We were hoping not to move again until we could buy but the owner is putting the rent up and this house just isnt worth the extra money, our lease is up in 2 months and if we havent found anything we will do a month by month lease...in the mean time seeing what we can find out about buying a home this is what I was told by a company earlier this week

We can lend up to 759k (would not get a house around here that would fit us for that), you will need $85k deposit and 49k in upfront fees....anything over that amount of the house loan you would need to have in savings as well...so if we wanted a house for 800k we would need the extra 51k in savings as well....so just with their figure of 759k we would need a deposit of 134k...tell me how people are buying houses here?

I haven't given up though we will figure something out...but it looks like instead of paying down debt we will be saving to move again 🤬

So we got our car serviced today, they called and said that we needed 2 new tyres and we had a cracked coolant cap, but other than that just a general service so was a little more expensive than we expected but was able to pay for it no problem...its a 2009 car so glad that it is holding up as we dont want to upgrade at all...and it runs great.

Our youngest daughter paid for a family friends lawyer to get his will done as he isnt well off and has a very aggressive cancer, its rare enough that they are using him as a test case because they dont know much about it...and it travels fast within 2 weeks it went from his r shoulder/chest area, to his spine and brain stem..and now is starting to affect his face/arms etc...we are not sure how long he has but he is okay doing extra mri's and they want to try some radiation next week to see if it does anything...but he doesnt have money and has little time so my daughter told him that she had a friend who is a lawyer and she would do it as a favor to her to get his will done. Yes she lied to him as she planned on paying for it but he wouldnt have had it done if he knew so we didnt tell him or anyone...so I gave her some money for it to help her out....have to love generous kids who care for others. Its been a hard year for my mom, her SIL (sisters husband) died end december had funeral in jan, this year then a couple months ago her best friend of 70 years died and she was with her as she wanted her there, and now this family friend who is like a son to her is going to pass soon...I guess she is in that age group of that happening more but its still sad for her.

Anyways its payday next thursday Im hoping to put more on the CC and reduce the amount again. Have a great weekend 

Well I have finally heard back from the electric company and what do you know my bill went from $2200 down to $959..although still a bit higher (and yes elec prices have gone up yet again) it is much better than it was. That is a whopping $1241 difference, I wonder how many people just get a bill in and pay it without looking at it...but I am glad I questioned it and now have the right amount to pay. 

Payment went through to my dreaded CC so it currently stands at $4000 that we owe it is coming down slowly and I am lowering the amount as it comes down as we will pay it off and close it, so hopefully in next couple months we will be able to do that. Then can work on the next one.

Well we got our new electric bill in the biggest we ever had and I am not happy, I know our state pay one of the higest rates in our country which sucks and we dont have solar either. Anyways our bill was $2200 😬 yes you read that right...however I almost had a heart attack when I opened up the email and read that...but I am not one to sit back, I mean it isn't even during summer or winter months but autumn months...so barely used it....so I went and took photos they read the meter on thurs we got the bill on sat and I went out and photos that day and they didnt match up...so I chatted to them online, sent the photos, they asked if they were from that day...so brought that up on my phone took screen shots and sent them in and told them to do better as it was an actual person who read it so teach them better. They are looking into it and we should hear back in about 4 days...and that bill had better be smaller than what it is now....I am also going to look around for a better deal and see if any of them have one...

I also made a payment to the CC but it has't gone through yet, so hopefully tomorrow, it is slowly coming down. We also have a car service as well so trying to keep extra money for that as well, once done depending on if they find anything we may have extra to put on the CC will see what happens...or car is a 2009 but it works well and is paid for so will use it until it doesnt. 

Hopefully by end of month our 20% of our student debts will be applied to our loans.

Well I see the bif beautiful bill passed through, I am just wondering what it means for Americans? 

I have read what it means on the white house page but it seems like everything else and is a lie to what they actually say and what many more have actually said as well so I am confused, so financially speaking what does it mean? I know the rich will get richer and the poor will get little or be worse off but what about the rest of the people. What does this mean with taxes etc.