My Neighbor Scare Me!

[Music] brought to you by the every dooll app start budgeting for free today my question is about our house and whether it's okay to sell it or if we should sell it um it's a little bit of a complex situation uh we bought the house two and a half years ago and it's a 1940s home that needs a lot more work than what we had anticipated so it's going to take us longer to update it than what we had anticipated but um along with that we have a lot of really great neighbors but we also have one really awful neighbor that um is really making me want to move um but I we want to make a good financial decision and not just an emotional decision okay but sometimes emotional decisions aren't bad are you unsafe in your home um I don't know so I I think we're okay but um I can hear in your voice tell tell me what makes you think you you you might not be safe it's with a neighbor the neighbor that you're talking what what's going on yeah they're just really um they're hostile and aggressive and a little bit unpredictable in how they behave towards us particularly around one situation where um they really want to control where we park or our delivery drivers park or anybody who comes to our house parks on the public Street between our homes um so much so that they've called the police on us twice for parking where they don't want us to park um what did the police say um the police the first time they went he came over and talked to us after talking to them and said hey you're not doing anything wrong um they just just make sure that you're being neighborly which we have been um up until about today when I ignored the neighbor because um he comes outside and is very chipper and is like Hi how are you but after having a runin with them this weekend over parking during our garage sale um I anyways um they just they feel very unpredictable here's the deal I want um when I turn onto my street to head up my driveway I want my heart rate to start to go down and that means my marriage has to be healthy that means my relationship with my kids has to be healthy that means I have to have mowed the yard when I said I was going to Tak the trash out like all the stuff that also means I have to be at peace with my neighbors yeah and so that's a part of the homeowner experience now if you say hey there's no chance that we can sit down at a table and say hey we're neighbors like like can we talk this out if that's not possible it's not possible then have a hard conversation but I wouldn't go into debt I wouldn't do anything stupid with my money but if I'm tired of coming home to an unpeaceful neighborhood or un peaceful home yeah I might consider moving yeah okay so the home Hannah what's the the money situation what how much do you guys what Equity do you have in it do you have money saved where where would you go I mean what's what's the numbers around that I think that's part of the tension of it um I think we would have to rent though I think the home is worth between 550 and 600 um our mortgage is about 420 on it we do have a little bit of well not a little bit we are on baby step too um and we have a $90,000 fck and then a little bit of um credit card debt for a business um how long have you been married uh almost 15 years okay what's your husband say about about the neighbors um he's overly optimistic um there's been a couple things like he wants me to still be friendly with them um today when I told them I just waved just out of kind of politeness that wasn't real friendly with and his first reaction was a like and it was disappointed but I I told him I just think that they're manipulating us and um and I don't even want to talk to them anymore that's a fair boundary to draw it's a fair boundary and also I'm not going to give up my dignity for somebody else yeah you know what I mean I'm not going to give you that yeah and that's where I'm having a really hard time because when I had an interaction with her this weekend um I was physically shaking because I didn't know how far she would escalate um so it's just um I don't want to live near them but it's it's like to have to move for just that reason alone and so um and it's not just that reason I I dream of something different but um if this is the case if you were my wife and you came to me with this challenge I would sell the house this weekend and we would rent for a while because hey here's the deal this transition is going to come at a cost some shape form or fashion and um can I use you as an example not to kick you while you're down but just to kind of paint a picture sure um this is one of those exact reasons why we tell people don't take out a HELOC because you never know when you're going to have a neighbor that wants to burn your house down right and it's like you know what I'm gonna that's why we tell people do things at the speed of cash and yada yada yada we sound like a broken record but what we're doing is we're giving people margin in case something happens which something does happen um and so but if you sit down with your husband say I don't feel safe here anymore either he's going to go next door and say hey can we just talk about this like adults uh and come to some sort of understanding here my wife's scared y'all y'all don't y'all hate us as neighbors can we just solve this or all right we're going to put the house in the market we're going to go and we're going to rent for a couple of years we're going to save some money up we thought we were going to do the cool old house with lots of quirks but we're going to fix it up and that we're not those people yeah because is there more to be done Hannah More Than This 990,000 HELOC would you guys have to put more money into the house oh yeah there's a lot I mean like so it kind of feels like a lose lose bad purchase Bad Neighbor situation right yeah um do you guys so you guys have some credit card debt do you have any money saved um just the $1 thousand emergency fund okay so if you sold this house you could use equity and clean up everything look at each other and go we are not those people we're not HGTV people we thought we were but we're not so cool we're going to rent for two years save up you'll walk around with around 50,000 in equity um that'll go down some with realtor stuff and you know fees and commissions but you'll walk away with some and yeah and I think you guys um R for a while and there may be a it may be a start over process for you you know um but again that the peace of mind is really big Hannah and I mean you were like shaking talking to us and I it may I don't know if it was CU you're were nervous because me and John or the situation brings so much emotion but I heard it in your voice and so there is a peace of mind there and the fact that this is a money pit of a house it just wasn't a wise purchase right so yeah looking at other options it might be the case and knowing that you'll be renting for a bit but if that brings peace of mind 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