Actually, I applied for a couple of jobs at the local hospital, in hopes that I’ll get one or the other. One is a full-time psych tech, the other a nearly-full-time nursing tech.
If I don’t sound overly enthused, it’s because I’m a little ambivalent, and I’m ambivalent because…
Well, sit down. It’s kinda long.
I make okay money carrying newspapers–enough to pay the bills if I’m frugal–with the added benefit of not needing to put the littlepoets in daycare. If I get one of these jobs, I’m going to keep a portion of my paper route, so I’ll be doing that, then taking the babies to daycare, then working a regular shift.
The bad news is that I’ll be working a lot more, but putting about the same money in my pocket (maybe a little more, with luck). The good news is, I’ll be able to get health insurance (a must after the divorce), and more importantly, I’ll look like I’m making more. And I need to look good on paper, because I intend to refinance this house in my name only as soon as I possibly can (hopefully within the next year). Otherwise, my future-ex and I will have to continue to jointly own the house, and I’m already tired of him threatening me about it.
I think I can do it for a year, if I’m careful to take good care of myself. After that, I’m going to try to cut back to one part-time job so that I can go back to school.
So…luck and strength and looking-good-on-paper vibes would be welcome. I’m going to call a mortgage broker today, so that I can explain the whole situation in detail and he can tell me exactly what I need to do in order to secure a loan on my own.
I can practically feel the good vibes now…thanks, Dopers!
Best,
karol
Good luck with the job application thingy!
Robin
Won’t your husband have to sign off on the house? Is he willing to do that without a court order? Will the court make you buy him out? Geez, I have a lot of questions!
Best wishes, karol.
(Kalhoun, my ex husband signed the house over to me, but he couldn’t be taken off the mortgage unless I refinanced. As the mortgage company insisted that his name be first (because the guy’s name comes first), this lead to all sorts of problems with mail being forward to him he - got the statements, the tax forms (and then claiming the credit on a mortgage he no longer paid for a house he no longer owned), the notice that the escrow had changed and I needed to pay more money.)
Thanks, friends.
Kalhoun, I think Dangerosa nailed it. I can be considered the sole owner of the house as far as the divorce goes, but the mortgage company will still consider him a joint owner.
Worse, HE will still consider himself a joint owner, and every time he gets mad at me (which generally is about twice a week right now, sigh), he’ll go into “this is MY house too” mode and threaten to kick me out.
When he’s in a good mood, he’s willing to jointly own it…but I know from experience that it would be a Very Bad Idea.
Plus, I want to refinance because we’re still paying 8.25% interest. I’m crossing my fingers for good advice from the mortgage broker.
I just ran some figures and it all looks better than I expected. Assuming I get a job, of course. 