Happy Holiday

  Hello all Happy Holidays Just wanted to wish you a safe and happy holiday. But first let me tell you my story for the end of the year. My real estate agent I have been working with came in with an offer all cash for my rental home I want to sell. It was the same offer from a different person that wanted the house for the same amount.  The offer was 50,000 less than what I was asking for the house. My real estate agent is pushing me to take the money that is being offered because it's all cash deal. He claims he had about 50-60 people look at the house already with no real offers since it's been listed with him. But mind you I have seen the sign in list when he does open houses and it's like 2-3 names on their tops. I had discussed the offer with my partner he thinks I should hold out for close to the price we want. The house is in a good neighborhood even though it's a small cottage type house. It needs no repairs it's move in ready.

I started to jump on the all-cash offer but something in my soul told me to wait and I prayed on it. My soul talked louder to me and told me the number I should get for my rental home. So that's what I'm going with my gut. I might have to get another real estate agent, but they are a dime a dozen in my area. So that wouldn't be a problem after the first of the year anyway.

Also, now I have to go shopping for a microwave mine blew out. Who knew microwaves cost as much as a stove nowadays. That's why I like my Walmart it's cheap for the stuff you need right now. Oh well that's my story before the end of the year

        Hope you have a blesses, safe Holiday enjoy it. Talk to you in 2024 God willing.

                                           That's My Story what Do You Think?  

                                       https://coinqueensyardsale.ecrater.com/

Sticker Shock!

  Hello all well here's the story for the week. I got medical sticker stock this week. Every month my medical insurance sends out a statement saying how much they spent on you for the month in medical expenses and how much you paid. Well, I notice for me the insurance company paid over $2000 for my monthly medical expense. which the true cost of all my medical services that I received was $4500 a month. I said D**N!! that's a lot of money a month I would have to pay without medical insurance (excuse the French). That's why now I'm faced with a hard reality I have to chase the almighty dollar until I get on Medicare. Plus, I have to find another insurance company for my secondary because the one I have now will want $700 a month just for coverage. Which I know I can't afford.

 The holidays are fast approaching so what are you doing anything? My holiday decoration in a $3.50 poinsettia that's about all I'm doing for the holidays besides sending gift cards to a few people. My money is being saved for medical expenses plus dental and emergencies.

I am hoping 2024 is better health wise and money wise.  Wishing you all the very best be safe happy and blessed. 

                                   Well that's my story what do you think?

 

Not In The Mood

  Hello all well here's the story for the week, I am just not in the mood for doing the holidays this year. I know you're supposed to be cheery and happy but that's not me right now. Here's some reasons why. Come Jan 2024 I have to fire my real estate man I thinks he's blowing smoke up my butt. Sorry for saying that but he always has people coming into see the house I am selling but no offers as of yet. My patience is getting short with him. I gave him 3 chances and he is on his last chance as of January 2024.

The other reason is because my medical expenses and let's not forget my dental bills are crazy. I cracked a tooth yesterday which I need to get fixed. Thank God for medical insurance but still. If not for insurance I would be in trouble.

The cost of living in New York is getting to me everything is so darn expensive that you can't catch a break. Me being a cheapskate I still struggle. One month my energy bill might be $211 and the next month it $260. How are people supposed to live with jumps in basic necessities like that. People on fixed income are probably catching hell living in New York.

Sorry about the gripes I am grateful in all this that I can get up in the morning even with all my medical problems and believe me I have a few.

                                           So that's my story what do you think? 

I Hate Mess

  Hello all well heres' the story for the week. I Hate Mess!!  Being older I hate to see mess of any kind. My contractor came a couple of days ago and he left a mess. Mind you I am paying him to clean up the mess. But since he had concrete work to do, he left the concrete bags the old garage door that he replaced, the old window he replaced. He even left his coffee cups that were empty on the floor. Did I mention I hate mess. So, when he left, I had to go outside and pickup what I could so the backyard where he's working will look a bit neat. He's not finished with the work, but I will be telling him when he comes back to try and be neater next time.

I go and check on my empty rental house once a week to make sure there are no problems that need to be taken care of. The house as of next year would be on the market for 3 years. I am really thinking about renting it for a year. Just to recoup the money I have spent to maintain it. I am talking energy, water, property taxes etc. Just the basic bills are costing me about $10,000 for the year that I don't have. So, renting it might be an option since the buying market for houses suck right now with the interest rates going up.

Is it just me but I am not feeling the holidays this year. What about you? Shopping for gifts and spending money is the least of my concerns with construction bills, basic housing maintenance bills, food bills, medical bills out the.... well, you know. All these bills are killing me and making me depressed. So, holiday shopping is not even on my mind this year. Besides I am a cheapskate I just send gift cards and I am done.

                                              That's my story what do you think? 

Dec Already???

 

Hello all well here's the story this week. It's December already and to me nothing is done. My 2nd home is still on the market. I know the economy is bad and people are not buying but it's going on 3 years now. Can a sista get some kind of offer on it. Also living in an old house t like I do that has 30-year-old appliances means that they will break down like my dishwasher did yesterday. I mean it still works but the springs that keeps the door closed is starting to act up. Meaning I need a new dishwasher. Which I really don't want because when I was growing up, I was the dishwasher in my household. Never had a dishwasher didn't need one back in the day.

So how was your Thanksgiving. Mine was quite had to throw out a ham that I had for over 5 years. Yes, it was on sale when I purchased it and I had it frozen, but the ham was dry as sand. No matter what I did to make it sweet. It still came out dry. So, I had to throw it out. I hate wasting food. Food cost too much to waste even if you did buy it on sale.

Told you about my contractor that now has a new deposit from me for work to be done on my old house. Well, he supposed to come after thanksgiving to start the work. I will be bugging him this week. So I can get a date for him to start his work since he got a check from me of $2000 as a deposit. Which I couldn't afford in the first place to give him. But my house is falling down, and you need money to put it back together. Thank god it's nothing major that needs to be repaired or I would really be in trouble. We are getting a new garage door, cement work done and some corking and trimming around the house. It's still expensive.

My washing machine went out a couple of weeks ago along with my freezer. I thought I had to get a new washing machine, but when the freezer went out I panicked there's a lot of food in the freezer that could go bad if it goes out. Thankfully my neighbor whos' aa electrician  came over and fixed the problem. It pays to have good neighbors especially when you in a crisis.

                                                      That's My Story What Do You Think?