FALLING BETWEEN THE CHAIRS – Marilyn Armstrong

Trying to get a loan to install a new boiler in this house ought to be easy. I’ve been paying off as many debts as quickly as anyone on social security can, but apparently not fast enough. Never mind that the money has almost entirely been spent trying to keep the house from falling apart.

What I don’t “get” is that this is a zero percent loan. They aren’t even paying out the money. National Grid is paying the money.

Also, It’s not a huge number. At zero percent, it’s easy to pay off. But they have a computer. When it dings, you’re donged.

So I have a choice: find a lender with a soul, or not pay my mortgage until I have saved up enough money, and then pray that the the bank will make a deal. Or we wind up on the street. I’m hoping we won’t wind up in the street because I don’t think we would last long. We’re a little old for that.

It’s ironic. We make too much money to get housing assistance, but NOT enough to really afford housing. Once more, we have fallen between the chairs.

Daylilies

However, you will have to forgive me if I’m not overly cheery. I’m scared. Somehow, I’ve always found a way to survive, no matter how bad things got, but it’s not looking good. But who knows? Maybe it will get better?

And you know? Today the daylilies bloomed and a tiny chipmunk made his way onto the feeder and nibbled at it. Everything is fine … except … it’s not.



Categories: Blackstone Valley, Daylilies, Flowers, Marilyn Armstrong, Photography

Tags: , , , ,

22 replies

  1. I don’t have daylilies yet but it looks like I will have some soon. I have Social Security but I work too. I paid into Social Security for 50 years before taking it. You would think that would be enough. I could make it do, but this gives me the opportunity to put a little away as I go.

    Like

  2. I’m glad to see that the interest is paid by National Grid — too often people have “0-interest loans,” meaning that they don’t have to pay the interest as it accrues because it gets added to the principal at the end of the no-interest term!

    Like

    • These loans are only available through public utilities – and even then,, rarely. They really ARE zero interest, but becaue the amount we need is small, the number of months is small too. This is giving me a headache.

      Liked by 2 people

      • How can we “make” too much money to be eligible for housing assistance? I do not understand.

        We don’t even make enough money to grease a few people.

        Mother of Mercy!

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  3. Gorgeous lilies for the day. “:D 😀

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    • Yes and I just took a bunch more from the back deck to the backyard. I always forget about the backyard daylilies, there there are even more of them than in the front garden — and they get better light, so they bloom a bit earlier. I’m going to process them now.

      Like

  4. I’m on the floor ‘between the chairs’ right along with you. I make about $100 too much to qualify for medical insurance assistance. Yet they still hound me to death about applying for it. I just mentally roll my eyes and toss the notice in my trash bin. I’m $100 too rich. So why does it feel like I’m ten million too poor? I wish I had some of that ten million. I’d share and all.. Take care Marilyn. Something WILL turn up.

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    • I’m working with two other banks and hoping ONE of them has a heart. I added it up and realize — on MEDICARE — I pay out almost $3000/year for EACH of us. I had to do the additions for the bank loans and I was appalled. At least you can’t be too rich for Medicare, but you can be too poor to pay for it.

      Like

  5. I clicked “like” on this post, but I don’t like the content. I’m sorry that your financial situation is the way it is, but as you’ve said, you’ve somehow always found a way to survive, and I hope that will be the case once again.

    Like

  6. It shouldn’t be this hard but no, you can’t be homeless, especially not now. Mortgage first and somehow the rest will get worked out.

    Like

    • I also called the contractor to see if there was some way to repair the boiler, keep it running a few more years. It depends on how corroded it is. We are in a COVID 19 setup right now. We have six months where we don’t have to pay the mortgage and at the end of the six months (November), we can get another six months … after which “we work something out.” Frankly, the only people who have been nice to us IS the mortgage bank.

      I suspect they really don’t want to start evicting people. SO many people are out of work, if they throw people out, they’d have millions of empty houses that will just sit there and rot, so mortgage banks are trying really hard to find ways to keep people housed. A massive wave of empty houses won’t help anyone, not even the banks.

      Liked by 1 person

      • No, it’s not like they can sell the houses off even cheaply. They are better off keeping people in their homes. That’s not just being nice, its’ just facts. In some ways Covid 19 has been a good thing financially. There are so many newly unemployed that things have to be done differently. My income has doubled since it started. It will go back to previous level in September so I’m trying to get a few jobs done too.

        Like

  7. The 0% is just for the banks Marilyn. Here you will be paying quite a bit above that to get a loan of any kind.
    Leslie

    Like

  8. Oh, so sorry to hear this. I’d pay the mortgage and figure out another way for the boiler. You cannot afford to lose your house. Protect that by all means. Can AARP be of any help in making suggestions for companies that are kinder to us seniors?

    Like

  9. There are far too many who fall between those particular chairs. Here too.

    Like

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