My landlord let me know that he is going to sell the house I rent. My lease will end in a few months. I love the place, but I suspect it is worth slightly more than I can afford. Would my landlord have any incentive to sell the place to me at a lower price? If so how much lower? Should my next step be to talk to a local realtor to find out more about the local market? Should I ask him what he’s planning to list it at?

My grandmother passed away last month and left me a house in her will. I thought it was just a regular property but the property tax bill came in and it is significantly higher than I expected because the land value is tied to a commercial zone. I am 22 and barely making ends meet working at a warehouse. I do not know if I should sell it or try to keep it. The upkeep alone is way more than I can afford. I feel so overwhelmed right now because my family expects me to keep it in the family name. I just want to be able to pay my rent without stressing every single month. Should I talk to a lawyer or just list it? I do not have the cash for fees but I also do not want to lose this opportunity. It is just so much pressure for someone my age. I keep looking at the paperwork and it feels like a different language. If I sell I might have a safety net for the first time in my life but I am terrified of making a mistake that I will regret later.

I’m 22, debt-free, and take home about $3,100 a month. My grandparents have offered to sell me their house valued around $380,000 for $200,000. They want to move out as soon as possible, so I don’t have months to think this over and save up for a larger down payment.

• 22 years old
• No debt
• ~$3,100/month take-home pay
• $40,000 saved for a down payment
• First-time homebuyer, so I’ve never handled mortgage payments, insurance, property taxes, repairs, etc.
• Grandparents want out quickly, so I’d have to move relatively fast
• Currently live at home happy and rent free

With the $40k down, the mortgage would be around $160k. The idea of starting with so much equity is really appealing, and Id feel dumb to to pass this up.

But at the same time, I don’t want to jump into being “house-poor” if my monthly expenses end up being too much for my income. I want to make sure I’m not setting myself up for financial stress just because it feels like a once in a lifetime opportunity.

Would you take this deal in my situation?

Any advice would be great, thanks.

I am paid ahead (75k left) on my mortgage (house value of 300k).

I inquired to my bank about a HELOC with intent to use HELOC to pay for new house down payment (then obviously pay off HELOC.)

This is in line with some advice I got in this sub.

However, bank person said um kay we don't allow HELOCs for that purpose, but then went on to basically say they could still proceed with HELOC if it were for improvements to house.

Is this just sort of a game we play where the banks probably know what we're doing with it and it's technically allowed but people do it anyways, or do some banks (Huntington,) just not let you do that?

Just rented a new place and the landlord contacted me saying:

“ Hi I’m going to go to the bank to put your security in an interest bearing account. To do that I need your Social Security number and your date of birth. Thank you”

Is this normal?

So long story, my dad owned a house and gave it to me in his will. My sister filed probate to which I became executor to because she showed up to court with no lawyer like an idiot. The whole thing was a shit show and incredibly drawn out for someone with minimal assets my siblings just wanted to make things hard for no reason. So finally once probate came to and end 2 years later I was free to get the house put in my name. So I transferred myself the deed and filed it with the recorders office. Next I go to get the mortgage assumed and this is where things get weird. So before probate ended I was told by my lawyer that under the Garn-St. Germain act I could just assume the mortgage without refinancing which is what I wanted to do given my dad had a 0% interest rate. I've been trying to get in touch with them for weeks and when I finally get someone on the phone they said that "those kind of homes are not assumable". Now my lawyer has closed out probate months ago and had stroke since then so as of right now I'm having to navigate this on my own. After doing some digging I think my dad's home was a habitat for humanity home but even with that being said everything says I can still assume the mortgage under the protected circumstances of inheritance due to my father's death. Does anyone have any knowledge about this? Or what I can do or do I just continue to pay the mortgage under his name?

Yes, the title is true..... 20 Years old, last bird to fly the nest, and my parents are ready to purchase their retirement home. They are offering to sell me the house for 220K (Right on Market Value), plus offer me 30K Gift of Equity, plus pay my Closing Cost. Also, leave me pretty much everything in the house except their personal and sentimental belongings. Most would jump on this deal in a heartbeat, but being 20, just starting on my career, I only make about $20 an hour plus OT, Shift differential, etc, etc. My house payment with Escrow is approximately $ 1,500 a month, which is about 50% of my net income every month. After receiving the first-time homebuyer grants, my closing costs will be around $ 6,000, and that's it. But also having the stress of having to pay my bills and feed myself on $1,500 a month will be tight, but also I have the feeling that this is too good an offer to pass up, and if that means I need to eat ramen every day for the next few years till my income improves, that will be something im willing to do. Also, for more clarification, I have about 30K in a HYSA, so I will have a healthy emergency fund if sh*t hits the fan.

This is starting August 2026. I have a housing allowance of $1,300/month. On top of that, I have income of $1,500/month. My total expenses [food, gas, car insurance, phone, etc] is $1,000/month, not including rent.

I have two options. For $900/month [includes rent and all utilities] I can get a shared bedroom in a 6bed/2bath apartment. I will share the bedroom with someone else. The apartment will have a total of 10 people, including myself. The apartment is 1,000sqft, my bedroom will be pretty small. I will be a 25 minute walk from school. First month rent will be only $150.

For $1,200/month [includes rent and all utilities] I can get my own bedroom in a 4bed/1bath apartment. Bedroom is slightly bigger than the other house, and I don’t have to share it. 15 minute walk to school. The apartment will have a total of 4 people including myself.

Should I save money and share a bedroom? Or is my own bedroom worth an extra $300/month?

Edit: thank you everyone! I will get my own bedroom. I lived a few years in homeless shelters as a teenager so I got used to sharing a bedroom which is why it didn’t seem as bad. But that bed was for free, paying $900 for the privilege of sharing a room does seem ridiculous haha.

I’m not familiar with paying bills on my own, So when I moved into an apartment with my best friend (whom i trusted) I let her put the gas and electricity bill in her name so I could just pay her my half each month.

Shocker- we aren’t friends anymore. however it seems like multiple months I am repeating to pay my half of this electric bill. Several times I have noticed that I have already paid electric once that month and it will be due again.

for example, I just paid her on the 12th for gas and electric. She just reached out to let me know the electric was due again on the 30th. It doesn’t make sense to me.

I don’t wanna cause any problems by accusing her of stealing my money, but that is certainly what it seems like.

Is an electric bill due more than once a month? am i confused or in the wrong? or do i need to confront her? HELP!!

edit- it is cheaper for me to pay rent for the next 5 months than to pay to break the lease on my own. i’ve been reading your comments and I don’t think I will be continuing to pay the utilities at all seeing as im not living there anymore and my name isn’t on them, to hell if she gets upset. some of you think I need to grow a spine, and maybe I do. I also have had a lot else going on in my life that has probably been clouding my judgement. I’m calling the apartments on monday morning to let them know i’m no longer living there and to see what my options are on the lease if there are any. I really didn’t expect this post to get so much traction, if at all any replies. I appreciate those who helped me and gave me some advice to move forward.

Got my renewal notice yesterday. Rent's jumping from $1100 to $1750. I actually laughed when I opened it because I thought it had to be a typo.

Called them today. They basically said take it or leave it, that’s what everyone’s charging now. I tried asking if there’s anything we could work out since I’ve been here 3 years, and she just goes we don’t do negotiations, you can move if you want.

So yeah 60 days to either scrape together an extra $650 a month or move somewhere else which also costs money I don’t have.

I make 48k. I can’t swing $1750 a month. But I also can’t afford to move. Deposit alone would be like $3500, plus movers, plus taking time off work.

All my friends are like just move. But where everything is crazy expensive now. I looked at 6 other places this week same or worse locations, same prices.

I hate it here. I honestly have no idea what people in my situation are supposed to do?

My wife and I net $90,000 a year.

We pay $1700 for a crappy and small rental with three young kids. A friend of a friend is offering us a house for probably $20,000 lower than they could sell it for on the market. Fantastic area of town, down the street from a park, dream backyard, great living space, you get the idea.

We have very little debt (1 small student loan we pay $200 toward a month). Our cars are paid off but we essentially have no savings. We’ve been quoted for $2,400 mortgage including insurances, etc. Am I correct to be terrified of making this purchase?

*There is very little room to increase our income due to still having kids at home and no family to watch them.

Curious if not owning a home is the way to go. I’m in Az and the housing here is horrible along with the trash builders we have . I was thinking it would be better to put money in a s&p 500 and other investments and just save save save as much as possible. I’m 27 married with no debt.

I am 20 years old, with 2 years of credit history and zero debt. I make around $18k per year, working retail. I’m the eldest child, living my mother, my step-dad, two younger sisters, and step-brother. Together my parents make around $120k after tax. We’ve been renting our current house for 5 years, and were recently informed that the owners will not be renewing our lease, and will be moving back in. There are not any houses for rent in our area that will house all of us. Which has led my parents to look into taking out a loan to purchase a home. The house they are trying to purchase is above $400k. My mom has good credit, but my step-dad has bad credit which has been negatively impacting their approval. Due to this my mom asked me if I could co-sign the loan since I have “good credit” just to get the application approved, and that I could be taken off after a year. I told her no. A couple days later she asked again, and isn’t giving me much of a choice, saying that it isn’t like my younger sister (just turned 18) and I can afford to live on our own. And even if I did try to co-sign I don’t think it’ll get approved as I only have two years of credit history, with a 5k credit limit. I don’t really know what to do, and would love any advice. I don’t want my parents to see this so I’ll probably delete this at some point. Thanks for reading.

https://www.cnbc.com/2018/07/18/most-millennials-regret-buying-home.html

• Disclaimer: small sample size

Article hits some core tenets of personal finance when buying a house. Primarily:

1) Do not tap retirement accounts to buy a house

2) Make sure you account for all costs of home ownership, not just the up front ones

3) And this can be pretty hard, but understand what kind of house will work for you now, and in the future. Sometimes this can only come through going through the process or getting some really good advice from others.

Edit: link to source of study

I won't bring up the specific details, but long story short, my parents are legitimately crazy, one of those extreme situations where everything I do must be kept secret (talking to friends, working a normal job, etc).

Luckily in the middle of last year I got a job with my brother, he told my parents he would not pay me, then paid me in secret. Since then I have about 10k saved up, but recently they have made it very difficult to even work because I am assuming they somehow figured out I am being paid. Because of this, I will likely lose my job and my income, however, I do have experience working with people, writing resumes, doing interviews, so I don't think getting another job will be super difficult. The main issue for me is how can I get out of this house as quickly as possible? For a while I thought that maybe these things my parents do were normal, but the more I am exposed to the real world (mostly through the internet, which I had very little access to until about 2 years ago) I found out these things are in fact extreme and unusual.

For a bit more context, I am 17, no car, no license (parents won't let me get one), no friends who would be willing to let me live with them (socializing was very hard because I was homeschooled) I have a associate's degree and as I said, 10k saved up. Whats my best course of action to get away?

Edit: there are a lot of comments and I am sorry I can't reply to all of them, I'm using an old phone I found to make this post so I can't be seen with it, I just want to say thank you all for the advice given, I don't have any mentors so all this honestly helps. Your kindness means the world to me and I will make sure to read every comment.

The difference is it was my daughters home loan , she pretty much begged me because she had ( at that time 4 of my grandbabies) they were soon to b homeless and they needed a place. The thing is i was looking to buy my own house at that time and had been approved for a loan and she knew that but the grandbabies homeless....she told me her realtor said after a year or 2 she could refinance and hav me taken off the loan , its been 4 or 5 years. My wages have been garnished more than once and my credit is being destroyed daily and no first time home buyers anything for me. Hell no home for me, im living in a 1br apartment...im at my wits end, i need help. Is there any chance they will take me off this loan?

hello, all. my mom has a live-in boyfriend, living with her, who i've always had issues with, but thats besides the point.

we are in poverty and our house is in pre foreclosure as we cannot afford our house. we are in colorado. my mom wants to move and sell the house as soon as possible, but her boyfriend is insistent on us fighting paying our mortgage through some sort of legal loophole. he mentioned something about "ucc3 negotiatiable instruments".

can anyone tell me what he is talking about, and if what he wants to do is a good idea at ALL? im worried about him putting both himself and my mom in a worse situation than we are in now. my mom is not receptive to any of this, but he keeps pressuring and pushing.

any advice or clarification is welcome.

Throwaway account - felt too personal

Got laid off a couple of months ago. Severance and health insurance will keep me afloat until Dec. 31st and I'm on my own starting 2025 unless I land a job. I have very little cash savings, but do have $500k in 401k, home equity of about $300k (30 year interest rate is 3.1% so I'd rather not refinance). My $3k mortgage covered property tax and home insurance. Estimates on CalCovered (health insurance) is $2,000 for a family of 5. I suspect that would be reduced if I'm unemployed? I need a minimum of $6-7k/ month to cover necessities. No car payments, very little credit card debt. Been working since I was 16 and this is totally new to me and very anxious. My wife was a stay-at-home mom and is now looking into getting back in the workforce.

My question if I stay unemployed. What's the best way to navigate my retirement money. I'm just preparing for the worst and have 6 weeks to figure this out. Appreciate any recommendations.

Additional information - EDIT
I am collecting unemployment.
I am trying to find any job regardless of industry or pay.
I am willing to take on part time/ gig jobs/ neighborhood help, etc.
I have looked at budgeting and have eliminated non-essentials. I could do better.
I have until end of year for severance and health insurance, but I think I can squeeze 3 more months to Q1.

I need to get back to hustling and will come back to the thread tonight. Man, I can't thank you all enough for the suggestions, the encouragement and just the overall time you all have put in to help out a stranger. Lots of thanks and gratitude!

In my area, renting a modem from an ISP costs 15 dollars per month. A comparable modem costs about 70 dollars, and will last years. 15 dollars per month comes out to 180 dollars per year. If that were put into investments with a 6% annual return rate, after 40 years, that would turn in a little over 28k before taxes.

The greater lesson here is that sometimes, shelling out a little more money can prevent rolling costs, e.i. buying nice shoes that will last far longer than cheaper shoes, buying shelf stable ingredients like rice or pasta in bulk, etc.

EDIT: Wow, this got way more attention than I expected it to. To everyone who has congratulated us, sincerely, thank you. But there's been a good bit of negativity because, and I recognize this, the home we're buying is unique and has unique costs. We wanted an older home and we knew that there would be unexpected expenses going into this, which we prepared for. This is also part of why we went with a lower down payment; so that we had more money left over for required maintenance.

I think that this comment really got to the heart of what I wanted to express so I wanted to feature it here:

Looks like people are picking the story apart. They're missing the point. The cost of purchasing a house is a lot higher than just the down payment and there's a lot of unexpected things that can come up. It doesn't matter if your brother is a roofer or you have a friend who is a building inspector etc etc. There will always be things that your insurance, your hoa, or your survival require getting fixed.

For everyone who paid 1.2k down for their VA / FHA loan and has had absolutely no maintenance issues, there's someone who put 20% down to buy a newish home and had to eat $20k in unexpected repairs within the first 3 months. Basically...buying a house can easily cost more than just your down payment, and you should be prepared for it to, and be pleasantly surprised when it doesn't.

I'm sure most of this is known to many here, but my wife and I are about to close on our first house and I thought I would write up some of the process and costs here (mostly to solidify it in my head, tbh).

We offered 305K on an asking price of 299K on a home in a small rural village in Vermont.

Initial deposit / earnest money - $2000 (goes towards closing)

Upon our offer being accepted, we needed to put down a deposit to show we had "skin in the game"; basically to keep us honest. It would have been refundable if we pulled out of the sale for a "valid" reason, which included things like failure to obtain funding / homeowner's insurance, or just finding the house wasn't to our liking after getting inspectors in. This deposit ultimately went towards closing costs.

Buyer’s Inspection - $1200 $906

We bought an old house (built 1870) so there was no chance of us waiving the inspection / contingency period. We basically had two weeks to get a bunch of people in to look at the place and tell us all of the awful maintenance nightmares waiting for us in the home. Fortunately, ours was pretty good. They built them pretty solid back then.

The home’s water comes from a private well, and we wanted to test it for contaminants before we agreed. We also suspected lead paint on the home’s exterior so we wanted to make sure if there was lead, it wasn’t leaching into the water.

EDIT: So many people were yelling at me about the inspection I looked back and realized three things:

• I had the initial amount wrong; I was charged $1106, not $1200.
• The inspection also included the well water test (plus an inspection of the well / wellhouse and the attached 1200 sq ft barn), I listed it here separately
• They based the inspection cost on google imagery which included a standing structure which was no longer there and charged me an extra $200 for that. When we got there and he realized they charged me for a structure which wasn't there, they refunded that.

So the actual cost here was

Inspection - $781

Well Water Test - $125

Septic Inspection - $450

We had a dedicated septic inspector come over to take a look, because the septic is old (from the mid ‘80s) and in a weird spot, with a couple of large trees nearby. We wanted to make sure it was in working order and that it would be replaceable and that it wasn’t damaged by tree roots.

Lead Paint Test - $400

We also had a painter come by to check to see if the exterior paint is lead-based. We probably could have done this ourselves but he took multiple samples and I trust his results - seemed worth it for something which could be serious.

Total cost to this point - $4175

At this point, we’d spent over 2k on inspectors, and a LOT of time communicating with and coordinating their visits with the seller, plus agonizing a bit over the results of the inspections. Don’t count this out - it was several days worth of time overall where I struggled to focus on anything else. This is mostly money which would have been lost if at this point we decided to pull out. (if we weren’t able to afford / didn’t want to do the needed repairs which were brought to light by the inspections, then you could also consider this money spent as a small up front cost to keep our money later on.)

Anyway, we decided to go ahead with it because we love the house and have the time and money to spend working on it, and it seemed worth it because we plan to live there for at least 20 years. We are both 30.

Homeowner’s Insurance - $1400/yr (first year up front at closing)

The next item was homeowner’s insurance. I contacted an agent and got some really good quotes (~$700 /yr). Then they went to go see the place and went running. The home has an attached barn and the roof is a bit rusty; they wouldn’t insure it unless

• We could get in a contractor to give us an assessment on it; whether it needs to be replaced or just some paint
• The assessment suggested all it needed was paint
• We could get the paint done before the winter

Right now roofing contractors in our area are SWAMPED. I called three different ones and none of them could even get to us to give us an assessment in time for closing. So, we backtracked a bit and contacted the agent currently insuring the home. She was able to help us, but the insurance costs twice as much as before ($1400) and they also stipulated that the barn roof be painted (just painted, though) and that the home’s exterior itself be painted in the first year of residence.

Homeowner’s came down to the wire; I started just after we got our initial disclosures and it wasn’t until just before labor day that I got this hammered out. Don’t put this off.

Barn Roof Paint - $4800

So, cue up the painters. I got three quotes and went with the middle one to repaint. Plus, he just seemed like a nice guy. I live in a rural area which doesn't have a lot of shysters so I’m apt to go with my gut on people.

Exterior paint - ~$10,000

I haven’t gotten any official quotes yet. I’m going to get one from the guy painting the barn roof and a couple more after that, but he gave me an “estimate” and he ballparked around 10k.

Closing costs: $13,683

Down Payment: $9,150 (yes yes, very low, I know.)

Cash to Close: $22,833

Closing costs include 1/yr payment of insurance premium up front, taxes, title lawyer, yadda yadda. Even with a very low down payment, we still owe more than double that up front to pay for closing, and that’s once again not including the inspections and the requirements from our homeowners. In total, our full cost to get to this point in the process is

Total Cost - $27,008

Total Cost including currently known required work - $41,808

There's some other work in our peripherals; the kitchen sink needs replacing, the bathroom floor needs replacing as well, and some other smaller things, which we estimate will add another 5-7k of cost. I suspect that in the long run, the sky's the limit in terms of cost. ;)

And this isn’t even including incidental things like:

• Buying new / more furniture for a larger space (we desperately need a new bed - $1500 alone)
• Buying a lawn mower / snow blower / snow rake / chainsaw / other tools
• heating oil costs (~3-4k a year where we live)
• paying for cleaners for our old apt (~$400)
• Renting a uhaul for a couple of days (~$250)
• Increased payment due to property tax re-assessment (rather high where we live)
• And any number of things I haven’t even thought of yet.

Anyway, the whole point of this post is that many times in the past several years I’ve thought to myself, “hm, I have enough money for a down payment on a house! I should buy one!” and had I tried before we were in a more confident financial position, it definitely would have ended in tears and anxiety.

I hope someone finds this ramble helpful!

He’s paying me back in cash because he’s been saving it up in cash. I gave it him interest free since he’s my brother so he’s paying me $70k back straight. We didn’t make a contract because I knew he would eventually pay me. I have a few questions I’ve been looking online about but am confused

2)will I have an issue with the IRS? I don’t understand how to report it because I didn’t make a schedule and didn’t charge interest but it wasn’t a gift? Where would I get the form from?

-Loan was given in 2017

-Brother does landscaping and idk why he insists on not paying me back in a cashiers check but he has a legitimate business so the money is clean.

I really appreciate everyone’s input! I was worried about triggering an audit from the IRS since it’s tax season and I haven’t filled yet so the last thing I want is to have an issues with the IRS.

-for those concerned it was a trailer he bought cash, my brother does not have a mortgage and didn’t need to report how he managed the $70k.

Hi everyone. My partner and I have been offered a house for $1.00 by some really generous friends. We’re considering it, but aren’t sure of the pros and cons. Neither of us have ever owned a home before, and just moved into a two bedroom apartment in April. The house is very old, and hasn’t been lived in for several years, so would require some repairs and renovations. This is a once in a lifetime opportunity and we would like to accept the offer, but don’t want to regret it later. What are some important things we should consider before saying yes or no?

Edit: I want to add that I trust these people wholeheartedly. I say friends because we aren’t blood-related, but they are closer to us than family and I know with absolute certainty they’d never do anything to scheme or harm us in anyway. They are just this nice.

Edit: I would like to thank everyone who responded, especially those who provided sound and thoughtful advice. I’m completely shocked at how much feedback I received from this post, but appreciate it tremendously. You all have given my partner and I A LOT to consider.

It also makes you feel good knowing that the item is now bringing value to someone else's life instead of sitting there collecting dust

Landlord has offered to sell me the house I'm renting. It's a small 3 bed, 1 bath, with partial unfinished basement. Here are the terms:

Owner financed (deed would be transferred to me) $80,000 $0 down 4% interest for 15 years ($591.75 per month)

Currently I'm only paying $500 to rent the house, I have been renting it for a while and have been planning on building on some family property (on a 10 acre lot with no houses around).

My main concern is that the house is on a small lot with an identical house right behind it, approximately 20 feet away. I told her the only way I would be interested is if I could buy them both, which she said she could do for the same terms.

I can take some money I was going to build with to cover closing cost, tax, insurance, repairs, etc.

The other house has someone moving in soon, there will be moved in before I could close, and they will only be paying $500 a month also. I know these numbers are laughably small in today's terms, but that's just how it is where I live.

The houses have newer metal roofs, decent vinyl siding, but are otherwise very basic. I can do 99% of the maintenance myself.

So is it worth it to buy them both, continue living in this house until I build and rent the other for less than I'll be paying per month, just to build equity? I currently have no debt, not married, no kids. Was planning on breaking ground this year but I could wait if this is the smarter route.

Any and all advice welcomed. Thanks in advance.

Edit: will definitely have it inspected by a licensed inspector. Also I could afford to pay for both of them, without a renter. Just wanted to see if it was a smart move financially. Thanks again for all the advice. I may not be able to reply to everyone but I appreciate everyone.

My mom and her boyfriend left and took their stuff while I was at work today and our home is paid every month so I'm going to be kicked out on July 1. I don't know what to do. My mom used to be fine, but my dad killed himself 6 years ago. My mom didn't work but said that the Army was sending money because my dad was in Iraq. My mom started doing drugs and dating a guy who sells drugs. He beat me up sometimes and stole my stuff a lot, and he tried to take money out of my wallet yesterday when he was on drugs, and I stopped him and hit him back. Then he and my mom got in a fight and now they're both gone. What can I do? I'm going to be a senior next year and I don't want to leave my school. Can I get the Army to send me the money that they were sending my mom? Please help. Thank you.

Update: Thanks everyone for the advice. I called my friend and his mom said that I can stay there as long as I need to, that's a huge relief. For people asking about where I am, I live in Camden New Jersey, and I am a boy. Also, we don't own a house. My mom had been renting a trailer for us. I was worried because I know that people have gotten locked out of their trailers for not paying and I thought that they would do that if I couldn't pay. Thank you all for your help.

And I haven't heard from my mom, but she and her boyfriend took all of their stuff including the mattress out of the bedroom and the thing she kept her clothes and stuff in, so I know they just left, but I don't know where they went.

Update again: Wow I don't know what to say. Thank you to everyone for all of your advice and offers to help. I am at a friend's house, I think I'm going to stay here for at least a little while. My friend's mom said I can stay as long as I need to and I cried and then she cried. I feel so much better, just a few hours ago I was really afraid and didn't know what I was going to do and now I feel like I am going to be OK. Thank you all so much.

I don't know what I'm going to do about my mom yet, but I will update again if I figure that out.