Jan 19, 2013 - 5:15 pm
Sorry I haven't been posting much lately or joining conversations. I have been reading people's posts, but I just haven't had it in me to reply. My life is so complicated and I often find myself just surviving the days. David hasn't made a whole lot of progress, which leaves me doing all the chores and paying bills. He requires so much asssistance, but I am still glad I brought him home. My biggest challenge is finding time I can sleep without worrying about missing something with him. Having to put wood on the fire all the time is also a pain. Especially since I have allergies and wood fires make me sick. So you can imagine since I have to go outside and get the wood and put it in the fireplace I am paying for it. I wish we had the basement furnace fixed so that the fireplace would be supplemental, not the source of heat in the house. David sleeps downstairs by the fire so it is important that I don't let it go out. The upstairs portion of the house has gas heat and I keep it at a cool 68, which feels great to me at night when I am sleeping. We chose not to have the furnace fixed as it was going to cost $2500 and we aren't sure about the status of the house. Of course Wells' Fargo has driven me absolutely batty. We applied for a loan modification, but what we got was a forebearance for six months to let David look for work. The payment is not much less than the initial mortgage. They said after six months he could reapply for a loan modification and may get the 2% rate. That is what we thought we were applying for in the first place. That rate would substantially lower our payment and make it more comfortable to live here. Instead now if he isn't here in six months I am screwed. My name is not on the loan and although I have no real interest in the house, Wells Fargo will most likely go after me when the estate is settled. I would live in the house with the 2% rate, but there is no way I can pay what they are asking. As it is it looks like I will have to cash out my retirement. I have to pay 20,000 this year in Cobra, I have 660 in child support a month through May, my daughter's car and my car. If I take out my retirement I could pay all of those and the six months of house payments. I don't really know of any other way to make it. I am sorry for unloading on everyone, I am just tired of it raining on me.