THE CUTEST HUSBAND CONTEST!

Sorry Ladies,  but today I have to give the award

to my hubby! 

Last night ....

we found out some discouraging news from our realtor.....

this market has forced the value of our home down from almost

500,000 to the low 300's...

ouch!  i know.

we luckily owe closer to the low appraisal amount...

but just not close enough.....

We probably need to short sale our home...

which is ironically, not a short process at all.

We have stellar credit right now...

we always have.

Our credit has always been a great source of pride for us.

No matter what we have had to do...

to stay on top...

we did it.

Some years it was so easy that it didn't seem fair

when looking around at others' situations...

so we took our great blessings and spread them around out of gratitude.

Some years we had to definately focus harder on our own 

financial well being...

That's the thing with being self employed...

It's feast or famine...the whole chicken or just the feathers.

Either way we always  pulled together and did what was needed...

for us or for others...depending on the season.

I went back to work when needed...

He worked harder and longer hours when needed...extra jobs in the winter....

Anyways..........

last night , after talking to the realtor about our options,

we were less than thrilled...it was more like a blow to the chest.

Short sale means we still hold up our end of the bargain by continuing payments..

but it sells for less to someone else  and our credit takes a hit.

After all we are trying to do....

the extremes we are going to....just to make sure we can continue to make all our

payments on time ......  Our integrity in doing that was sooo important to us.

....and afterall- we will still recieve the bad marks on our credit..

making it harder , obviously, to buy in the future...and get a descent interest rate.

This is definately not how we had it all planned out.

This is not the picture we had in mind.

We were standing alone in the kitchen...

It was super quiet and the air was thick...

i was fighting back a breakdown...i think we both were...

and then...

My adorable husband turns to me and says..............

WE ARE MATT AND SHELL...

WE WILL DO  WHAT EVER WE HAVE TO.....

AND THEN, NO MATTER WHAT, WE'LL BE FINE!

JUST LIKE WE ALWAYS  HAVE BEEN!

oooh,  i am sooo in love!

 Team Hawker-

Families are Forever!

 xoxo   - shell