I just can't seem to get over the disappointment of not being able to pay off my mortgage as soon as I would like to. I know it isn't that big of deal in the grand scheme of things. There are a million more important things in the world. Watching the people in Haiti still stuck in their tent cities makes me feel like a whiny baby for complaining about my old mobile home. So what if the pack rats are slowly destroying it, at least it is safe and warm and dry and it is mine.
I started looking at used manufactured homes online again. For $25k I could get a 3 bedroom in good shape. The only problem is that when moving charges, set up charges, skirting, A/C, etc... are added, it costs as much as a new manufactured home. New MH can be financed for reasonable interest rates where as the used ones need to be paid in cash or financed at say, 12% in one example that I saw. The new MH that I remember looking at with my parents last year cost $48k all set up. But the reason I didn't pursue that was because for $15k more I could get a simple site built home, which is what I really want. That means I am back up to $65k and that is way out of my range right now which means I would need to get a construction loan. Banks want 20% down and 10% more available plus a well which costs $35k. And round and round I go.
Maybe if I just fix a few things around here I will be happier living here. Two things that need help are my sink which is still precariously perched on the cabinet below it and my shower which needs a longer pipe and a shut-off valve that doesn't leak. The leaking shower drives me crazy! Perhaps tomorrow will be a good day to attempt some plumbing renovations. It certainly would do good things for my morale...assuming it all turns out well.