Long Distance Move and New House

[MoreliaV]

I have decided that I am sick of debt, and have set short term and long term goals for myself.

As the story is now, I am about $12,000 in debt of credit cards and student loans, and also own a house. However, me and the bf recently broke up, and we own the house together. What I will probably be doing, is giving him the house (he will refinance in his name, pay me a small amount to buy my half, and I will sign deed over). I then plan to live with my mother for a little while, which should greatly reduce my expenses (I am living paycheck to paycheck now as it is).

With those reduced expenses I should really be able to tackle my debt in a quick and timely manner. After ALL of my debt is paid off, I then will be save, save, saving. I am saving for a long distance move out of state, probably (but not definitely) to Florida (I currently reside in Wisconsin). Although I will rent short term in Florida if I have to, it will be difficult to find a place to rent with my small "zoo" of animals (small dog, 2 cats, bird, hedgehog, plethora of snakes and other reptiles).

So, ultimately, I would like to save enough to put a good sized downpayment onto a modest and affordable house in Florida. And, hopefully, to find a good paying job when the time comes.

I have been setting and am in the process of tweaking a budget, as well as starting up the envelope cash paying system.

I can do this! I will accomplish my goals! I will be debt free!!!

-Heather

[jas]

hello and welcome heather. sound like good goals. What kind of work do you do and what part of florida do you want to end up in? I live in Florida on the space coast. That is near the beach, Kennedy Space Center and Cocoa Beach area. I actually live a little south of Cocoa Beach though.

Housing at the moment is taking a nose dive hopefully It will rebound sooner than later. I am sure that the pay would be lower here too. Not positive though.

[MoreliaV]

hello and welcome heather. sound like good goals. What kind of work do you do and what part of florida do you want to end up in? I live in Florida on the space coast. That is near the beach, Kennedy Space Center and Cocoa Beach area. I actually live a little south of Cocoa Beach though.

Housing at the moment is taking a nose dive hopefully It will rebound sooner than later. I am sure that the pay would be lower here too. Not positive though.

Hi. I went to school for zoology and conservation, but have not found work in that field in this area. I am contemplating going back to school eventually, possibly for accounting, maybe lab science, I don't know. Ha. Right now I work as a dental technician working on dental prosthetics, I don't even make $10/hour, and right now rarely get 40 hours/week, so there's not much lower I can get.

I'm not sure where exactly I want to move to in Florida, but Tampa, Orlando, Gainsville, and Daytona coastal area are at the top of the list. I don't want to live much further south than Tampa, and I don't want to live in the panhandle. It will probably depend on what kind of work and where I can find work, etc... I have some friends that live in Florida that I know from a shared interest in reptiles. I also have some relatives there but I don't know them very well.

[NikoSan999]

Live in Florida also. Not to discourage you but have a job BEFORE you come here. Don't take a chance on not finding one for months. Jobs are hard to come by and the pay sucks. I'm more on the Tampa side but a little further south.

Housing is fairly cheap right now compared to what it was and foreclosures are a dime a dozen. Takes awhile for it to go thru tho due to backups.

Otherwise, wishing you luck and success.

[Greebo]

I have decided that I am sick of debt, and have set short term and long term goals for myself.

As the story is now, I am about $12,000 in debt of credit cards and student loans, and also own a house. However, me and the bf recently broke up, and we own the house together. What I will probably be doing, is giving him the house (he will refinance in his name, pay me a small amount to buy my half, and I will sign deed over). I then plan to live with my mother for a little while, which should greatly reduce my expenses (I am living paycheck to paycheck now as it is).

Is there any actual equity in the house?

So, ultimately, I would like to save enough to put a good sized downpayment onto a modest and affordable house in Florida. And, hopefully, to find a good paying job when the time comes.

Get out of your other debt before buying a new house, definitely!

I can do this! I will accomplish my goals! I will be debt free!!!

-Heather

We'll be here for support!