Budget, budget, and budget.
I (and by I, I totally mean my fiancée and kinda me) am up to my ears in accounting papers. I now understand what I means to be in the red, as when you crunch numbers like we have, the only thing you see is red. Red from being house poor. Red from paper cuts. Red from the rage of losing a prospective home. And the list goes on. I have developed a twitch in my left eye (it’s only slight, but still annoying) from all the stress of home buying in the last two weeks. Between my new commission based job and Christmas debt, I’m not sitting in a great spot right now. I am and have looked at part-time (full-time) work to help supplement my income, but who really wants to work at a McJob when they are almost 30 (?). So my wonderful fiancée, is extra stressed as she is the saver of money. Her name should be Littlefinger, for how she moves finances in our kingdom. I’m more like Jon Snow (before the wall) trying hard to make everything right.
Budget. Calculate on low end income on high end bills. Never get surprised. If you can afford something on a shitty budget, consider yourself lucky. And blessed. And the God of student loans must have smiled upon thee, for art thou debt free(ish). And here I am, arms in the air, screaming,” lawd! Lay it on me!” And a house falls on me like I’m the wicked witch of the east.
Is it three or four heel clicks?
So I have had a few days off, and I’m telling ya, the day’s are killing me. Down time is think time and think time is stress time. So much stress. Gah, I wish buying a house came with strict guidelines (jokes). Or that I could travel back in time and tell my younger self that I need to save every dollar I earn so that when I turn 30, I may be able to buy a house I like.
Now, I’m blessed to have a fiancée who had the right piece of mind to save and now it’s up to her to provide all the money for home buying, while I have nothing to contribute and feel and look worthless while she betters our life. Thank whoever, because she’s saving my mind as I turn older and feel like life should be where my parents currently are (house/ life). Never thought I’d be saying things like that, but it’s true. To make my stress worse, I currently work in a 100% commission based job. Now it’s a fantastic job, that I worked hard to get to over the course of 3 years, but the financial doubts pay check to pay check are brutal. Especially so since the previous position I had worked at had good consistent pays that I could count on. Like I was saying, she’s a saint with savings.
So house hunting has been great for us as a relationship building exercise. Urguments, disagreements and shouting matches about money make us both stronger and thankfully, we both come around. With the help of pizza, beer, and a good movie. I cannot stress that home buying is one of the most loved AND hated things. Make a list, check it twice and edit it when new points come up. It will help you narrow the field down and avoid garbage homes that you both don’t like and waste time going to see it. We learned that early. And boy, I’m glad we did. Even a garbage house looks good when you continue going to garbage houses. It’s not until you find something you both really like that sets the bar and makes everything else look like shit. It’s like driving a Lamborghini after driving a nice reliant automobile for a few laps.
But I will continue this later on!