to remain indecisive ;)
We are still toying with the idea of moving back to Florida. I have found my DREAM job there and I know I would be great at it. The city that has this job it also hiring 10 police officers right now. AND we found some great foreclosure homes there for as little as $50,000. Sounds great right!?!? Well there are a few problems...
1) The agency hiring police officers is not necessarily the one Stephan wants to work for. He is familiar with another agency in this town, but they are on a hiring freeze. A "higher-up" for that agency said for Stephan to go ahead and put his application in and when the freeze is lifted (which could be soon) Stephan would be considered. BUT Stephan is a little lazy when it comes to change and moving. He is not 100% sold on moving, because he is so comfortable here. He HATES change, so why would he do work to seek it out-that is his thought...
2) What if I get hired and Stephan doesn't get hired at the same time. That would mean our families livelyhood would be solely based on my income (and I wouldn't make near as much as Stephan would.) And with him not having an income we could not afford to move. I have searched all over Georgia for a similar position for me, but I have not seen anything-for my last 6 months of searching.
3) and this one is VERY hard for me to admit-we have bad credit. Like really bad. When we decided to move to Georgia we got caught up in the LARGE beautiful houses and bought WAY beyond our means (not to mention we had 24 hours to find a house and sign a contract while I was toting around a 5 month old, and Stephan was doing stuff for his now employer-that was a lot of pressure on me.) We made the WRONG decision and wound up foreclosing on our home. I am so embarassed to say this and very few people know about this. But our mortgage was over 50% of our income. We are very bad with money and are trying to get things in order now, but it is hard. We have medical bills from all of Trey's medical stuff. We had to take Ryne out of private school and put him in public to save money. We like to give our kids whatever they want/need. I do well saving money for groceries, but that is where my savings ends.
So my point is we would NOT be approved for a mortgage with both of us having new jobs and a foreclosure so recent on our credit history. So we would have to rent I guess, and we are renting in Ga for an extremely discounted rate. For the houses I found that we like we could come up with 5% for down payment, and afford a mortgage that low, but where do we get money to fix the house up (new carpet, some don't have applinces, new paint,etc., etc.) Most of these homes haven't been lived in for awhile so they def. need some TLC.
So we don't know what to do or where to start. I don't want to feel STUCK-like I do right now. I see no way of making this change and I hate feeling that way.