I’m not sure how to truly go about this honestly, so let’s start at the beginning. The year is 2008 and the housing market is crazy in the US. I was 21 years old and 5 months pregnant with my son living in a studio apartment with my 2 dogs and 2 cats (my rescues from the shelter I volunteered at), I started house hunting once I knew our full apartment wasn’t going to cut it. I was blessed to be able to close on my dream home (1970 brick ranch with a medium yard and trees!!!) the one I went back to every time and compared every property to for months, I felt like it was home not just a house. It was out of my budget about $15,000. But in 2008 that wasn’t an issue everyone was approved.
It’s 15 years later and even thou a payment has never been missed between the escrow increases and Maintance on an older home. That principal is still up there $102,000. I’m currently working 2 jobs to cover the basics and have the extras needed for kiddos unfortunately that leaves nothing extra to save or put towards paying our home off. I can’t afford to be sick or not take on every extra available hour offered, the mental weight of what happens if I fall leaves me up at night scared. I just feel like I’m treading water, it’s lapping at my mouth ready to eclipse me any moment. I ask myself daily how can I make the budget work better. What necessity can I trim down even more. I am happy to go without but I don’t want my family to suffer because I wasn’t financially savvy. I know that my mental state of constant worry is making them suffer.
I understand that everyone’s circumstances are different, and any support you can provide, no matter the size, will make a significant impact on helping lift this weight from my shoulders. I dream of a day when I can go to the grocery store and not have to check my bank account to make sure I have enough to cover what is in my cart. That my home is my own and no matter what we have a place to rest and be safe. The cost of peace of mind and a settled soul, is why I’ve stopped wishing for more hours to make it work and have come asking for help.