Today I meet with my lender to sign the papers and give her a check. All my spreadsheets of 'if I borrow this much then I'll have to pay this each month for 30 years' and W2s and tax returns will be coming with me.
I think I've grown numb to that future monthly housing cost. The mortgage payment will be less than what I'm paying for rent so that's not a big deal. But add on the property taxes, PMI, and home insurance... ugh.
To put it in perspective, when I was paying a mortgage, taxes, and all that crap in New Jersey for my 2 bedroom, 2.5 bath townhouse with a whole 8'x10' plot of grass in the backyard, that was about $1600. But I was also making about $20K more than I do now.
|Anorexic piggy bank|
Anyway, the point of that little story is that it costs less to live down here. But it doesn't make parting with money any easier.
I think of ways that I can stretch my dollar further. I can kiss my monthly massages goodbye. And hopefully I can reduce my auto costs because I'll be living 2 miles from work as opposed to 17. And I can get rid of cable.
I'm even thinking of the pleasure I'll get from cooking more meals in my BRAND NEW KITCHEN! Maybe I'll even start my own garden.
Oh I have big plans with my little house. I'm being fiscally responsible and already dreaming about the many savings accounts I can have: one for emergency savings, one for vacation, one for home improvements. Because there will be more home improvements!
Have you seen this bathroom?
I see a new vanity and toilet, bead-board wainscoting and most definitely some new paint. And that stained glass window sticker has to go. Maybe that floor, too. But that's on the To Do list. Maybe later this year.
I've been inspired by this blog site, Our Vintage Home Love. I hope to be able to show you some of my before and afters.
After I'm able to pay for it.