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Monday, March 4, 2019

Warning! 2019: The Meek And The Homeless Are Inheriting The Earth!

When the Lord said the meek shall inherit the earth, I didn't know MY place would be included in the deal...

Last year, I got a shock when I came home while on my lunch break to find that my Ex had "invaded" my home and was in here cleaning and cooking and chillin'. Now, she has "invited" a relative AND Her Two Kids to live with "US"(?) for a while.

What kind of damn shit is this amiss???

People these days are crazy azz hell...

The woman actually has mail coming here. I found all of this out when I was awakened by her kids crying and my Ex's dogs barking. I overheard them whining about how it's so hard to get help from social services and how that some of the people who answer the phones don't seem to care, and blah, blah, blah.

* I asked them months ago to pull her credit report and start building her credit so that she could stop depending on these "hand-outs" and going through this drama (it's her; it's not these other people), but they STILL haven't brought any of that information to light. They are still talking about the same thing: She can't get any help finding a place.

Lord, these hoodrats are gonna drive me crazy.

Who in the world has the gall - when they're homeless - to invite another homeless person into someone else's home???

I want my Ex to go back to her home. She had a place when she left. All she had to do was move the rest of her stuff into it.

I think she stayed there for a couple of days (if that) and then hauled her junk right back over here. I was so ticked off, I worked a double shift. I went in at 2pm that day and left 10am the next day. I was doing everything I could not to go home ever again.

But, anyway... Damn, I got waaay off-track...

So, anyway... I get up (because I'm about to put a stop to this whining and blaming everybody boolshit), and I go in there and shut the conversation down. I ask my Ex to grab her computer... I talk to her and ask her what is trying to do, and what does she want. She explains...

Now, I don't know how long this has been going on with the lady having mail delivered here, but I found out because they asked me to help her with her credit so that she can find a place to live.

We set-up a credit monitoring account with Credit Sesame. For some strange reason, the Credit Karma website was down. But, it didn't matter, I just wanted her to see her credit scores. We would go to the Official Credit Bureau sites later.

So, after we get the scores, I let her know that she has a strong chance of qualifying for an FHA Loan for first-time home-buyers. The minimum credit score requirement for the program was 580, and she was above 600. There are other FHA loan services/programs, but I wanted her to check this out. We talked about NACA also.

Then, I take her to an online bank that has a no-fee "interesting" checking account. We also add a savings. There is no minimum deposit for required for either. But, she needs the checking account in order to get in the "game".

For most banks you need a checking account to get a credit card - which she will also need to boost her credit score. The higher the score the lower the interest on the home loan, so you save more money and get more for your dollars.

Anyway, while setting up the checking account, the website field to enter the address came up. So, I ask her for her address, and she starts giving me MY address! What the hell??? And, then, my Ex says, "Well, I've been letting her use this address because she doesn't have a physical address she can put down." (I knew something was going on when they started giving me my mail before I could get to the mailbox myself.)

Okay. I enter in my address and all the other info.

We move on to Paypal so she can receive money if she needs help. But, she has a job. She just doesn't spend wisely. I've seen her in action, and it's pitiful.

Anyway, we're all in there talking about credit and teamwork in relationships (and they're not focused), and I barely catch it, but she says something like: Well, just put your work clothes in the laundry room, and I can wash them everyday when you get off of work.

And, another time, she asks about where the girl's boyfriend is going to be staying. So now... I know I'm not trippin', but I thought I told this chick I come from a history of over-crowded houses and I was sick of it. I know I told her I don't want to ever live like that again with 7 or 8 people living in a small house built for a single family.

But, she doesn't listen.

She don't care.

Whatever I say, it goes in one ear and out the damn other.

Four months after she moved in, her brother, his wife, and their baby crashed here for Thanksgiving.

FOUR TWO AND A HALF WEEKS! lololol...

What the Hell?

Then, he was talking about how he was sending the family back and how he was going to stay here and look for a job, and get his place.

I said, "Oh hell naw. You're welcome to stay in Charlotte, but your ass ain't about to stay here."

Trying to run that lame-ass game on me on the low. Do you know what I'm saying? He tried to sneak his intentions by me in a casual conversation.

I knew what was up when he actually let them travel back up North alone and he stayed and "hung around" for a few days... On the third day, I told him he had to bounce. His sister and her kids were already costing me an arm and a leg, and I couldn't afford to take on any more expenses - not even short term.

Their younger brother crashed on the couch off and on for few days for about two months at one point. He's a smart guy, but can't quite get it together mentally. He just can't seem to grasp the fact that he's no longer in high school (or perhaps middle school). I think he's fighting being a grown-up. Seriously.

Anyway, I'm going to help them all as much as I can, but I'm also going to help myself by finding a way out of this dump. I'm sick of it. If I had a larger 4 or 5 bedroom home it would be different. But here, toys are all over the floor, there are clothes in the living room, the kitchen, the hallway, everywhere.

Shoes all over the place.

Papers everywhere.

All these women are using so much toilet paper it's a damn shame. I'm always having to run to the store for big bundles of tissue paper.

Now, more dishes everywhere because they're in the living room yappin' loud as hell and watching TV and chillin' and not concerned about dirty dishes.

And, it's just people everywhere.

I'm sick of it.

I've been tempted to sell my home on OfferPad or Opendoor, but my house is in a prime location, and if I want to stay in this neighborhood, I'll have to pay a higher premium price. All of our homes have gone up in value over here. So, I'm not sure what to do.

If I stay, they'll ruin me.

If I leave, I'll have to move out of my neighborhood (and zip code for that matter) to be able to afford a new home.

I guess it's crunch time... I'm gonna have to step up my game before these people make me homeless.

Y'all pray for me. I'm goin' in.

Loveqna

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