we are just waiting on 1 piece from a bank and then we'll know if we have the house or not. i mean, like we would attempt to close today. this afternoon. *dies*
this house buying stuff is really scary. i mean, the amount of money we are going to be paying for a mortgage is freaking terrifying. i guess it wouldn't be so bad if we didn't have the additional FIVE HUNDRED dollars A MONTH for property taxes. seriously. isn't that ridiculous? sometimes i just hate everyone. lol
i asked boyfriend last night if it was really worth it to buy a place. because part of me would love to just rent forever. we'd have money to do things with... money to travel.. money to buy ridiculous and uneccesary toys. but not anymore. now we'll be lucky if we have money for groceries. totally kidding. i would never allow us to get into something over our heads. *knocks on wood* it's just that from the outside looking in to what we're trying to do, it is really overwhelming. and expensive.
and you realize that the banks and those bank people don't help, right? after going through this experience, i totally understand how people got into so much financial trouble. the banks encourage it. they totally push you on your way into over your head land. they tell you that you can afford things you absolutely cannot. they encourage you to get into loans that are interest only and when you stop to question them, they tell you "well you'll be making lots more money when the loan is coming to an end, so you'll be fine when you refinance..." as if they're the ones making the payment if you're not fine. and sure, you might be making more money by then, but you'll also have a life. and life happens. new cars happen. kids happen. bills happen. i just hate how they unrealistically paint this view of your life for you.... and i think it's wrong. and i'm just thankful i was stubborn and have come out of this paying almost what i said we could afford from the get go (almost, cause we're a little over, but it's a 30 year fixed, so i'm ok with it)...
anyway, my rant is over. if all goes as planned, boyfriend and i will be scraping popcorn off of the ceilings this evening.. and attempting to find paint colors i can live with. i was so excited to paint, and now i'm just overwhelmed at actually having to choose colors! any help would be great. no white walls, thanks.
this grown up stuff is scary.