We Bought Ourselves A House

So, we did it! We got the house. We went over on Friday and signed the final contract. We already had our initial browse design appointment and we have a final one set for next Sunday. I am filled with a combination of fear and relief.

This was a very difficult decision for us to make. Mj tends to worry a little less then I do about money and finances and he wasn't so sure if I was going to go for this. It's about $25K above what I felt our bottom line budget was. I crunched numbers and ran it every which way I could and decided that if we come up with some more cash to buy our interest rate down with points then we could make it work. Even if we don't end up doing this in the end I need to know that it's at least an option.

People think I'm crazy for being so fanatical about savings and finances. Some people come out of the womb with a Coach purse and I came out with a savings account. I got my first job at Ross Dress for Less at 16 and have been putting money aside ever since. It has served me well over the years. Even if I don't make a whole lot when I have needed money for big important purchases it has been there. I say no to shopping, trips, and lots of other things I want all the while this money has been sitting in the bank. That's what you have to do. If you dip into it every time you want something its going to disappear and not be there when you really need it. Well, now is one of those times. Most of what Mj saved over this year he was gone that we thought we would use as a down payment has towards paying off some bills. If we need what's left of my life savings to get into this house then so be it. It's tough to let go of though. It's been comforting to know it's there even if I never touched it.

We may not have any money left over for new furniture after we get the necessary washer, dryer, and refrigerator. There aren't going to be any extras added onto our wedding package. We will still go somewhere but we won't be going to Europe for our honeymoon now. Certain sacrifices have to be made in order to get what you truly want.

Unfortunately, it is not cheap to live in this state in this county even right now when the housing market the way it is. I want to have a place that we can happily and comfortably live in for at least the next ten years and I think we have found it in this house. All my life I have really settled when it comes to a lot of different things including where I live. I have lived in places I really didn't like to keep my rent low. I have settled for a tiny studio for the last five years and for the first time I am not going to have to do that. Even though I am scared it feels kind of good too.

One of the things I love about Mj is his willingness to change and be flexible. He is not used to being on a budget but I have worked one out for him and he's okay with it because he understands the bigger picture.

For me this is no different then any other year. You sacrifice. You live within your means. You don't always get everything you want. And you save. Even if you can think of no particular reason to do so.

Cont'd:  On Shakey Ground

House Hunting Drama

It's so hard to find a house that you like. Well, let me rephrase that. One you like AND can afford. One house we went into smelled like moldy cat and the other was missing the front portion of the stove. Never seen that before. There is always something and you typically can expect that you are never going to find everything you wanted in one house. It's either price, location, the size of the yard or that extra sink you won't get. Unless your pockets are super deep and sometimes even then something has to give.

Last week we looked at a new build on our way home from another day of house hunting with our realtor. She happened to mention a new KB Homes Community and it was on our way home so we stopped in. I love looking at model homes even when I'm not in the market. We really liked it but quickly put it out of our head as an option. It's too expensive.

We kept looking. We put in an offer on a Short Sale condo in Eastlake. The price is right but we are dismayed by the $433 monthly fees. There Mello-Roos AND HOA's everywhere you look in that area and it can eat up your budget in one swallow. The commutes not all that great either. We already know we can't afford to live centrally and we would prefer a detached home but in this market you can't be too choosy.

Days go by and we hear nothing. We start getting cold feet about the commute and can't seem to stomach those high monthly fees. Mj's thoughts turn back to that new build. It's about a minute from where we live. We already know the commute is not all that bad and the HOA totals only $135. It's more expensive but maybe, just maybe we can do it because we won't have $400 plus in fees.

We call and find out they have only one lot left in this phase so we scramble around getting paperwork together and our check book so that we can snap up the last one in this price range. We submit to our 3rd credit check in about as many months because the builder will pay $6700 towards closing costs if we use them.

And then more waiting. Meanwhile, a different realtor who is trying to get us a foreclosure tells us he has a house for us. We don't know the price yet and likely won't be able to get a look inside for another week. What to do? Do we sign a contract on the new house when there is a possibility of another lurking?

Today I find out we are approved for the new build. The lending agent is going to send me an e mail outlining what we need to pay off and what additional documentation we are going to need to provide. At about the same time I find out that the foreclosure is going to be too expensive for us anyways. They have another one but they don't know the price yet. I wasn't totally thrilled with the pics but it's hard to tell without seeing it in person. I am already thinking this likely won't work and I probably won't like it better then the new build so I am able to put that out of my head and focus on trying to get the new house.

The cold hard numbers show up in my inbox. Not only did we get pre approved but it also allows for about $10,000 in upgrade design options. Time to do a happy dance right? Well, not so fast. The bank can approve us for a million bucks but it makes no difference if we can't afford the monthly payment. I talk it over with the selling agent but it's not looking too good. I am absolutely not willing to take on a monthly mortgage over what I feel we can comfortably afford. If it means we have to walk away from ten houses then so be it.

I drive home dejected and my mind racing faster then the cars whizzing by me on the freeway. If only I made more money. If only we had saved more. Is it really necessary for us to have a wedding? Oh, and what about all that money we spent on my car 3 months ago? This new house is slipping away and I am wondering how are we ever going to find a house in this expensive competitive housing market. Are we going to be stuck in the studio forever or settle for a dump? What can I do aside from winning the lottery or robbing a bank to make this happen?

We have a design appointment scheduled for tomorrow and I have already imagined where we will put our furniture. This is our one window of opportunity to get into a house. Prices are still low but it won't last and if we don't get one soon there might not be a second chance.

Beer with dinner? Hells yeah. I really need it right about now.

Cont'd: We Bought Ourselves A House

Clutter Crazy

I am not allowed to do dishes anymore. Mj found hamburger meat in one of the pans and bleu cheese on one of the plates after I "washed" them. The problem is not that I am a miserable dishwasher. I can clean with the best of them. I am not the greatest cook but I always try to make sure I am the one who does the dishes and cleans the kitchen to compensate. The problem is that I can't see. By the time I get home from work it's dark. By the time we finish eating dinner it's even darker and the kitchen light has been broken since well before Mj came back. I am in there scrubbing pots and pans and plates that I can't even actually tell if I've gotten clean because of the poor lighting. Mj just has to re wash everything and so I have been banned. I will definitely get in there on the weekends but apparently during the week it's just not such a good idea until that light is fixed.

That is just one more challenge of my current living space. The other issue is clutter. Everywhere. I can't find my socks or anything else. I can barely shove my clothes into drawers. Every surface has stuff on it. It is driving me MAD!! I don't know how those obsessive hoarders can stand being buried in all that stuff. Of course it is an illness and I am beginning to think I have one too but in reverse. Realistically, I know I do not have OCD but I definitely do have an issue with clutter. I need to be organized. I need the counter tops to be empty. I need for everything to be in it's place at least most of the time. Right now it is impossible to have hardly anything in it's place because there is barely a place for anything and it is quite simply driving me nuts.

Organization is more then just having everything in it's place for me. When my living space is out of whack I feel like my life is too. Same thing with my finances and my food but that's a whole other blog post. I guess it's some kind of control thing and it comes in handy at times to be so disciplined in these areas but right now it's just driving me crazy. Right now I would really like to be able to see my pajamas laying across the bed haphazardly [instead of forcibly cramming them into the too small drawer] and not care one way or another. I'd rather see a messy pile of paperwork on the table and not care if it stays there or not. I want to put things away and organize but there is no space to do it. So there things sits and there isn't anything I can do about it. I have already done everything I can to maximize my space. I can't believe I'm saying this but I have kind of given up. Not totally of course , but I am just accepting there isn't much I can do. Which is probably a good thing.

I can hardly believe I have lived in such a small space for so many years. Most people I know can't even imagine such a thing. When I tell them I live in a studio their eyes kind of bug out a little. It is definitely not ideal but I did what I had to do.

The close proximity to Mj doesn't bother me at all. I actually enjoy having him right there all the time. The idea of him being far far away in another room or downstairs when I am upstairs in bed actually feels kind of lonely. Right now we can pretty much see each other and talk to each other all the time from any location. Where he is I am and vise versa. That's kind of what happens in a studio and I kinda like that part.

But, if it means that I will have enough room in my closet and less crap shoved into every nook and cranny I am really thinking that I could probably get used to it. I know he's coming to bed eventually even if he is in a far away land down the hall.

Burger Night

Last Week we stumbled upon Oroweat Sandwich Thins at Henry's Market inspiring Mj to declare Sunday burger night. I love bread so having a burger animal style with meat and lettuce to avoid all of the carbs and some of the calories in bread just doesn't cut it for me. These Sandwich thins are kind of pita style and they are only 100 calories each. You get the bread you crave but with way less calories, carbs and a whole lot more fiber. They cost $3.50 which really isn't all that bad.

Of course the burgers we used were extra lean. I topped mine with bleu cheese crumbles [my latest obsession], onions, 1 strip of bacon, ketchup and mustard. Mj topped his with sauteed mushrooms and onions, 1 strip of bacon, provolone cheese, ketchup, and miracle whip. Can you say delicious? We paired it with some high fiber Bush's baked beans and it was quite the delicious, simple, and not overly gluttonous meal. I got to have my burger and my bread. Oh, and of course nothing goes better with burgers then beer. For that we had Michelob Ultra in keeping with our carb saving theme.

All this, while watching the Saints Vs the Vikings. Sounds like a perfect Sunday dinner to me.