House Hunting

So, I am thinking about buying a house! The idea is both exciting and terrifying at the same time!!! I haven’t lived in a house since I left my ex husband more than 11 years ago, and that house was on a dirt road in the middle of nowhere. As a single mom, there are always things I wish I could do differently, better. Things I wish I could give my kids that I just haven’t been able to, and raising them in a house, in a neighborhood has always been one of those things. Having a place they can permanently call home, that we can add our own touches to and make our own. That we can own a dog without someone saying no, can have a real Christmas tree without someone saying no, can paint the walls whatever color we want. Can get to know our neighbors and feel that sense of community that just seems to be missing when you bounce from one apartment to the next.
At the same time, it is terrifying,  the level of responsibility!  Right now if my garbage disposal breaks or my fridge burns out, that’s on someone else’s dime to fix. I don’t have a yard to enjoy, but I also don’t have yard work. I thought about a townhome, the ones in my price range seem so much nicer than the single-family homes in my price range, but then you’re adding $300 or so in association fees a month on top of the mortgage and I can’t afford that. I’m struggling to make ends meet as it is, would buying a house make things worse? Or would I spend less on outside entertainment to cure my never-ending boredom, if I had a home to focus on? The thought of having a space big enough to have people over for birthdays, dinners, drinks, instead of always having to go out is enticing, maybe I’d become a homebody! It would definitely quench my non-stop daydreaming about moving out of Minnesota, I’d become rooted here, at least for another eight years. And, if I stayed beyond that, my girls would have a place to come home to.
Waiting now to hear back from the loan officer. This internal dialogue in my brain, half of me hoping she approves me so I can start looking today – half of me hoping she says I have lots of work to do to get my credit score up first!

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