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re: What are my options if I can no longer afford my house?
Posted on 8/18/26 at 4:41 pm to hassan whiteside
Posted on 8/18/26 at 4:41 pm to hassan whiteside
quote:
Short term. Ran through my emergency fund. Nothing major at all
I would say having a gambling problem is pretty major
Posted on 8/18/26 at 5:22 pm to jorconalx
build a real honest budget. shite in is shite out.
cut everything non essential first. no going out to eat, no drinking, no smoking / vaping, etc.
see what that gets you. The LAST thing you want to do is negatively impact your credit score further. Pay your bills. If you need more money, get a 2nd job. Sell assets you are right side up on if you have any.
cut everything non essential first. no going out to eat, no drinking, no smoking / vaping, etc.
see what that gets you. The LAST thing you want to do is negatively impact your credit score further. Pay your bills. If you need more money, get a 2nd job. Sell assets you are right side up on if you have any.
Posted on 8/18/26 at 6:58 pm to hassan whiteside
quote:
Small lines of credit on 2 accounts.
How much?
quote:
My credit score is not great. Around 600
Will be hard to qualify for a future home with this score.
quote:
I have made a few poor financial decisions, but nothing crazy.
List some. If you can't afford your home, some of the things might be "crazy."
Don't beat yourself up. That does no good.
Posted on 8/18/26 at 8:19 pm to Joshjrn
From your OP, you bought a house in 2024, you make more money now, and most importantly, you are basically debt free. I am missing something.
Posted on 8/18/26 at 8:28 pm to go ta hell ole miss
quote:
Sir Saint
I see posts talking about degenerate player prop bets and asking the OT how much have they won on scratch-offs and powerball. So on top of a likely gambling problem, you're neck deep in one of the most expensive hobbies in the world. And you were just posting about buying a whole home generator for the house you can't afford back in May 2026. You got a spending problem brother. You need to get serious about your finances to keep the house, or sell the house and rent a shitty apt so that you have the money to shave a few strokes off your handicap.
Posted on 8/18/26 at 9:01 pm to bayoubengals88
quote:
There is no reason for a single man with any kind of decent job to have a credit score lower than 800.
28yr old male engaged (no pics)
Never had credit card until 2 months ago, credit score now 727, was 689. Wish I had started sooner using credit card for gas but that’s a blanket statement BB.
Own a home and fully paid 2025 car in cash. I think finance is more nuanced than just credit score
quote:
Credit score is the biggest made up crap ever.
Just saw this as a reply, I still can’t comprehend how Americans are so tied to a credit score but we rebuke at China’s social credit score (I’m not advocating for it)
This post was edited on 8/18/26 at 9:06 pm
Posted on 8/18/26 at 9:02 pm to hassan whiteside
Can you pick up a 2nd job on weekends?
If not either get room mate or sell it
Do you have an emergency fund? Can you sell anything?
If not either get room mate or sell it
Do you have an emergency fund? Can you sell anything?
Posted on 8/20/26 at 9:52 am to YungBuck
quote:
Just saw this as a reply, I still can’t comprehend how Americans are so tied to a credit score but we rebuke at China’s social credit score (I’m not advocating for it)
Because these things are not even remotely the same.
Posted on 8/20/26 at 10:36 am to bayoubengals88
quote:
For you, young friend. It's golf.
I think that's certainly part of it. He's not being completely forthcoming, though, I suspect. He bought an old Land Cruiser to try to fix up late last year. And he was considering a backup generator less than 90 days ago.
Something has happened. Now, maybe it is merely awareness of a problem that has been there the whole time. Or it is one or more vices getting out of hand over the Summer (which leads us back to golf). If it was just that he needs to cut back on golf, I don't think he would be here, but maybe.
In any event, if the choice is golf or home ownership, I would probably choose home ownership.
Posted on 8/20/26 at 4:34 pm to Ace Midnight
Please don't sell your home OP. Rent is generally more than a mortgage and gives you closer quarters and less freedom. Start studying Dave Ramsey and put yourself on a budget. Best of luck, I've been there but you do what you have to do. You are lucky to have been able to buy at a young age.
Posted on 8/20/26 at 5:49 pm to hassan whiteside
What you want for that Land Cruiser baw? I have cash and I think you need some.
Posted on 8/20/26 at 6:25 pm to hassan whiteside
What kind of rate are you paying on your mortgage? If it’s low, and your house meets your needs, I would try to keep it.
Posted on 8/20/26 at 7:52 pm to hassan whiteside
You have no debt, but still only a 600 credit score....yet you still own a house.
Hard figuring out that you are making more money, have no debt, but suddenly can't pay monthly bills.
** sounds like a gambling problem more than a golf problem
Hard figuring out that you are making more money, have no debt, but suddenly can't pay monthly bills.
** sounds like a gambling problem more than a golf problem
This post was edited on 8/20/26 at 8:02 pm
Posted on 8/21/26 at 4:15 am to Pedropatterstine
quote:
** sounds like a gambling problem more than a golf problem
I'm not calling him out, explicitly. We don't know. However, between collecting old cars and golf, we know those 2 alone can get expensive. If he has collected any other expensive vices, it is easy to see how he can go from "I'm considering a backup generator" in May 2026 to "I cannot afford this house" in August 2026.
He did not mention a job loss (he said income was stable or even up) or other financial set back other than the vague "emptied my emergency fund".
Sounds like more than golf, for sure. Gambling? Maybe.
Posted on 8/21/26 at 6:14 am to hassan whiteside
I’m sure you will explain later in the thread , but it seems like you are saying I can’t afford day to day, but it’s no biggie (nothing crazy).
Stop! Treat this like your life depended on this. Cut everything non essential. There is obviously some things majorly wrong if you have a 600 credit score and can’t afford daily.
Pretend you have to post on facebook to your friends and family, all your expenses. Whatever you are not comfortable posting , get rid of or lower. Every penny helps.
Stop! Treat this like your life depended on this. Cut everything non essential. There is obviously some things majorly wrong if you have a 600 credit score and can’t afford daily.
Pretend you have to post on facebook to your friends and family, all your expenses. Whatever you are not comfortable posting , get rid of or lower. Every penny helps.
Posted on 8/21/26 at 6:26 am to Ace Midnight
I think posters have gone back and read where he was gambling. It sounds like that to me....good one week, lose everything and flat broke another and not set any limits....can't pay bills, behind on Mortgage, low credit score, etc.
Posted on 8/21/26 at 6:29 am to Stamps74
quote:
There is obviously some things majorly wrong if you have a 600 credit score and can’t afford daily.
yes...the making more money, have no debt thing, but can't pay bills, doesn't add up. It is major. I suspect there is more to the story, but if he is telling the truth...simple....if you have no debt, just quit cold turkey the vices (again, probably gambling).....in a few weeks/months things should get back to normal.
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