back to normal and I can buy it for myself. This presents one minor problem. I need to buy out my sister for her share, roughly 9500$. We had agreed to sell it to Marcell at 89,500$, which would give me and resa just over 9000 each. So I thought it would be fair if I bought it and just gave her the same amount she would have gotten had the original deal gone through. That way no one is out anything. Obviously, if I can't refinance and put the mortgage in my name, there's no way I can buy resa out. At least, not right now. I know it's unfair to make her wait a few extra months to get her money, but if we could give Marcell (a stranger) a 6 month extension like we did in November, then I think I should be able to get one too.
Anyway, my mom decided it would be a better idea if she went ahead and bought resa out now and assumed control of half of the condo. so, instead of me and resa being joint owners, it would be me and mom. this has some advantages; i could potentially make mom handle all the legal shit that i hate dealing with. however, the catch is that if my mom does that, she wants me to buy her out for half of the fair market value when I am able to buy it.
fair market value = 100,000$
this is 10000$ MORE than what I would be splitting with resa. I would be out $5k. My mom is trying to scam $5000 out of me.
its a great deal for resa, she gets her money now. it's a great deal for my mom, b/c she get's 5000$ for doing absolutely nothing (well... I guess she is doing something... she's giving resa a loan essentially, only resa doesnt pay her back, I DO.)
that $5k would be coming directly out of MY pocket. and frankly, i don't see how that's fair. at all. and i'm so mad.
she's trying to say that she's the one taking a risk, b/c the market is fluctuating and the property value might decrease. daddy bought the condo in 1997 for $60k. it's now worth 100k. if it's almost doubled in value in 10 years, i highly doubt that it's going to suddenly plummet in the next 6 months. i don't know why my mother thinks i'm such a fucking idiot.
and while i'm trying so hard to like my new job, i just can't. it's awful. it's so overwhelmingly stressful, i just can't handle it. and i hate that. i hate that it was practically my dream job, and i've been at it for 3 weeks and i just can't handle it. i feel like such a failure. and i'm so incredibly broke and depressed. i asked Brooks to see if he could get me a raise so i could go back to BHV full time... he offered me one if i would stay on, before i started the new job. i should have taken it then. i thought this job would be so wonderful. i can't even go into all the politics and drama and bullshit that's involved. ugh...
i've been applying to jobs online through ajcjobs.com, but i'm not optimistic. i know that i could do an office job, and do it well, but i dont think i look that desirable to potential employers. my resume is full of waitressing jobs and barking hound. the only thing i have going for me is stability, since i've never held a job for less than a year, and customer service skills. but most people have that i think. le sigh...
--------------------------------------------------------------------------
ok. enough bitching. happy thoughts....
i'm going to florida today. Brian and I are accompanying cousin Jeff to the house in Ft Lauderdale. it will be a short trip, but a much needed one. i will not be bringing my phone, and i think that will make things a lot more enjoyable. i aim to return with a sunburn and a new positive outlook. so i suppose i had better get to packing. love love.