July 9,2020 COVID-19- Decisions decisions

The chaos continues and I need to rethink my living conditions and financial situation. My IRA took a big hit when this chaos started, and although Andrew (my financial guy) has recovered most of it, I stopped taking monthly draws to help build it back up. The market is up and down like a yo-yo, so I am looking at the best way to cut my expenses. I MUST keep my car, no negotiation there. The only other thing I own is my RV and I really don’t own it. I can afford that payment, but when you add lot rent, electric and insurance,  the cost doesn’t justify the means. I still live in an RV, on blocks, not tied down, in FL, 7-10 hours away from my babies. I’ve sent a certified letter to the bank, begging them to renegotiate my loan, so they will release the title and let me sell it. Now, the waiting begins. 

Today is July 25th, I still haven’t heard from anyone at the bank. Patience is not one of my virtues. I’ve left a voice message on Ricky Aubreys phone. He was the loan officer I dealt with at the Bank of the West (Essex Credit division). The next time I called a week later, I left another message for him. The 3rd time I called,  it said his mailbox is full and it transferred me to the “Corporate voicemail”. I still haven’t heard from anyone. I’m sure the automated threats will begin once they realize I’m only sending them $1 a month! 

In the meantime, I will rent a climate controlled storage unit here in SC, have Mr Charley drive back to FL with me, rent a U-Haul truck & clear out my stuff. 

If I haven’t heard from the bank by then, Iwill put my place in storage until I can sell it. 

I pray it doesn’t destroy my credit. I’ve busted my butt to keep my credit good for many years. I’ve tried to do things right &I keep getting screwed.

 Lord, I’m trusting you to help me get through this.