Saturday Morning with Coffee
Jun. 4th, 2016 06:14 am![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
spryngI seem to have entered the manic stage of pregnancy. Also known as being as crazy as I used to be back before depression and exhaustion and my diet going completely off the rails. At first I was like "zomg what is all this energy" and then I remembered that this is what life once was. I've been smiling and dancing to music and being generally my old self and I... I'm afraid to lose this again.
Not going to think about that.
Instead, going to focus on DOING ALL THE THINGS.
Because apparently on top of moving and babying and crunch time at work, we have decided to shift our focus from looking for a rental in MI to looking for a house to buy. The biggest reason we'd been holding off on looking to buy is the short time we'll be in MI. But every number I've crunched, even for such a short time, we come out way ahead if we buy. Even if we sell at a lose. That's just how cheap houses are and how ridiculously high the rental market is.
I just didn't want to deal with the hassle, but the more I try to find a decent rental that doesn't look like crap and isn't an hour away, the more I've come to realize the hassle is worth it. Hopefully the fact that the housing market is 900% a buyer's market will help this move along quickly, and we won't spend too long in August sitting in a hotel or an air bnb.
THEN OF COURSE we still want to buy a new car. AND OF COURSE I had to fall in love with the one way over our budget. So right now we're looking at the possibility of taking two loans out, which would normally make my skin crawl - hell, is making it crawl - but even combined, the payments on those will be max what we pay in rent now.
I have to keep breathing and reminding myself that we can absolutely afford this, that being in debt is not a jail sentence, that by saving money (SO MUCH) on rent we're actually not becoming crazy capitalists obsessed with things.
A mortgage will also be hella easier than a rental lease. Our house, our decisions. Yes, we'll owe a big bank lots of money, but at least they won't kick us out if we are three days late. The biggest, scariest thing about a mortgage is foreclosure, but I worked in foreclosure for two years and know that demon very well. Also I just looked it up and you get 10 months after a missed payment in Michigan before eviction. Holy fuck.
Breathe.
Okay.
And then Lady Jr.
Better to do it all beforehand, right? And just in time for my 30th birthday.
tl;dr - We're going to buy a car and a house and it's kind of a lot to do in less than two months but I'm manic so LET'S DO THIS THING
Not going to think about that.
Instead, going to focus on DOING ALL THE THINGS.
Because apparently on top of moving and babying and crunch time at work, we have decided to shift our focus from looking for a rental in MI to looking for a house to buy. The biggest reason we'd been holding off on looking to buy is the short time we'll be in MI. But every number I've crunched, even for such a short time, we come out way ahead if we buy. Even if we sell at a lose. That's just how cheap houses are and how ridiculously high the rental market is.
I just didn't want to deal with the hassle, but the more I try to find a decent rental that doesn't look like crap and isn't an hour away, the more I've come to realize the hassle is worth it. Hopefully the fact that the housing market is 900% a buyer's market will help this move along quickly, and we won't spend too long in August sitting in a hotel or an air bnb.
THEN OF COURSE we still want to buy a new car. AND OF COURSE I had to fall in love with the one way over our budget. So right now we're looking at the possibility of taking two loans out, which would normally make my skin crawl - hell, is making it crawl - but even combined, the payments on those will be max what we pay in rent now.
I have to keep breathing and reminding myself that we can absolutely afford this, that being in debt is not a jail sentence, that by saving money (SO MUCH) on rent we're actually not becoming crazy capitalists obsessed with things.
A mortgage will also be hella easier than a rental lease. Our house, our decisions. Yes, we'll owe a big bank lots of money, but at least they won't kick us out if we are three days late. The biggest, scariest thing about a mortgage is foreclosure, but I worked in foreclosure for two years and know that demon very well. Also I just looked it up and you get 10 months after a missed payment in Michigan before eviction. Holy fuck.
Breathe.
Okay.
And then Lady Jr.
Better to do it all beforehand, right? And just in time for my 30th birthday.
tl;dr - We're going to buy a car and a house and it's kind of a lot to do in less than two months but I'm manic so LET'S DO THIS THING
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no subject
Date: 2016-06-04 02:38 pm (UTC)Also with our house at least, the mortgage is due on the 1st, but not late until the 15th. Not that you want to send the payment out on the 10th every month, but it is nice breathing room.
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Date: 2016-06-04 09:12 pm (UTC)no subject
Date: 2016-06-04 04:39 pm (UTC)no subject
Date: 2016-06-04 09:13 pm (UTC)no subject
Date: 2016-06-06 10:48 am (UTC)no subject
Date: 2016-06-06 11:46 am (UTC)I can't believe I never noticed that. I tend to flip words around in my head all the time. Maybe I'm just still giggling about Volvo.
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Date: 2016-06-06 05:28 pm (UTC)no subject
Date: 2016-06-04 07:13 pm (UTC)no subject
Date: 2016-06-05 01:10 pm (UTC)no subject
Date: 2016-06-06 11:47 am (UTC)no subject
Date: 2016-06-06 02:21 pm (UTC)