scaredycat in escrow….scared….

[scaredyclassic]

i feel that the system is making me pay more than the price should be if things were not a big conspiracy.

: mortgage: This comes from the Old French “dead pledge,” apparently meaning that the pledge ends (dies) either when the obligation is fulfilled or the property is taken through foreclosure.

grim

there is astonishingly low inventory for the types of places we’re looking for. shocking.

[CA renter]

Scaredy,

If you can see yourself living in this house for the rest of your life, and if the mortgage payments are similar to rent, and if you are close to work (no major commute), then this is a no-brainer.

Seriously, this is coming from me — the female version of scaredycat (I worry about everything and tend to be exceedingly conservative about finances/life, too, and this can be a huge handicap in some instances).

Make sure your wife is happy about it (are you happy, Mrs. Scaredycat, and will you love your husband and NEVER hold it against him if you guys buy this house?). If she says “yes,” then go for it, and don’t look back.

Don’t forget to invite us all over for the housewarming party. 😉

Looking forward to all the pics of your happy chickens and persimmon trees.

[CA renter]

Scaredy,

If you can see yourself living in this house for the rest of your life, and if the mortgage payments are similar to rent, and if you are close to work (no major commute), then this is a no-brainer.

Seriously, this is coming from me — the female version of scaredycat (I worry about everything and tend to be exceedingly conservative about finances/life, too, and this can be a huge handicap in some instances).

Make sure your wife is happy about it (are you happy, Mrs. Scaredycat, and will you love your husband and NEVER hold it against him if you guys buy this house?). If she says “yes,” then go for it, and don’t look back.

Don’t forget to invite us all over for the housewarming party. 😉

Looking forward to all the pics of your happy chickens and persimmon trees.

[CA renter]

Scaredy,

If you can see yourself living in this house for the rest of your life, and if the mortgage payments are similar to rent, and if you are close to work (no major commute), then this is a no-brainer.

Seriously, this is coming from me — the female version of scaredycat (I worry about everything and tend to be exceedingly conservative about finances/life, too, and this can be a huge handicap in some instances).

Make sure your wife is happy about it (are you happy, Mrs. Scaredycat, and will you love your husband and NEVER hold it against him if you guys buy this house?). If she says “yes,” then go for it, and don’t look back.

Don’t forget to invite us all over for the housewarming party. 😉

Looking forward to all the pics of your happy chickens and persimmon trees.

[CA renter]

Scaredy,

If you can see yourself living in this house for the rest of your life, and if the mortgage payments are similar to rent, and if you are close to work (no major commute), then this is a no-brainer.

Seriously, this is coming from me — the female version of scaredycat (I worry about everything and tend to be exceedingly conservative about finances/life, too, and this can be a huge handicap in some instances).

Make sure your wife is happy about it (are you happy, Mrs. Scaredycat, and will you love your husband and NEVER hold it against him if you guys buy this house?). If she says “yes,” then go for it, and don’t look back.

Don’t forget to invite us all over for the housewarming party. 😉

Looking forward to all the pics of your happy chickens and persimmon trees.

[CA renter]

Scaredy,

If you can see yourself living in this house for the rest of your life, and if the mortgage payments are similar to rent, and if you are close to work (no major commute), then this is a no-brainer.

Seriously, this is coming from me — the female version of scaredycat (I worry about everything and tend to be exceedingly conservative about finances/life, too, and this can be a huge handicap in some instances).

Make sure your wife is happy about it (are you happy, Mrs. Scaredycat, and will you love your husband and NEVER hold it against him if you guys buy this house?). If she says “yes,” then go for it, and don’t look back.

Don’t forget to invite us all over for the housewarming party. 😉

Looking forward to all the pics of your happy chickens and persimmon trees.

[paramount]

[quote=scaredycat]yeah, but … there’s a lot to be said for being financially solvent and having some money in the bank. if material thigs don’t matter, then ownership should be avoided, right?[/quote]

I didn’t say they don’t matter (material things), just in a very limited way IMO. Of course a person should take care of their resources wisely, but there’s a fine line between being financially stable and loving money.

Excessive worry/fear->Control Issues->Anxiety/Depression

Here we are on a small rock racing through the Milky Way, with one life to live and so many people spend much of their life worrying about money and living in fear (often of not having money).

If this is you then money controls you and not the other way around, the best thing to do in that case is to donate all of your money to charity and then and only then will you have true financial freedom.

[paramount]

[quote=scaredycat]yeah, but … there’s a lot to be said for being financially solvent and having some money in the bank. if material thigs don’t matter, then ownership should be avoided, right?[/quote]

I didn’t say they don’t matter (material things), just in a very limited way IMO. Of course a person should take care of their resources wisely, but there’s a fine line between being financially stable and loving money.

Excessive worry/fear->Control Issues->Anxiety/Depression

Here we are on a small rock racing through the Milky Way, with one life to live and so many people spend much of their life worrying about money and living in fear (often of not having money).

If this is you then money controls you and not the other way around, the best thing to do in that case is to donate all of your money to charity and then and only then will you have true financial freedom.

[paramount]

[quote=scaredycat]yeah, but … there’s a lot to be said for being financially solvent and having some money in the bank. if material thigs don’t matter, then ownership should be avoided, right?[/quote]

I didn’t say they don’t matter (material things), just in a very limited way IMO. Of course a person should take care of their resources wisely, but there’s a fine line between being financially stable and loving money.

Excessive worry/fear->Control Issues->Anxiety/Depression

Here we are on a small rock racing through the Milky Way, with one life to live and so many people spend much of their life worrying about money and living in fear (often of not having money).

If this is you then money controls you and not the other way around, the best thing to do in that case is to donate all of your money to charity and then and only then will you have true financial freedom.

[paramount]

[quote=scaredycat]yeah, but … there’s a lot to be said for being financially solvent and having some money in the bank. if material thigs don’t matter, then ownership should be avoided, right?[/quote]

I didn’t say they don’t matter (material things), just in a very limited way IMO. Of course a person should take care of their resources wisely, but there’s a fine line between being financially stable and loving money.

Excessive worry/fear->Control Issues->Anxiety/Depression

Here we are on a small rock racing through the Milky Way, with one life to live and so many people spend much of their life worrying about money and living in fear (often of not having money).

If this is you then money controls you and not the other way around, the best thing to do in that case is to donate all of your money to charity and then and only then will you have true financial freedom.

[paramount]

[quote=scaredycat]yeah, but … there’s a lot to be said for being financially solvent and having some money in the bank. if material thigs don’t matter, then ownership should be avoided, right?[/quote]

I didn’t say they don’t matter (material things), just in a very limited way IMO. Of course a person should take care of their resources wisely, but there’s a fine line between being financially stable and loving money.

Excessive worry/fear->Control Issues->Anxiety/Depression

Here we are on a small rock racing through the Milky Way, with one life to live and so many people spend much of their life worrying about money and living in fear (often of not having money).

If this is you then money controls you and not the other way around, the best thing to do in that case is to donate all of your money to charity and then and only then will you have true financial freedom.

[danielwis]

I”m going to go against the majority here and recommend that you not buy. When I read your 8 bullets, I saw 8 reasons not to buy, the biggest of which is your and your wife’s luke warm feelings about the house. “It would be something to do” is not a reason to buy.

Also, just because you can afford the monthly does not mean its a wise financial decision. If prices drop 20 %, you just wiped out your ability to trade up to that house that you are more than “luke warm” on. Your down payment is gone (the down payment you really don’t have).

And you have been renting for more than 10 years and don’t have the down payment yet? You are rationalizing in an irrational matter when you argue that borrowing from your retirement account is “OK” because the government “will take it” anyway. Come on.

[danielwis]

I”m going to go against the majority here and recommend that you not buy. When I read your 8 bullets, I saw 8 reasons not to buy, the biggest of which is your and your wife’s luke warm feelings about the house. “It would be something to do” is not a reason to buy.

Also, just because you can afford the monthly does not mean its a wise financial decision. If prices drop 20 %, you just wiped out your ability to trade up to that house that you are more than “luke warm” on. Your down payment is gone (the down payment you really don’t have).

And you have been renting for more than 10 years and don’t have the down payment yet? You are rationalizing in an irrational matter when you argue that borrowing from your retirement account is “OK” because the government “will take it” anyway. Come on.

[danielwis]

I”m going to go against the majority here and recommend that you not buy. When I read your 8 bullets, I saw 8 reasons not to buy, the biggest of which is your and your wife’s luke warm feelings about the house. “It would be something to do” is not a reason to buy.

Also, just because you can afford the monthly does not mean its a wise financial decision. If prices drop 20 %, you just wiped out your ability to trade up to that house that you are more than “luke warm” on. Your down payment is gone (the down payment you really don’t have).

And you have been renting for more than 10 years and don’t have the down payment yet? You are rationalizing in an irrational matter when you argue that borrowing from your retirement account is “OK” because the government “will take it” anyway. Come on.

[danielwis]

I”m going to go against the majority here and recommend that you not buy. When I read your 8 bullets, I saw 8 reasons not to buy, the biggest of which is your and your wife’s luke warm feelings about the house. “It would be something to do” is not a reason to buy.

Also, just because you can afford the monthly does not mean its a wise financial decision. If prices drop 20 %, you just wiped out your ability to trade up to that house that you are more than “luke warm” on. Your down payment is gone (the down payment you really don’t have).

And you have been renting for more than 10 years and don’t have the down payment yet? You are rationalizing in an irrational matter when you argue that borrowing from your retirement account is “OK” because the government “will take it” anyway. Come on.

[Author]

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