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Old 01-08-2006, 01:26 PM   #141
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starbucks... what should I order
I'm trying not to drink coffee...
It's been 5 days now. They do have a good apple drink maybe,
I'll get that.
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Old 01-08-2006, 01:33 PM   #142
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This is spooky........Just called a cuz to meet us at Starbucks. Care to meet us there?
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Old 01-08-2006, 03:19 PM   #143
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Quote:
Originally Posted by shannon in KS
I am getting cold feet about buying a house. It is STILL being remodeled, and in the month and a half of waiting..... It would be great to own a house, but my payment will go up so much that after putting the usual monthly $ in savings, retirement, college savings, and investments, then I am down to dang near living paycheck to paycheck. And then unwilling/unable to spend the money "make it homey". A house is an investment I know, but not sure if it is worth the unhappiness of feeling overstretched right now in my life? And I am a budget, plan-ahead, be financially prepared for anything FREAK! If I do not feel "safe and secure", it unnerves me!
Have you signed any docs yet? If you haven't, you may be able to back out until you figure out your budget etc. I've never heard of waiting for a home to be remodeled PRIOR to taking posession, because my experience has been looking for a home that is ready to move into - or have the seller make necessary changes as agreed. If your heart is set on this particular home, you could take out a longer mortgage or put down a bigger down payment. Your lender can help you determine & give you a prequalifying(?) letter prior to the loan. Also, keep in mind, that rent will always increase -- your mortgage will decrease. The cost of living increases, as does salaries...then also consider the property taxes, closing costs, realtor fee (if any). Buying a home is one of the most important/costly(?) purchases you will ever make. Go slowly. Be sure it is what you want and can afford. If you're not "locked in" to this property contractually, I would still look at what is on the market. Also keep in mind, you may get back some on your annual income taxes.
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Old 01-08-2006, 08:16 PM   #144
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Quote:
Originally Posted by mish
Have you signed any docs yet? If you haven't, you may be able to back out until you figure out your budget etc. I've never heard of waiting for a home to be remodeled PRIOR to taking posession, because my experience has been looking for a home that is ready to move into - or have the seller make necessary changes as agreed. If your heart is set on this particular home, you could take out a longer mortgage or put down a bigger down payment. Your lender can help you determine & give you a prequalifying(?) letter prior to the loan. Also, keep in mind, that rent will always increase -- your mortgage will decrease. The cost of living increases, as does salaries...then also consider the property taxes, closing costs, realtor fee (if any). Buying a home is one of the most important/costly(?) purchases you will ever make. Go slowly. Be sure it is what you want and can afford. If you're not "locked in" to this property contractually, I would still look at what is on the market. Also keep in mind, you may get back some on your annual income taxes.
Thanks Mish! Luckily, I work in the lending department at the bank! Whew, that saves a lot of stress knowing how stuff works! ($5,300 closing costs ) We financed the renovation of this home, so I know all the work he has put into it. But, like you said, cost of living (and salary) does go up... but I am thinking of waiting for the salary to go up (and save more) so I can maybe buy a newer house. This house is 115 years old, I kinda have to worry it may depreciate in value at this point... And another point you made, it is a very costly purchase!!! I want it to be a wise investment, but am unsure that it is!
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Old 01-08-2006, 08:18 PM   #145
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Talking

Quote:
Originally Posted by wasabi
This is spooky........Just called a cuz to meet us at Starbucks. Care to meet us there?

oh poop! I didn't get this until now.
We were prbly sitting right next to each other
and didn't even know it. Bummer dude!
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Old 01-08-2006, 09:20 PM   #146
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What's on my mind is that I'd better get my lesson plans done! I really don't want to be up until 2:00 or 3:00 doing them, as I still don't feel too great (kidney stone I think--not too bad though, just mild intermittent pain).

Barbara
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Old 01-08-2006, 10:20 PM   #147
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I'm thinking that it's about time that something GOOD happened in Barbara's home!! Feel better soon Barbara!!!!!!
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Old 01-08-2006, 10:47 PM   #148
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Quote:
Originally Posted by pdswife
I'm thinking that it's about time that something GOOD happened in Barbara's home!! Feel better soon Barbara!!!!!!
Me too! We are all thinking of you Barbara & James!
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Old 01-08-2006, 10:55 PM   #149
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I hope you start feeling better soon Barbara. Hugs,
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Old 01-08-2006, 10:57 PM   #150
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You guys are so nice! Thank you! And now I really do have to start on my lesson plans!!!!

Barbara
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