Even if it’s too late to appeal now, keep in mind for future.

Hmmm I actually work at a teach online job that pays me 19 usd per hour atm and I am on the lower end of the payscale. So there are some options. I’d be happy to share details via email if Mrs. Frugalwoods is ok with it.

If your husband is running his blog as a business, you can deduct eligible business expenses regardless of whether you take the standard personal deduction. Business deductions and personal deductions are treated differently.

You are no longer required to live on site when you have an accessory dwelling unit in Seattle. My neighbor built one and doesn’t live there so I checked up on it in case we wound up with troublesome renters :}. I think it’s fairly new rule since housing has become such a problem, the city wants to encourage density. Love your neighborhood! Congrats on the pending new baby. I hope you are able to come to decisions that work well for your family.

Thank you for the recommendations. Very helpful.

Essentially, you could sell your house and buy a gorgeous house in my state of Pennsylvania and in many other lower cost areas of the country for $250,000 and never have school loans, credit card debt, debt to any family members, or even a mortgage ever again! To top it all off, as university professors at a state school, your kids could go for free and you and or your husband could go back to school for free too. With your extra $50,000-$100,000 you could probably even buy a rental if that’s what you really want to do. Once your house is paid off, one parent could stay home and watch the kids and renovate the rental in the evenings. Realistically, most people can afford to live on about $50,000 a year in rural America, so you should be able to stash away a ton of money within ten years if you both wanted to retire then, you should be set! I would sell that house ASAP! The bubble won’t last forever and since you don’t love your jobs or the area it would make sense to relocate to a much cheaper area before your kids start school. I agree- don’t factor in any inheritance unless it actually becomes yours!

Hi Adrianne, thank you so much for the offer! That is super kind!

We are also Those People, but have found that our local Freecycle page is a great way to give things away (or to find them, if you’re looking for something). It is a website, rather than Facebook, so you might see if there is a local Freecycle group near you!

As a fellow Seattleite I will say they could not sell the house and rent somewhere cheaper unless that somewhere cheaper comes with a commute even more lame than she said (think 1.5 hours each way – I am not joking here people). A very small studio apartment will go for $1500 in a much less desirable neighborhood than hers. Housing, groceries, and daycare out here are insane, and while they could even rent their house out for probably almost twice their mortgage, they wouldn’t be able to find a less expensive place to rent. I was so excited to see a case study from someone in Seattle as many of the costs out here as so much higher than for things I see in other case stories. I can relate so much better to this and am looking forward to the comments.