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Reply #64: Not everyone screwed up..... [View All]

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tpsbmam Donating Member (1000+ posts) Send PM | Profile | Ignore Wed Feb-18-09 09:26 PM
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64. Not everyone screwed up.....
I'll use my neighbors as examples. They could well afford their house when they bought it. Then he lost his job through no fault of his -- the boss was a total nut and did some incredibly sleazy stuff, including my neighbor's paycheck bouncing a couple of times (this despite the fact that the boss/owner was living the life of the rich man he is). Lots of people have lost their jobs due to layoffs -- what did they do wrong? If they bought a modest home they could afford 10 years ago and now can't pay the mortgage through no fault of their own, what did they do wrong?

My neighbor had to work two jobs (one full-time and one part-time) after that and still didn't make what he had with the one job, for which he was recruited and moved here. His wife also worked 40+ hours per week when she could -- they have young children and she wasn't always able to due to childcare costs (wasn't worth it to work if they had to pay full-time childcare -- she doesn't make enough). But there were times she worked at night and he worked during the day and she had more than one job when he couldn't land a second job -- she rarely slept since she was taking care of the children during the day.

Like many people in this economic fiasco, they bought a house they could afford and, due to economic realities, they now can't afford it. He has now moved 4 hours away to take a job in his profession but still only makes enough to cover the mortgage and her car payment -- there are some little realities like food for the children & heat that make them currently late on most of their bills. He now makes 35% less than he did with the original job. He better get a second job soon or they're screwed -- he's been looking but hasn't found anything yet. There's lots of competition for the crappy part-time jobs he's been applying for.
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