It’s time for an update on life.
No, I guess that is only half of me. The other half is excited as shit.
This whole house thing, it is freaking intense. I should totally know, that’s what I did these last couple of years, working in real estate and helping people cope with the massive stress from all the shit involved. Contracts, negotiations, waiting periods, inspections, it’s nothing like buying a car. I will return to my life in real estate and elaborate on all the super-stress another day.
But the years of struggling before you’re finally even able to buy a house, not really an expensive prep class for that..
All in all, I think we’ve done okay, maybe not the best we could of, definitely not living a beans and rice lifestyle like Mr. Ramsey would scold, but we have been paying on-time and plugging away at the excessive amounts just he would suggest.
Then one day, even though we weren’t exactly ready and our lease in not even up until for another year and a half, I decided to go check out a neighborhood with USDA loans.
Just for shits and giggles, as my older kin would joke.
Why so funny, because we have been turned down for nearly the last decade, mostly our on faults, but I was not expecting anything but a home tour and a free bottle of water.
I know all you fiscally conservative super-beings are thinking:
“Dude, just save for a down payment and fix your credit.”
I know somehow families of six live all cushy on one income, but it rough as fuck here. There is so much fighting sometimes, it is just EASIER to give in and splurge. And those damn credit cards, they just literally saved our ass sometimes, what are we to do?
So that is where we have been for the last 3 years, just coasting on life, with a huge townhouse lease, making little splurges here and there to keep the peace with these ever-growing kids.
It doesn’t help living in the south Puget Sound area, which is feeling the housing market crunch heavily from Seattle. People who have been priced out are flooding this area and it is, in turn, making the rental prices outrageous. Let me repeat that.
Anyways, I made that dream-board trip to the model house in the neighborhood, actually, to be honest, it was just one of those “trips” out to be alone for a bit like any other sanity-deprived stay at home parent, without having to wander a grocery store. Sigh, my life.
Of course, he did his sales script, nearly from memory. He’s kinda a young super-motivated guy, but I can tell his motives, his two little ones on his cell lock-screen. I also know this routine, so I decide to play along and tell him I don’t want to waste too much time, but sure give me some info.
Of course, you know what I am leading up to.
But we’re not there yet, not by a long shot.
Pre Approval, Pre-Qualified, Contract…even a custom door mat don’t mean shit unless we get funded.
So, in leading into anther thing that I have been obsessed with, I have to say I have joined the YNAB cult.
What is that you ask?
It is called You Need a Budget, an app…a mentality…an obsession, like I said. I need to do a post on it alone, to do it justification… in the future, because I think I need to blog more too. (/sidenote).
You’ll love it and hey, here’s the YNAB user handbook to take a gander over it if you’re interested, because it is $5 a month, but totally worth it!
If you’re a pen and paper kind of gal, you should check out a budget planner like this one on amazon, pretty cute and compact.
And if you happen to know me personally, (and happen to be reading this, wtf??!) you are probably thinking wtf?? Housing development? Small(er) yard?? You done sold out :/