Stress affecting all kinds of things. - trying to maintain.

PixelPuff

Long story short, we are trying to refinance a house loan to get me off of it. Co-signed with step-dad, owner-occupied loan so I am stuck there until off of it. We rent out the other rooms [and I get no extra money from this, I didn't even know what the mortgage was until recently - it is now another reason why I want out]. I feel stuck, and this is our final try at refinancing. We even did a huge remodel [which I absolutely hate] to try and increase the value we may be appraised at. I was told that if the loan doesn't come up to what we want it to, too bad - this was our last try.

[EDIT; They want me off now, too, so they can rent out my room for even more and get an even bigger profit - one roommate pretty much agreed to pay the mortgage for my room alone, unknowingly]

So basically, I'm stressed. Step-dad himself is incredibly overbearing. I'm 25, I pay about half the mortgage on this house despite the other 3 rooms ALSO paying enough to cover it in total plus extra... Yet I can expect no privacy. If he wants to go into my room for something, he will. I have less privacy than the other tenants. No, I do not even live with them. But this pretty much amounts to 'surprise inspections' if he does need something, where-in he will *kitten* at me after. I've been reamed for having laundry on the floor. Yep.

I'm stressed af. Trying to keep the rant part short, as good as I can get it with my lack of sleep. I don't know what I'll do if this refinance doesn't go through. Our adjuster was here last week [thursday], have to wait to hear back. This is wreaking havoc on me. I need out of the house, out of this town, and generally away from this whole area [step-dad refused to co-sign anything unless I went with his pick, in the tiny town they live in, a house I could never even afford on my own without having roommates - ever. I can afford a 2-bedroom apartment on my own, even, augh]

I am in huge spurts of wanting to binge everything in sight, to wanting nothing at all what-so-ever [I cooked so much food today that I didn't even wanna touch, went straight to freezer]. My weight is freaking out because of it. All kinds of up and down, it even stopped my period mid-go [tmi but too bad, relevant].

I need some tips on coping with stress. I have anxiety issues to the point it threw me in the hospital earlier in the year [I began hallucinating as I couldn't reach REM sleep from it]. I'm still having major issues sleeping - it is 4:25am. Last night I got 2.5 hours of sleep. Night before, I got 4. I just can't sleep. My doctor is very antsy about prescribing anxiety medicine, so I only was able to use what the ER gave me earlier in the year and just try to make it last as long as possible. I'm completely out of the one to take to shove me to sleep [buttload of Traz]. Sleeping pills just make me groggy, which doesn't work well when you actually DO need to head to work on top of the little sleep...

Basically, help? I don't know. Agh. I've got ASMR going in the background of my laptop, gentle music n' stuff. I don't even know what type of motivation or support I'm asking for.

PennWalker

Talk to a real estate lawyer. There's another option to refinancing -- sell the place and then you can get off the papers. Good luck.

zyxst

I know it doesn't help, but it's all I've got for this. Sorry life is sucking for you.

PixelPuff

Jakep2323 wrote: »

Got to agree with the chap above. You can sort the stress but ultimately the problem will still be there - sort the problem to sort the stress. I see that you are doing that. Find anyway you can of getting out of the situation even if it incurs a financial loss - you can always make more money. In meantime, use your workouts - go for a run, hit the heavy bag (probably good right now) use your fitness as a release. I would stay as far away from medicinal help as you can - that is a last resort. Best of luck mate

My work has been adoring my productivity from this stress, I can definitely say that... xD; /works in manufacturing facility, moves around a lot