So much for that. I should have known it was too good to be true. It turns out that I can't get a mortgage because I was an irresponsible person in a bad marriage with bad luck and then had medical bills: I went bankrupt in September, 2005. The old laws say that if you are a good person and reestablish credit and all that stuff, then you are eligible to get a mortgage three years after a bankruptcy. Now - as of last fucking month - it is four years. I could maybe get a subprime loan, but those are a) bad and b) disqualify me from getting any money from any of the low income programs I was counting on to make up the difference between my nonprofit salary and the cost of housing in this increasingly gentrified city. So I can't buy a house. This year, anyway. Maybe, of course, ever.
So I guess I get to stay in an expensive rat infested rental I don't like and sure as hell won't be able to afford to heat next winter (I couldn't really heat it last winter; somehow, I don't think it will be cheaper this year. Heh. Heh heh heh. Funny.) for at least another year. It's either that or find another rental, spend everything I've saved for the last year on moving costs and then not be able to buy a house again because I won't have any savings.
A friend of mine and I used to talk about this place called Bad Girls Debtor's Prison: it's where you go when you do incredibly stupid financial stuff in large part because of the men in your life. We used to laugh about it: Ever gotten car insurance for your boyfriend only to have him total your car? Ever put your husband on your credit card only to have him rack up $5,000 in debt in two angry months? Hee hee! Fun fun! Ever buy a guy a car but then when you break up he doesn't put it in his name and he doesn't get it insured so that you're still liable for that "lapse" in insurance even ten years later? Wheeeee! Ever buy a house you can't sell and the tenant gets further and further behind on his rent to you and the person who bought the house with you, your ex-husband, won't do anything and, since he's not even paying one thin dime in child support, you can't come up with the money to save the house? Ever pay out a fortune to get your child health insurance and then when they need surgery it turns out that what the insurance doesn't pay is still $9,000 and you don't have and never will have $9,000 and, you know, look above if you think the father of that child might step in and help out. Yeah. I love it here in Bad Girls Debtor's Prison. I must love it; I never leave. Because even if you think you've worked for years to straighten all that stuff up and you're doing the best you can and pretty much debt free, driving your ancient car and going to work for a good nonprofit and being nice to everyone and acquiring karma points left, right and center, they still won't let you out. You're in Bad Girls' Debtor's Prison forever, honey, and don't you forget it.