[sdduuuude]

You can’t get a loan because prices are too high and the banks know it.

[sdduuuude]

You can’t get a loan because prices are too high and the banks know it.

[sdduuuude]

You can’t get a loan because prices are too high and the banks know it.

[sdduuuude]

You can’t get a loan because prices are too high and the banks know it.

[sdduuuude]

Well, I’ve been doing some shopping. I drove a Mazda3 and asked alot of people about it. All reports are good. My truck has a 4.0L V-6 so I definitely noticed it was underpowered but I’m not looking for power and I liked it alot.

I found the only 2008 Mazda3 in the county. It’s pretty cheap. I’m considering keeping the truck and getting that Mazda3.

Also looking at used Infinity G35s. They seem nice. Haven’t looked into the RSX yet. A buddy is trying to talk me into a V6 Chevy Colorado Crew Cab. But it’s a Chevy and that’s a tough sell for me.

Gas mileage realy sucks on the Toyota Crew Cabs pickups. Same buddy says “why can’t Toyota build a fuel efficient truck?” I don’t know the answer.

One of the noises on my truck that I thought was expensive turns out not to be so bad, so if I can fix that clakety lifter, I may be able to sqeeze a few more months out of it. Since I found that out, my craiglist surfing slowed down quite a bit.

My next step is to take the truck in and see how much life the mechanic thinks it has left. Still, it’s like housing – the longer I can hold out, the better deal I’ll get.

I have heard good things about Hyundai. Anyone ? Anyone ?

[sdduuuude]

Well, I’ve been doing some shopping. I drove a Mazda3 and asked alot of people about it. All reports are good. My truck has a 4.0L V-6 so I definitely noticed it was underpowered but I’m not looking for power and I liked it alot.

I found the only 2008 Mazda3 in the county. It’s pretty cheap. I’m considering keeping the truck and getting that Mazda3.

Also looking at used Infinity G35s. They seem nice. Haven’t looked into the RSX yet. A buddy is trying to talk me into a V6 Chevy Colorado Crew Cab. But it’s a Chevy and that’s a tough sell for me.

Gas mileage realy sucks on the Toyota Crew Cabs pickups. Same buddy says “why can’t Toyota build a fuel efficient truck?” I don’t know the answer.

One of the noises on my truck that I thought was expensive turns out not to be so bad, so if I can fix that clakety lifter, I may be able to sqeeze a few more months out of it. Since I found that out, my craiglist surfing slowed down quite a bit.

My next step is to take the truck in and see how much life the mechanic thinks it has left. Still, it’s like housing – the longer I can hold out, the better deal I’ll get.

I have heard good things about Hyundai. Anyone ? Anyone ?

[sdduuuude]

Well, I’ve been doing some shopping. I drove a Mazda3 and asked alot of people about it. All reports are good. My truck has a 4.0L V-6 so I definitely noticed it was underpowered but I’m not looking for power and I liked it alot.

I found the only 2008 Mazda3 in the county. It’s pretty cheap. I’m considering keeping the truck and getting that Mazda3.

Also looking at used Infinity G35s. They seem nice. Haven’t looked into the RSX yet. A buddy is trying to talk me into a V6 Chevy Colorado Crew Cab. But it’s a Chevy and that’s a tough sell for me.

Gas mileage realy sucks on the Toyota Crew Cabs pickups. Same buddy says “why can’t Toyota build a fuel efficient truck?” I don’t know the answer.

One of the noises on my truck that I thought was expensive turns out not to be so bad, so if I can fix that clakety lifter, I may be able to sqeeze a few more months out of it. Since I found that out, my craiglist surfing slowed down quite a bit.

My next step is to take the truck in and see how much life the mechanic thinks it has left. Still, it’s like housing – the longer I can hold out, the better deal I’ll get.

I have heard good things about Hyundai. Anyone ? Anyone ?

[sdduuuude]

Well, I’ve been doing some shopping. I drove a Mazda3 and asked alot of people about it. All reports are good. My truck has a 4.0L V-6 so I definitely noticed it was underpowered but I’m not looking for power and I liked it alot.

I found the only 2008 Mazda3 in the county. It’s pretty cheap. I’m considering keeping the truck and getting that Mazda3.

Also looking at used Infinity G35s. They seem nice. Haven’t looked into the RSX yet. A buddy is trying to talk me into a V6 Chevy Colorado Crew Cab. But it’s a Chevy and that’s a tough sell for me.

Gas mileage realy sucks on the Toyota Crew Cabs pickups. Same buddy says “why can’t Toyota build a fuel efficient truck?” I don’t know the answer.

One of the noises on my truck that I thought was expensive turns out not to be so bad, so if I can fix that clakety lifter, I may be able to sqeeze a few more months out of it. Since I found that out, my craiglist surfing slowed down quite a bit.

My next step is to take the truck in and see how much life the mechanic thinks it has left. Still, it’s like housing – the longer I can hold out, the better deal I’ll get.

I have heard good things about Hyundai. Anyone ? Anyone ?

[sdduuuude]

Well, I’ve been doing some shopping. I drove a Mazda3 and asked alot of people about it. All reports are good. My truck has a 4.0L V-6 so I definitely noticed it was underpowered but I’m not looking for power and I liked it alot.

I found the only 2008 Mazda3 in the county. It’s pretty cheap. I’m considering keeping the truck and getting that Mazda3.

Also looking at used Infinity G35s. They seem nice. Haven’t looked into the RSX yet. A buddy is trying to talk me into a V6 Chevy Colorado Crew Cab. But it’s a Chevy and that’s a tough sell for me.

Gas mileage realy sucks on the Toyota Crew Cabs pickups. Same buddy says “why can’t Toyota build a fuel efficient truck?” I don’t know the answer.

One of the noises on my truck that I thought was expensive turns out not to be so bad, so if I can fix that clakety lifter, I may be able to sqeeze a few more months out of it. Since I found that out, my craiglist surfing slowed down quite a bit.

My next step is to take the truck in and see how much life the mechanic thinks it has left. Still, it’s like housing – the longer I can hold out, the better deal I’ll get.

I have heard good things about Hyundai. Anyone ? Anyone ?

[sdduuuude]

Sad lot you are when my crappy little Clairemont house is “whole hog.”

[sdduuuude]

Sad lot you are when my crappy little Clairemont house is “whole hog.”

[sdduuuude]

Sad lot you are when my crappy little Clairemont house is “whole hog.”

[sdduuuude]

Sad lot you are when my crappy little Clairemont house is “whole hog.”

[sdduuuude]

Sad lot you are when my crappy little Clairemont house is “whole hog.”

[sdduuuude]

When I was in my early 30’s, I was not a homeowner either, and just before I hit 30 was the time when I stopped renting condos or apartments and rented a nice house with a roomate. That is what I would suggest.

Rent a house in a neighborhood you like, and if you can deal with it, get a roommate.

Perry said rent a house for $2500. With a roommate, I’d go for a $3K place and split it. Without a roommate, I’d go with a $2K place, but then again I live in Clairemont so I’m cheap.

If you live in UTC condo hell and like SEH, our tastes are totally opposite so I won’t give you any advice on where to rent, but find a house.

Also – take the difference between your rent and your expected house payment (financed at price less 20%. Include insur and prop tax in the house payment) and put it in the bank. This will help you build up your down payment, let prices fall, and get you used to paying a house payment every month. I think you may soon find you don’t like it and will rediscover the joy of renting.

If after a year of that you don’t miss the extra cash, you may well be ready to buy.

If you can live with a roommmate, you may be closer to a purchase than you think. As a single guy, you can own the house and rent out a room. Just a thought.

The more your rent, the longer it will take you to save the down payment, but you will have a nicer place so it won’t be that bad.

If you do rent a house, use real estate resources to determine the financial status of the homeowner, and when the house was purchased so you don’t get run out by a foreclosure or other forced sale.

Borrowing some money from your 401K wouldn’t be a bad idea if you already had the 20%, but since you are trying to borrow the down payment from your 401K, it is a terrible idea.

Bortrowing to buy places they think they “deserve” is what gets people into financial trouble. Deal with the reality of your situation not with the fantasy of your expectations.

You don’t have to own to improve your living situation.

[Author]

Posts