Lots of great replies, I really appreciate them. I can feel your honest and warm thoughts. Thank you so much.
When ever times are tough, I try to think what it's like to be with me. Would I like to be with me? Probably not. That usually sets me in a good mood.
Despite my negative or even desperate tone, I do try my best for the kids. As time is of the essence, I have positioned my enjoyment and meaning of life to provide what I can for the kids. Being somewhat sadistically realist, I see what's coming. First, I need to find a solution to be with the kids, which I do now with all my free time but I somehow need to squeeze more time to be more with them and also get at least some time to myself. I see that being with the kids, I have to force my SO out the house. I've tried it but she's been in too long. I'll keep trying to do that, it MUST work.
Here is my goal: 1) finish building the house. It will sell for more than I've invested in it, so they will make some money from it but, 2) do everything in my power to make sure it will be our home, and then their home. Not just a house to be sold because they can't keep up with it. This is my legacy. That's all I can do, and damned if I fail at goal 2. Why use all this time and money to build a nice house just for them to lose it in the aftermath of losing their husband/father? We moved here, we fought hard to get this land and everything we've done has been hard work, for the dream of getting away from the city. I grew up here. I will reveal to you what gives me peace: knowing the place my kids will grow up, the school, even many of the people and their kids, the playgrounds, the fishing spots, swimming places, outdoor opportunities, all of this stuff. I know it's safe. I know it, I'm at peace with everything knowing this. In short, I can die knowing this, and will do so without thinking back too much, be at peace. Not just lying to myself "they will be OK I'm sure" but actually knowing it. This is the one thing that keeps me going. There is nothing else. All I can say is that some of you will understand what I'm talking about at some point, but hopefully not too many.
In any case... I have calculated everything, all scenarios, and making my own risk analysis of the situation, so even in the worst case scenario, they'd get to keep the house some way. Well... today I had a talk with the situation since we got more bills that needed to be paid and Christmas is coming as well so... to know how we are doing since I've gotten a feeling we're not doing as well as I think we're doing. Remind you I've calculated everything, so I know if I get to work one more year in full health, we have a chance if I live yet another year (I get compensated pretty well even in that situation for at least a year). So... this in mind, and factoring in that they would be able to liquify my assets to pay for the house on top of that, they would have close to 3 years worth of "free" living and mortgage paid, including insurance, energy cost, everything except food.
So... this has been bothering me a while now so I found out, by asking her once again, what the situation is. If I can help her out or something. It turns out not only can't she save ANY MONEY AT ALL for the next 2 years, she figured she would pay around 200 to 300 euros a month after that. What? For .... 300000 years? I was blown away. I didn't get angry or upset. It was like a bomb went off inside my stomach. Now, I had calculated lots of scenarios, but not this one. We are at an advantage to pay as much as possible right now with low interest rates and having virtually no living cost, and kids being so small they are still low cost as well, plus it's not like we are going out on dates. I'm not angry. I'm desperate, shocked and really truly disappointed.
What options do I have left?
a) I can try to work more to fill in the gap, I could probably do it but I wouldn't get to see the kids except on the weekends (but then I'd be building the house so I'd get to see them few few hours per weekend). This seems undoable. I don't want to become more sick until I have to drop off from work to be with them. I need to be with them NOW. I'd love to be with them now more but we'd have no income. Plus, I'd get sicker faster I think. I already see this as a project that might literally kill me. With extra push, I mean a big push, it just might really do it.
b) Stop building the house. Let the dream go. We'd be still left with lots to pay though. They wouldn't have the house to sell even, so they'd be in debt from the get go. At least with option a, they wouldn't have debt. I'd probably have a harder time not seeing the kids... but .. I don't know. Wouldn't it be better to be with the kids?
It really didn't help that she never told me, until now, that she can't save or pay, and that the 0 euro a month situation will be for some time and 200 to 300 euros a month will be the best it'll ever get. Probably not true, but the scale is so off that the 0 euro a month will be a tipping point a road to hell for this project in any case.
I don't know what to do. It seems like I don't have options. When ever I think this way, I know instantly that there is a way, I just don't know it yet. Now, this time? Depressing is a complimentary word.
When ever times are tough, I try to think what it's like to be with me. Would I like to be with me? Probably not. That usually sets me in a good mood.
Despite my negative or even desperate tone, I do try my best for the kids. As time is of the essence, I have positioned my enjoyment and meaning of life to provide what I can for the kids. Being somewhat sadistically realist, I see what's coming. First, I need to find a solution to be with the kids, which I do now with all my free time but I somehow need to squeeze more time to be more with them and also get at least some time to myself. I see that being with the kids, I have to force my SO out the house. I've tried it but she's been in too long. I'll keep trying to do that, it MUST work.
Here is my goal: 1) finish building the house. It will sell for more than I've invested in it, so they will make some money from it but, 2) do everything in my power to make sure it will be our home, and then their home. Not just a house to be sold because they can't keep up with it. This is my legacy. That's all I can do, and damned if I fail at goal 2. Why use all this time and money to build a nice house just for them to lose it in the aftermath of losing their husband/father? We moved here, we fought hard to get this land and everything we've done has been hard work, for the dream of getting away from the city. I grew up here. I will reveal to you what gives me peace: knowing the place my kids will grow up, the school, even many of the people and their kids, the playgrounds, the fishing spots, swimming places, outdoor opportunities, all of this stuff. I know it's safe. I know it, I'm at peace with everything knowing this. In short, I can die knowing this, and will do so without thinking back too much, be at peace. Not just lying to myself "they will be OK I'm sure" but actually knowing it. This is the one thing that keeps me going. There is nothing else. All I can say is that some of you will understand what I'm talking about at some point, but hopefully not too many.
In any case... I have calculated everything, all scenarios, and making my own risk analysis of the situation, so even in the worst case scenario, they'd get to keep the house some way. Well... today I had a talk with the situation since we got more bills that needed to be paid and Christmas is coming as well so... to know how we are doing since I've gotten a feeling we're not doing as well as I think we're doing. Remind you I've calculated everything, so I know if I get to work one more year in full health, we have a chance if I live yet another year (I get compensated pretty well even in that situation for at least a year). So... this in mind, and factoring in that they would be able to liquify my assets to pay for the house on top of that, they would have close to 3 years worth of "free" living and mortgage paid, including insurance, energy cost, everything except food.
So... this has been bothering me a while now so I found out, by asking her once again, what the situation is. If I can help her out or something. It turns out not only can't she save ANY MONEY AT ALL for the next 2 years, she figured she would pay around 200 to 300 euros a month after that. What? For .... 300000 years? I was blown away. I didn't get angry or upset. It was like a bomb went off inside my stomach. Now, I had calculated lots of scenarios, but not this one. We are at an advantage to pay as much as possible right now with low interest rates and having virtually no living cost, and kids being so small they are still low cost as well, plus it's not like we are going out on dates. I'm not angry. I'm desperate, shocked and really truly disappointed.
What options do I have left?
a) I can try to work more to fill in the gap, I could probably do it but I wouldn't get to see the kids except on the weekends (but then I'd be building the house so I'd get to see them few few hours per weekend). This seems undoable. I don't want to become more sick until I have to drop off from work to be with them. I need to be with them NOW. I'd love to be with them now more but we'd have no income. Plus, I'd get sicker faster I think. I already see this as a project that might literally kill me. With extra push, I mean a big push, it just might really do it.
b) Stop building the house. Let the dream go. We'd be still left with lots to pay though. They wouldn't have the house to sell even, so they'd be in debt from the get go. At least with option a, they wouldn't have debt. I'd probably have a harder time not seeing the kids... but .. I don't know. Wouldn't it be better to be with the kids?
It really didn't help that she never told me, until now, that she can't save or pay, and that the 0 euro a month situation will be for some time and 200 to 300 euros a month will be the best it'll ever get. Probably not true, but the scale is so off that the 0 euro a month will be a tipping point a road to hell for this project in any case.
I don't know what to do. It seems like I don't have options. When ever I think this way, I know instantly that there is a way, I just don't know it yet. Now, this time? Depressing is a complimentary word.
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