In  most cases I'm the one encouraging people to look to the brighter side of a situation, but you know, even I have my times of discouragement. And in those times it's usually my mother who is to me what I am to othesr. Like a lot of people, I'm upside in my mortgage. On top of that I NEED a bigger housee--notice the emphasis on "need". Right now I can't qualify for another mortgage on top of the one that I currently have. So where does that leave me--stuck! I absolutely hate that feeling. Here are the options I've considered: wait for my credit to improve, then apply for a second mortgage and rent my house; let my house go into foreclosure, then try to buy another house for cash; file bankruptcy, rent a house or apt and wait until I'm eligible to apply for another morgtage; stay put where I am and make it work for me.

Every option irks me for one reason or another. I absolutely DON'T want to be a landlord again, at least certainly not having a mortgage on the property. As far as waiting for my credit to improve, I don't know how long that's going to take and in the meantime I'm still stuck in my current house. Considering foreclosure makes nervous altogether because there seems to be no asurity that I won't be sought after years later for any monetary responsibility plus it just doesn't feel right to me. Lastly, renting is like a joke when you've been a home owner for nearly ten years IF you don't really have to go that route. Throwing money away is certainly option for me at this stage in my life. So where does that leave me?

Exactly in the place that my mother suggested to me today--my home. "You already have a home, Charmine. You just have to make it work until the situation changes," she says reassuringly. As she consoled me with this logic, I didn't want to agree aloud, but I knew she was right. My situation is not as bleak as I'd like to make it out to be. I'm a home owner. Sure I'd like more space, but as it currently stands I'm not in a position to buy a new house. And until I am I have to be greatful for what I have and I have to make the best of it.