Housing Help Needed

SoMDLady1

New Member
I was just passing on what I was taught during my situation, and I also think we need to share the harshness of life, as well as the wonderful.

Let me tell you the good part.

This all started in 1996. That's when we had to move, June of 1996.

While my husband was working again, I knew it was not going to last, so I took every dime I could get my hands on, and saved it for a huge Garage.

I had gotten a property for $1500.00 and wanted a Garage on it in case we needed a place to live.

Only months before my husband had his NEXT heart surgery and strokes, we had made payments on a Garage, and by November of 1999 the Garage was delivered to our property, and it was there for "just in case."

By then we were just trying to live. No money things were bad.
Then it changed.

After getting Social Security things were a little better, but I changed.
We still had medical bills, and that's when I decided it was time to make a dime scream before I let go of it.
We were not only going to be OK, we were going to have a home again, and we were going to have one that, JUST MET OUR NEEDS, nothing fancy, and we would not owe anything on it, no matter what.

Rooms can be smaller when you have lived in a motel room, so our home would be really small too, but free of debt.

I started out by getting electric installed on our property, and it was connected to the garage, and although we lived in a small one bedroom apt. we had property to go to, a pier to crab off of, and a garage that was a home away from home. I have watched the wonderful crooked maple in my yard grow, planted some trees, and enjoy it so much that I can't wait to start the house.

I just had the garage cleared out, and within the next couple of weeks we are having it insulated, and drywalled so that we CAN LIVE IN IT!!!!

It has a new refrigerator I got about 3 years ago, a porta poty, carpet, and will be going up on a new foundation in the spring.

We plan on using it to watch the house being built. We do have some of the materials, and we are installing a new floor when the insulation goes in, along with some larger windows.

It's so weird to my family, they just say, no, no, no. You can't live in that!

My attitude is, Just watch me.

You see, all of my brothers and sisters, but one brother and I, are VERY WELL OFF! and I mean VERY WELL OFF.

I can't help but laugh at them when they look so perplexed, they just can't understand it all. They get scared to death to even thing of the words "Roughing It"

You should have seen them learning to use a porta potty when we all met at the property for a day of crabbing and a picnic.!!!!!!!!!

We have come from a pit, to anything we want. It may not be what my family is used to, but it will be ours, and will represent my husband and myself.

It will have some of his kind of memory things in it, and some of mine.
We get to pick what we want in our home, for the first time in 43 years.

We had 4 children at home, and they ran the show. Now it's our turn.

Can you even think of not having to pay car payments, a mortgage, or credit card bills. Now I can, and it is GREAT! Mind you, I do have to put away a little each month for when we need a new car, but we have a way to go yet, and a house to build.

This spring my Yard Man is going to help me plant more trees and a garden on the new property (next to the one I have now) I purchased this past June. (Sure cost a lot more than the first one)
Last payment Feb. 1st. !!!!!!!!!!!!!!!!!!!!!!! wooo raaaa!!!!
(She let me pay cash by the month) !!!! God bless this woman.

I would say, that all in all, things are starting to look up. Especially when only a few years ago I was in a motel with $121.00 a week to live on.

Below is my Garage, it's getting a paint job, and a new roof, it looks a lot better than the photo, and it will be my temp. home for about 6 months.

The good things sometimes come in really small pieces, sometimes in big blasts, but we must remember, THAT WE WILL SURVIVE. We can do anything, even when it's really hard to believe it at the time.

My ancestors came to St. Mary's county from Ireland, and I guess some of their stuborn Irish ways rubbed off on me. I won't ever look back, I won't ever give up, and after all, I get to live in the finest County, in the finest State of them all, Maryland!!!

You can't ask for more than that, unless of course, it's some hot steamy crabs!!!!:killingme
 

SoMDLady1

New Member
I forgot my Garage!!!! I'm not crazy about the cedar type trees, and will replace them.
 

Attachments

  • Garagew.jpg
    Garagew.jpg
    46.8 KB · Views: 150

TrueSOMDGirl

resident Spring Bunny
just checking in to see how you are doing and if you got the help you needed or if things are better for you yet?
 

Clbkatz

The Travel Lady
just checking in to see how you are doing and if you got the help you needed or if things are better for you yet?

Thanks for caring to follow up. Things are about the same. I am still looking for a job and barely making ends meet but doing the best I can. I followed up on the leads I got early on in this thread before all of the trash talk started on me and most have not panned out yet.

The attorney someone referred me to wanted to charge me $1700 + $600 to help me and I can't afford that. I told him I thought he was referred to me as a pro bono lawyer but he said he is not accepting any of those cases now. He sent me to another agency for help but they wont help me because I still have my home, even though I have a letter saying that they are starting forclosure on me if I don't make the back payments I owe. I told them I need help and I am loosing my home but they do not care. As long as it is in my name I do not qualify for the free legal aid. So I am kinda back to square one. I am going to apply for the energy assistance program I was told about and see if I can get help with my electric bill since I am way past due and trying to put off being cut off. I was told that takes 45 days to get approval after you apply. I don't know I can put it off that long. I have lost my car insurance because I had to pay something on electric and I can't be without electrci with 3 kids, etc.

So basically I am tying to make it work but it is not easy by any means. I pray for a break real soon (a job would be a good start) or i am just going to loose it. This is so frustrating. I am tired of not getting jobs because of my credit or being over qualified. I never thought that was such a deciding factor, especially these days you would think they would understand. If I can't get a job to pay my bills then I guess my credit is going to be bad. I am not giving up.....Thanks again for checking in.
 

TrueSOMDGirl

resident Spring Bunny
Thanks for caring to follow up. Things are about the same. I am still looking for a job and barely making ends meet but doing the best I can. I followed up on the leads I got early on in this thread before all of the trash talk started on me and most have not panned out yet.

The attorney someone referred me to wanted to charge me $1700 + $600 to help me and I can't afford that. I told him I thought he was referred to me as a pro bono lawyer but he said he is not accepting any of those cases now. He sent me to another agency for help but they wont help me because I still have my home, even though I have a letter saying that they are starting forclosure on me if I don't make the back payments I owe. I told them I need help and I am loosing my home but they do not care. As long as it is in my name I do not qualify for the free legal aid. So I am kinda back to square one. I am going to apply for the energy assistance program I was told about and see if I can get help with my electric bill since I am way past due and trying to put off being cut off. I was told that takes 45 days to get approval after you apply. I don't know I can put it off that long. I have lost my car insurance because I had to pay something on electric and I can't be without electrci with 3 kids, etc.

So basically I am tying to make it work but it is not easy by any means. I pray for a break real soon (a job would be a good start) or i am just going to loose it. This is so frustrating. I am tired of not getting jobs because of my credit or being over qualified. I never thought that was such a deciding factor, especially these days you would think they would understand. If I can't get a job to pay my bills then I guess my credit is going to be bad. I am not giving up.....Thanks again for checking in.

I am so sorry to hear this, I had hoped you or your husband has found work.
I am just dumbfounded, that none of us are able to find help.
 

EmnJoe

nunya bidnis
Call them for help. It will not cost you anything.


Southern Maryland Tri-County Community Action Committee, Inc.
A private non-profit organization committed to combating poverty in Southern Maryland.SMTCCAC, Inc. strives to provide a variety of self-sufficiency services to the residents of Calvert, Charles, and St. Mary's Counties.

SMTCCAC, Inc. is a HUD Approved Housing Counseling Agency
Our housing counselors provide the following services:
·First-Time Homebuyers Seminars, with individual and group counseling
·Post-Occupancy Counseling
·Foreclosure Prevention Counseling
·Reverse Mortgage/Home Equity Conversion Mortgages (HECM) Counseling
·Rental and Homeless Prevention Counseling


Calvert (410) 535-1010 Charles (301) 474-4474 St. Mary’s (301) 475-5574


Metro (301) 870-3770


Fax (301)274-0423

 
Top