Mobile-home-for-the-Andersons-Fund

This is totally not weight related just FYI. This is just a silly rant that is too long for a FB status so it's coming out on this blog.

I am known for crazy ideas. My crazy used to manifest itself in interpretive dancing, costumes at the grocery store, or setting a hammock up in my bedroom as a 5 year old (attaching it to my furniture and thinking for SURE it would hold me when I jumped in it.)

When I start getting antsy about the future, I start dreaming (aka getting crazy ideas)

We have no idea where we will be in 6 months. Dan has applied to nursing school in Wisconsin and at this point if he gets accepted we are going to move to Madison so he can start school in August 2012 rather than August 2013 since if we stay out West, there's no way he can start nursing school in 2013 because of different pre-requisite requirements.

I start formulating all the different plans for the future. So far I have contacted a realtor about a mobile home in Springville, searched for every rental option anywhere south of Provo, looked at every affordable home in Utah County, looked up summer jobs in Alaska, Jackson Hole, Hawaii, and Utah. Oh yeah, and spent hours and hours looking at rentals in Madison.

I have also assembled huge lists of how to earn as much money as possible this summer. I've basically looked into everything except Tahitian Noni Juice, NuSkin, Amway, and Pinnacle Security Sales.

I do this all the time. I usually imagine all the possibilities for a few months and then just do something rational. This time is different. I actually contacted a realtor about a mobile home in Springville and Dan and I met up with the realtor.

Next thing I know we are being contacted by a lender about purchasing a house and I am completely in shock. Are these people IDIOTS? Do they not hear me when I say, well, according to my taxes, I made -$5,000 this year and we don't have very much money saved? I honestly don't know why these people told us we would most likely qualify for a $120,000 home loan. All I wanted to know is what I had to do to purchase that awesome $35Kmobile home for Dan and I and an hour later we were looking at homes under 100K, and the kind of homes that aren't mobile.

Now, I think buying a home is great when you have a job. I think it's a great thing to invest in. I don't think it's smart to buy a home when your taxes reflect $-5,000 AGI. Now, remember I am self-employed and I am very very aggressive with my deductions to avoid paying all the self-employment taxes, but still! Why didn't they tell us to come back in a few years when we both had more steady jobs? No wonder there are so many people in foreclosure. It's because banks and lenders were stupid enough to loan money to people like myself who have very little stability in life and no down payment, and then loaned them money for the MAXIMUM amount they "qualified" for. I told the guy we weren't interested in anything more than double our annual income, which pretty much means mobile homes or houses built in 1887.

That's all. Just FYI, banks don't really lend money for mobile homes, but if we stay here, you can all donate to the Dan and Stephanie make-a-wish-for-a-mobile-home-fund.