Tag Archives: Finance

Highwire Hopes

We took the plunge.  We offered, they countered.  We accepted.  *eek*

Conditions are set to come off on September 6 with financing closing up the rear on September 8th.  Oh. My. Gawd.  That’s in a WEEK!  To say that I’m nervous is an understatement. 

This state of wait is killing me.  I want to plan, I want to get pack, I want to get this ball a rollin’ but I don’t want to get too far into the process only to have to stop it all because of some hiccup.  My hopes are high, my fear is high – I’m holding excitement at bay.  Or at least I’m trying.  I dont’ think it’s working.

I think we’re ready for this.  I think we’re poised to move forward and I think that we would be oh so happy in the house.  Wait, I don’t think – I know.  I can feel it in my bones.



Living in quick sand

I feel like I’m living in quick sand these past few weeks.  We’re in the process of considering a house.  Yes, just the consideration alone is a process.  Then comes the buying process.  Then the moving process.  And so on…

I am not a “process” person.  I like to make a decision and go with it.  Waffling on my decisions is so not like me yet I can’t seem to escape it.  One minute I want to buy this house; the next minute I see all the spare cash floating right on out the door and I completely change my mind.

I worry about so many different things.  What if’s that I have no control over.  What if Rob loses his job.  What if I lose my job.  What if something goes wrong with the house.  What if, what if, what if…and I find that the what ifs don’t cover what if we’re fine?  What if we’re happy there for many years.  What if it’s the best financial decision we can make for our family. 

The man and I have made it through so many adversities over the years.  We’ve faced it all.  Death, pregnancy, moving, job loss, parenting issues, the whole gamut.  I’m sure we can survive homeownership. 

I remember moving into the co-op.  We always seemed to be waiting for the “landlord’s shoe” to drop.  Three years later…the shoe hasn’t dropped yet.  Why?  Well, because we don’t have landlords.  We ARE the landlords, it just takes a bit to remember that.  If we buy this house, we really won’t have to wait or worry on anyone or anything but ourselves.  It will really be OUR house.  And that thought terrifies the be-jeesus outta me.  How do I get over this fear? 

I guess it’s a waiting game.  A wait and see situation.  Which I suck at.

Frugal Mom

My husband and I have been lobbying the idea of buying a house around.  We’ve gone down the “yes” path and the “no” path and the “I have no freaking idea if this is the right time path” and then we’ve gone down each of them one more time.  At the end of the day, once topic of conversation never seems to change.  Money.

We are incredibly wasteful when it comes to money.  Eating out?  Sure.   Drinking?  Sure.   Toys?  We have LOTS.  The things we don’t have, though, are zero debt-load, a savings account or an “emergency” fund.  The things that a family should really have.  We make enough money that having those things shouldn’t be an issue.  We should not be living pay cheque to pay cheque but for some reason we are.

This has made me stop and really think about the way we are valuing our dollar.  The dollar that we have to earn each and every day.  The dollar that we give up our freedoms and put up with other people’s crap for.  Why are we wasting it?  The answer?  Who knows.  I do know that it has to change. 

I listen to people around me dropping huge cash on toys, vacations, cars, etc and I want that too BUT I also want security. I want the ability to have a savings account and retire in comfort.  I want to be able to own my house and be happy in it.  I want to put my money to better use.

The decision to buy a house or remain where we are hasn’t really been made yet.  The mortgage people are ok with giving us a mortgage.  Our family is very supportive of us buying a house.  I don’t know if we’re really, truely ready to be homeowners yet.  We need to learn a few lessons.  We need to learn how to curb our spending appetites.  We need to learn how to simply say “we can’t afford that” and be ok with it.  That may be our hardest lesson.  Admitting we are chosing to use our money wisely instead of satisfying an immediate need.

I will keep you posted as to how our journey is going.  It’s not one we’ve ever been on before.  I imagine it’s going to be a tough go.  I imagine we’ll get in touch with some of our more basic joys.  There is nothing like sitting on a beach building sand castles with your kids – and it’s free.