AFter I nudged the possible west coast job yesterday, today they started calling references. A former mentor gave me a heads up they had called her.
And so I continue to struggle with the decision to leave or stay. Today I helped a colleague who works where I toy with working, and it became very clear that I could do that job well. It is a high stress high turnover job, and I think it doesn't pay great, but the skills I would master. Oy. And of course there's this house, which I bought as a long-term investment seven years ago, thinking I could live here until mobility was a problem. There's a lot of stairs. But the good of this house is holding it long-term.
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Next day: there were potential buyers by no offer (yet). My realtor keeps giving me details about the buyers and I really do not give a fuck. That only matters if I'm in a multiple offer situation. All I care about is if they are writing an offer and if it is reasonable.
I just checked with my insurance guy and it is VERY hard to get insurance now, and only the insurer of last resort is available and they're jacking up rates. The quotes potential buyers got would put ONLY INSURANCE at about $550 or more per month, and there are significant deductibles. Add the cost of taxes and the actual mortgage, and it's too high to buy. Plus you need a significant savings to cover deductibles and what's not covered by insurance when (not if) hurricanes hit hard.
Fuck.
I knew it was bad - I keep seeing news articles about insurers leaving the state or going out of business. But this is worse than I knew.
Insurance guy says my insurance is half that because I'm not trying to get a new policy and also because my credit score is so high. But selling? I should stop and wait until 2024.
Finally I get some good advice. Advice I wish my realtor had given to me before I lost my excellent tenant and spent a grand updating a license.
So. I'm going to wait to see if I get a job offer and how well it pays. If it's super good, then I'll consider taking it and dropping my house price so low that an asshole investor will swoop it up and squeeze working class people.
But I'm definitely leaning towards staying, putting my house on the market in March 2024. Why? I could move into the job that will teach me skills for something I want to do after I retire, my landscaping will fill in. I'll put a few grand more into the house (insurance, hot water heater) but try not to do any big projects. I'll get a tenant, maybe a roommate. Keep gardening and producing lots of my own food. Use more of that food, make it central to my diet. Focus on my health in general, starting exercise regularly. Consider joining a nice gym nearby and ride my bike to work more. Finish all quilting projects.
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It's a lovely Sunday and I'm spending the day puttering around the kitchen. Tamale pie in the slow cooker, just ate pasta with greens and beans. Moving things I use back out to where they're usable and not shoved back in a closet. And of course there's another showing on Friday. Oh well, they can see the house as I actually live in it.
Getting my bike tires sorted out to ride tomorrow.
Planning to share food more through the community fridges. I've done it a little but I want to do more. I got pretty turned off when I looked at a couple fridges and they were filthy. But I think what I'll do is take cleaning wipes and a trash bag with me and just plan to spend a little time on that before dropping anything off. I have some containers now that I can put leftovers in to share (since I often make six servings of things and can only eat thrice at most), and I have productive greens from the garden to share as well. These fridges are used heavily by people who need them. I can also use this as an excuse to bake more since I could drop pieces off instead of eating them all.
I've been cooking through what I already have which is always fun. No going to the store, just using what I got.
I've been focused so long on renovating my house that so many things fell to the side and I want to get back to them. Things like alternative transportation and volunteering. Core values that I ignored while in survival mode (which is what not having a roof did to me; I know other people are more advanced but it threw me hard).
OF course that kitchen apartment isn't going to be painted without me so I need to clean up my kitchen and then move on in there for a couple of hours.
It was raining really hard and I really am enjoying just hanging out in my house.