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Hi all! I have recently been lurking again and decided to post about my current situation, about 4-5 years ago I was in a relationship, living in Florida and trying to get my finances under control because we were planning on getting married and moving to Arizona after my daughter finished high school. Anyway, that didn't work quite the way I planned, he left to pursue "other interests" ie 20 year old chick from his office and while I initially had a rough time financially due to losing his income, I rebounded and got back on track.
I met my current SO about a year later at a high school reunion and we did decently for about a year of living together but had to move when our landlord sold our rental and ran smack dab into a hugely expensive rental market in our area, for the next year we paid close to 2000 a month in rent which absolutely killed my debt payments and it was awful.
In October of 2015 we drove up to Alabama to visit his dad for a week, his dad had bought a new Silverado and gotten stubborn when they only offered him 1500 for his older Suburban, so he wanted to give it to his son instead, that's why we were there, to combine a visit with picking up the Suburban. Anyway, after talking during the week about how even with a combined income of over 80,000 we were working crazy hours and just barely getting by, he made us a great offer.
He's 72 now and was drawing SS and working full time mowing and wanted to slow down and not work so much and travel some more. His home is a beautiful old farmhouse on 5 acres and used to be a pecan farm. He said that my SO was going to get the house when he dies anyway and if we wanted to move here now and take over the expenses then he just wanted to keep his room. His mortgage is a private mortgage through a friend it's 167 a month at 1% interest, he only owes about 22k even though he bought it 6 years ago after his wife died. I liked his dad a lot and he didn't have a problem at all with my son moving with us, he is 12 now. So we talked it over for a few months and I talked to my ex husband about my son and we decided to go ahead and make the leap.
Oh man the first year was both awful and great lol, I couldn't transfer jobs but SO was going to work mowing with the company his dad worked for, they had a huge account with a lakeside golf course community. So even though I was cringing the whole time I cashed out my 401k and pension. The 401k was pretty small from a withdrawal I had made after the first breakup, I used that to move, the pension I was going to use to pay my bills and live on until I got a job and then use the rest to remodel an old addition on the house which is where my sons room will be.
Unfortunately I did not find a job for 7 months! I have never seen anything like it, I've always had a job, I started posting ads to clean houses while applying everywhere online. I got cleaning jobs here and there and ended up having 4 regulars, but it was nowhere near enough to live on. In July I finally started my job which is 54 miles away, we live in the country, I only make 33,000 to start but now that I have my own territory my income will be going anywhere up to 60-70k. I am finally seeing where I will be able to buckle down on the debt, getting the addition finished and now rebuild my 401k again. My SO got a good job as a site manager with a custom builder and he is also making more money now.
For now he is paying all of the house bills while I pay debts and things like car insurance and cell and all 3 of us take turns buying groceries. We are fortunate that now we will be in a fully paid for house when we retire which has always been my #1 goal.
I met my current SO about a year later at a high school reunion and we did decently for about a year of living together but had to move when our landlord sold our rental and ran smack dab into a hugely expensive rental market in our area, for the next year we paid close to 2000 a month in rent which absolutely killed my debt payments and it was awful.
In October of 2015 we drove up to Alabama to visit his dad for a week, his dad had bought a new Silverado and gotten stubborn when they only offered him 1500 for his older Suburban, so he wanted to give it to his son instead, that's why we were there, to combine a visit with picking up the Suburban. Anyway, after talking during the week about how even with a combined income of over 80,000 we were working crazy hours and just barely getting by, he made us a great offer.
He's 72 now and was drawing SS and working full time mowing and wanted to slow down and not work so much and travel some more. His home is a beautiful old farmhouse on 5 acres and used to be a pecan farm. He said that my SO was going to get the house when he dies anyway and if we wanted to move here now and take over the expenses then he just wanted to keep his room. His mortgage is a private mortgage through a friend it's 167 a month at 1% interest, he only owes about 22k even though he bought it 6 years ago after his wife died. I liked his dad a lot and he didn't have a problem at all with my son moving with us, he is 12 now. So we talked it over for a few months and I talked to my ex husband about my son and we decided to go ahead and make the leap.
Oh man the first year was both awful and great lol, I couldn't transfer jobs but SO was going to work mowing with the company his dad worked for, they had a huge account with a lakeside golf course community. So even though I was cringing the whole time I cashed out my 401k and pension. The 401k was pretty small from a withdrawal I had made after the first breakup, I used that to move, the pension I was going to use to pay my bills and live on until I got a job and then use the rest to remodel an old addition on the house which is where my sons room will be.
Unfortunately I did not find a job for 7 months! I have never seen anything like it, I've always had a job, I started posting ads to clean houses while applying everywhere online. I got cleaning jobs here and there and ended up having 4 regulars, but it was nowhere near enough to live on. In July I finally started my job which is 54 miles away, we live in the country, I only make 33,000 to start but now that I have my own territory my income will be going anywhere up to 60-70k. I am finally seeing where I will be able to buckle down on the debt, getting the addition finished and now rebuild my 401k again. My SO got a good job as a site manager with a custom builder and he is also making more money now.
For now he is paying all of the house bills while I pay debts and things like car insurance and cell and all 3 of us take turns buying groceries. We are fortunate that now we will be in a fully paid for house when we retire which has always been my #1 goal.
I edited your post a bit for it to be easier to read. 
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