So I'm not going to lie, logging in to see 41 views is pretty cool. Not really sure who is choosing to read my silliness but I must extend my thanks.
For this evening I would like to direct your attention however, to the concept of the first time home buyer.
So a friend of my mom's is looking to sell their home, cute little place. Really not even fair for me to call is little though. It's a three bedroom on the better part of 2 acres of land. Has a detached garage and would be a great starter home for all intents and purposes.
My struggling moment though, is the corrupt economic enterprise I feel as though we as society have fallen into when it comes to home ownership. Now I am the first to admit I haven't always made the perfect choice when it comes to making sure that my financial future is well established. That being said, I have made some steps. I have 529 savings accounts for each of the kids. I made sure to buy a car when I was young and had the extra money to be dedicating to a car payment so no I don't have $400 I kiss goodbye every month just so I can travel independently. And I did what was necessary to establish a few different lines of credit to make sure that we had various lines reporting to help the actuary think we were truly adults who could keep our **it in a pile.
But oh wait hold on, let's add in real life, and a random major medical event, or in our case two, that incapacitated my husband from working. Oh and then remember that whole bit we talked about the other day with daycare, yup that gets added in here too along with just general life expenses. An dthat idea that it doesn't matter that I'm the one with $20000 in student loans, he has the better earning potential as a practical application person than I do. And please don't get it wrong, I'm and forever proud of my husband for the fact that he has figured out how to apply himself as a person to corporate enterprise in order to forge a strong career for himself. In fact in truth most days I'm jealous of how well he has done. But I also know I'm not him and never could have been successful in his cut throat a**hole kill or be killed type environment.
So here on the precipice of 30 I now find myself feeling as though I am doing the right thing financially to get college funding established for my kids, and I am working really hard to keep my paws out of the ever shadowed 'savings' account. Yet still the idea of being able to put aside $5000-$7000 for a down payment on a $1400000 house seems like the most daunting task.
Like for serious??!!! How could saving money seem so unbearable? I don't know maybe because I'm frivolous with a few of the things in my life that bring me some level of solace. Am I wrong as a mother because I like to be able to sit here in my back yard and talk to whomever it is that is willing to listen, while my kids pretend to build forts from sticks and the chicken that I bought with a BOGO sale is cooking on the grill? Really does trying to assimilate to public perception make me a bad person, a bad borrower? Do I have more debt than I should, absolutely. But I always pay my bills. And could I make more income to pay off those debts and bring my credit score to a place where major lending institutions aren't going to destroy my pocket with interest, definitely. But then when would I be able to live a life?
Ok yes I could live a life but I wouldn't be living my life. Or is that my price? Having the life I feel I work hard for versus having nothing other than four \bare walls and each other to stare at for hours a day in order to make sure that we are putting the $200 a month spent on power and cable is better saved.
Did you ever stop to think about the fact that we are the only species on the earth that lives to work and do something for others as a choice of own?
Dogs, they do what we want because we train them to do so. In return I feed them and I house them and keep them safe from various other evils of public life, mostly the warden and death.
Bears, they just wander about the woods, eat, drink, sleep. They are totally cool with doing wtf ever it is that they want to do that day. They want to pick a fight with a moose, ok cool, they want to wade in the river and eat salmon until they have to food drunk meander to the shore, that's cool too.
Us however, the supposedly intelligent species on the surface of this planet, fight every day to "better ourselves". I get up and go to work in hopes of being able to have the money to be able to provide my children the life I feel they deserve.
And in return I will be scorned by one financial institution after another in my attempt to assemble something that appeals as a borrower profile so that I, a white girl with a husband, two kids and two dogs, currently renting a house in suburbia, might be able to figure out how to get a mortgage for said $140000 house without feeling as though I have handed over my soul... I feel like I am going to lose the battle. Let me just win the war...
Does it really all even make any sense though? Maybe it does to some, but to this momma it doesn't...
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