Wednesday, April 1, 2015

I'm currently losing my sh!t

We didn't get the house.  They decided to sell to friends of theirs who were interested.  I'm not even sure why they bothered with a bidding war, unless they just wanted to piss people off for no reason.  I'm getting ridiculously discouraged.

We got our inspection report yesterday.  The buyer is asking for all kinds of stuff to be fixed.  We will be saying no to most of it, but one of the items will need to be taken care of in order for the buyer to get her FHA loan.  The estimate from her inspector (who is also a contractor I guess?) seemed insanely high.  I don't see how I'll have the time to get other bids, and I don't even know where to start with that.  But we don't have the money to have it fixed right now, unless we just put it on the credit card, which will bring us so much closer to maxing it out and probably ruining our chances of getting a decent interest rate on a new loan for a house.

Speaking of which, my husband then asked if we don't have the money to fix the house, how do we have money for IVF?  That's a good point.  We don't.  I was hoping that after we sold the house and paid off our bills (which are climbing exponentially at this point between the multiple trips to the emergency vet and constantly making repairs on the house), we would have some money left over and could supplement it with borrowing from our line of credit at the bank and/or using a credit card (not my preferred option, but there you go).  Of course, this all assumes that the sale of our house actually happens (I'm not convinced it will anymore, considering what we're planning to say no to) and we actually find another house to buy.  My husband thinks we should put IVF on hold indefinitely.  Considering I'm 4.5 months away from 37, I'm not convinced it's a good idea, but I honestly don't see how we can pay for it.  I emailed my RE last night asking what my latest AMH level was.  I had it done twice last year at two different labs, about 3 months apart (give or take) and it dropped dramatically in those three months.  I'm worried it may be down to nothing now, which will help us figure out what to do.

Speaking of buying another house.  I'm getting to the point where I don't want to move.  The idea was that we would move to a smaller city that's a bit farther away from work, but isn't in a direction where there is a lot of traffic.  We would be closer to our families, but we don't know anyone in that town.  We were hoping we would be able to afford a 3 or 4 bedroom house, so we would have room for kid(s), and hopefully a decent size yard.

I'm now realizing that 1) We probably can't afford a 3 or 4 bedroom house unless we seriously compromise on everything else about the house (size of the yard, crappiness of the house), 2) I'm not sure why we would want to trade our super-nice house with our great big yard for a crappier house that will give us more room for kids if doing so will make it impossible to have those kids, since they're going to cost at least $15,000 each, 3) It will take me farther away from everything I care about.  Not that I ever spend time on anything I care about anymore anyway.

I'm thinking perhaps my husband and I can both get second jobs to help finance the IVF.  I'm not sure what else to do.  Considering how much student debt I have, I just don't feel comfortable taking on a lot more debt (my student debt is not the biggest amount I've ever heard of, but it's still really, really big.  Kids: don't go to graduate school unless your chosen field pays REALLY well.  And even then, think about it for a few years first).

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