thank you for your advise....I feel very uncomfortable with my boyfriend because he has done things so different from me...like the opposite. I have taken risks and he hasnt so he has paid off his mortgage and has a good retirement.
We are both in our mid-50's and I keep thinking that by the time real estate goes up again..it'll be a long time so I am stuck with these houses. I have regrets over that selling when the market was good or when I bought my present home 4 years ago..I could have sold my other house for about $600-650,000. Now its barely worth about $350,000 or $400,000. barely what I owe. I dont know if real estate will ever get that high again.
I will look into my other debts and list them here. Some I am not paying any interest on and have used for business only when my business is slow and I need to pay something major. I am trying very hard to pay off, but this year both my houses were vacant for a couple of months and one tenant nearly destroyed my house and I had to make major repair.
Will come back later...thank you so much for your encouragement.
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