Home > Disgusted


May 14th, 2007 at 12:31 am

I want a house so bad I can taste it. I have got to get more serious than I am. I mean I deposit funds regularly but I think it is time to eat peanut butter and jelly for a while. I must admit I am a little jealous, my friend just purchased her second home (she is selling the other) and we are just a year apart and I have not even bought my first house. Yes, we make about the same and it seems like she is doing much better than I am. I know some times people steal from Peter to pay Paul and in her case that maybe the case, but the point is at my age I am sick and tired of living at home with my mom.

Well I guess I could look at the bright side in just a little over a year I will have my bachelor’s and that will be a really big accomplishment, the first in my family. And the money that I am saving is adding up, so I should have a nice down payment in two years maybe I can get a 15yr fixed vs a 30yr . I guess patient is a virtue

11 Responses to “Disgusted”

  1. HouseHopeful Says:

    I definately know that taste of impatience for a house. I also compared myself to friends. Just keep in mind that no two people's situations are the same. Although your friend is buying another house, there might be more going on that you know. From what you've said on this site, you have really clear goals and you're working hard to accomplish them! You should be proud of yourself! Putting yourself through college is hard too. You're doing great! You'll get that house soon Smile

  2. Amber Says:

    Thanks, I needed that

  3. JanH Says:

    Oh gosh, I can remember that feeling. Working our way through school and early years with people asking us when we were going to buy a house, etc. I watched others seemingly get so ahead of me. I now realize that situations in life are so different and the way things come to us are so different. Hang in there, you'll get your dreams!

  4. disneysteve Says:

    Stop comparing yourself to others, especially those who appear to be in a similar situation. Chances are your situations are a lot more different than you realize. They could be deep in debt, or they could be getting money from family or they could have other resources you aren't aware of.

    When you are ready to buy, don't be so quick to jump into the 15 year loan instead of the 30. The longer term gives you a lot of flexibility. You can accelerate your payments if you want to, but you can also pay the lower fixed payment and direct money to other things, like retirement savings, other needs and even some wants.

  5. fairy74 Says:

    I know this feeling too, but avoid comparing yourself, do the best for your situation and let it go. I know there was someone that I compared myself with for years, questioning how can she afford that house and that new car and this and that. Turns out she had no financial skills whatsoever but did have a close to a million dollars from granny's will. You just never know...

  6. elgin526 Says:

    I lived at home until I was 25, so beleive me, I know what it's like! I was about ready to live in a cardboard box if it ment that I'd be on my own, and my parents and I get along! I bought a place with only 3% down and got lucky, the condo went up 50% in value in 4 years, so I really got lucky. I doubt I could do that again if I live to be 100!

    If I knew then what I know now, I'd have saved up at least 10% down before I even considered a house (20% is unrealistic in my area, at least at my income level). You are doing the EXACT right thing. Yes it's hard, but it is going to pay off HUGE some day. Like Dave Ramsey says in his books "Live like no one else today so you can LIVE like NO ONE else tomorrow!"

  7. PRICEPLUS Says:

    Always live your life on your own terms. Comparing yourself to others can cause you problems at times. All good things will come. Set your goals and make a plan and stick to it! You will get to where you want to be!WinkSmile

  8. boomeyers Says:

    Hang in there Amber! Something really special is out there just waiting for you!
    I am the queen of impatience! I sympathize with your situation!

  9. Amber Says:

    Thanks for the words of encouregment, I knew I could depnd on you guys to open my eyes and make me feel better Smile

  10. SkyeBlue Says:

    Here in Arkansas we have programs, some through the state that help people with down payment assistance or even programs that help people where they match the funds you save to get enough for a down payment on a home. One program I've been checking out will match $3.00 for every $1.00 you save. The money has to be used for a home down payment or towards starting a small business, things like that. You might check the official State of Florida website and start from there. Ask at your bank also if they participate in govt. programs that help people with down payment assistance or check with your local FHA or HUD home loan program office.

    Another good thing to check out is the tax seized property for your area. Check with your local Tax Assessor. Once a year the local Tax Assessor here auctions the tax siezed land, and, if it doesn't sell then after a year you can buy it DIRECTLY from the main office of the State Tax Assessor directly. As an example a property down the street from me, assessed at $3,000.00 is being sold by the State for $300.00.

    I understand how you feel about owning a home. I'm 45 and never had a home of my own and I want one so bad I can taste it also!

  11. Amber Says:

    thanks for the tip Sky

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