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Originally Posted by safari
This is what I call living dangerously. The bonus money is not guaranteed. What happens if his next bonus is $30K or $25K? You would default on your mortgage payment. I think selling your house now is the best option. You need to build the emergency fund ASAP.
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We do have an emergency fund, just not 6-8 months yet. And to be honest I'm not sure what we'd do if his bonus went down.
I admit it, we are living way above our means. Never in a million years would I have thought I would be in this situation. But I am...I will not be made to feel guilty. I am an intelligent person and we as a family have made some bad decisions. We are working on them right now. I am not complaining, I simply came here for advice to remedy my situation. We are not bad people, we have just made some bad decisions. I am sure we are not the only ones.
I have taken most everyone's advice, and I will continue to do so, when my Dh and I talk about it and research it. Things will get better, we are determined to get to that place where we are not charging anything. We have a positive attitude about it and look forward to that day.