sorry my site is down. ARRRGGH!! we have no connection at home at all. and that is where the server is. our isp thinks that bell satanic was messing around in our area and disconnected us. we have been dead since 3:30pm yesterday. there wasn’t much our isp could do over the night sice they had to wait till business hours to deal with covad and bell satanic. cross your fingers that is is up real soon. i am already grumpy and stressed our – i don’t need this too. i need hugs. i was near tears last night when we were talking about how tight it would be money-wise if we got a house. i just want to go home and sleep. i have gotten so little the past two days. i feel like banging my head into a wall. |
Stvlive.com
Sends a *hug*
Lots of people are “house poor” … the anguish is whether to buy more house than you can afford to get something you kinda like, suffer with tight money, and hope that payraises make it easier
or wait til you pulled together more of a Down payment.
or buy smaller, “starter” home.
Tough choices … for what it’s worth, I have always tended to base the buying decision on what one income could support. Otherwise, you get locked into having to work to support the house.
much hugs..
I hope you get things worked out!! It’s soo tough deciding what do when thinking about buying a home! You may have to go out to no civilization just to save some bucks! We had to..but I like it! It’s only 30 minutes to the city! So, it’s not that bad!!
I remember I was ready bang everyones’ head against all walls when we were in that process! Believe me it all gets better down the road [the money you will always need]! We’re still young, girlie! Good Luck!!
much hugs!
coral
hugs
*lots of hugs for you*
Don’t let the house problem get you down. Look on the bright side, at least you aren’t one of the homeless living on the street.
You may have to look somewhere out in the boondocks, or possibly get a fixer upper. If Dan’s not handy (or even if he is) that could be a nightmare though. As coral pointed out, you’re still young so don’t worry. You may just have to wait a little longer to find the right house for you.
*hugs hugs hugs*
It is really really hard to buy a house.. I know, we tried. 🙁 I cried too, but it was neat when we were able to find one to rent. It is almost the same thing… we’re renting here for three years. I know! Just come live with meeee! You can have all my toys, I promise. 😀 *hugs!!!*
-hollybear
Casas….
Buying a house shouldn’t be so difficult. Seriously, if so few members of the population can do it, doesn’t that say something extraordinarily shitty about the state of our country?
Can’t offer hugs from here, how ’bout a doggy slurp?
<<<< slurp >>>>
Now go get a napkin and wipe off your cheek.
I totally understand about the house, but maybe this story would help your
decision. My parents, who really did start life poor (Dad was in Navy), have
done really well for themselves over the past few decades. So they decided
to build their dream house in the country about five years ago. They
budgeted what they could spend with both their incomes. Very nice place,
outside the Circle T. (Ross Perot’s ranch). A year after the house was
finished mom lost her job. Before she could find another she got sick
(vision problem) and still hasn’t found another position. They then couldn’t
afford the house because they budgeted on a dual income (even with an
emergency fund for short out of work issues). Compounding things was my
sister becoming pregnant.
Houses are usually not something that can be sold quickly, (rule of thumb,
it takes one month per every 20 thousand the home costs). Which means early
on, when most couples are strapped, you just can’t sell quickly to overcome debt or missed payments. Which means
a few months after an unexpected emergency and your likely going bankrupt. Even when it sells, you don’t
have much equity in it to pay legal fees or start new someplace cheaper.
Luckily I went through an early midlife and was working to return to school
(meaning I spent a long time developing a large amount of savings). Heather
has recently found a job that will allow her to pay her’s and Mia’s expenses
(sort of). Dad’s company promoted him so now they don’t need dual incomes.
So everything has luckily worked out. But that simple error in judgement
combined with suprise circumstances could easily have broken all of us.
Message is, try not to stretch yourself for neccessities like autos or
homes. Not having to worry about mortgage payments will mean a lot less
stress. Think about this, of all the times you’ve ever seen or heard about a
parent getting mad at their children what is the usual excuse. Stress about
this or that. A lot of times stress about money matters and paying the bills. Compromising now could mean
happier childhoods for future rugrats. Kids don’t really care where they live as long as they’re
loved.
Have ya’ll thought about condo’s, which will allow you to build equity
faster with a smaller monthly payment. You could sell it in a few years and
use the equity as a substantial down payment. This would also allow you to
pick a place near a nice school for your future rug rats because who knows
what school will be acceptable 6 years from now.
This sounds like preaching, sorry. But my family isn’t unusual. I see
situations like this all the time because I used to pull credit reports in
my business.
s.g. (aka muttly)
p.s. check your box in few weeks, sent a nic-nac and stickers for your
b-day.
Hugz to you Stephanie!!!!!!!
I’ve been stressed out bad today to, stomach is tied in knots from the stress. I went to the doctor today and things didn’t go well. Nothing serious healthwise, but I just don’t understand what the heck he was thinking. Grrrrrrrr. Nerves are tore all to hell. I email you later, after you get back up and running on the site.
It takes time to get a house sometimes and I know it is tight moneywise. My 22 year old son bought a house last year (<$1oo,ooo in NC), with a wife in high school at the time and a baby on the way (Bryce- who turned 7 months old today) and he has really had it tough. Thank God he got promoted at work and got a raise. Hang in there, you'll make it. :-)