mission : put on my big girl pants

Posted on | January 19, 2010 | 18 Comments

A goal is better than a resolution, is it not? i feel like resolutions must begin january 1st, and usually end around january 13th or 14th, once you realize that doing that resolution sucks and that is why you weren’t doing it in the first place. so while i did resolve to make my blog better and succeeded, a more important goal for this year is to become what i’ve been sort of claiming* to be for a while now : an adult.

*not like by my mature actions or anything, just by being a certain age (that cannot be helped), being married, having a kid and paying bills and the whatnot.

our goal this year is to buy our first home. being a blog-stalker extraordinaire, i am well aware that most people my age reading have already taken that step. the thing is, we love our townhouse. it’s cozy and holds all of our important memories. scot proposed to me in our bedroom the day we moved in (note to self, tell this story someday), we erm, created Harper in this house and brought her home to it. many a get-together has happened here in the past 4 years and these walls have seen more laughter and love than i could ever put here. it is all we know as our little family of three.

last year at this time, there was no way i would have wanted to leave it. however, now that it’s my house and my workplace, and we have a toddler, i see that it’s time to go. if we ever want to move forward with our family, we need more space. the dogs need a yard to run in and Harper needs to chase after them. if we had another baby now, it would have to sleep somewhere amongst the piles of paper, crafts and lord knows what else is on the bed in the guestroom/office/firey depths of “catch-all-room” hell. and i have a hunch that cps wouldn’t back that.

so this year we are focused. we don’t have much credit card debt, so paying that off will not be hard. our issues lie in our car payments, and fact that we have 2 of them . i know how much getting rid of those can positively impact the amount of house you can buy, and you guys? i do not want to leave this town. unfortunately that means dollar dollar bills y’all when it comes to real estate. which is why this goal will take all year, and possibly well into next.  the good news is, finding an agent will be no problem, in fact i have no idea how i will even choose between all the rad ones i know. also budget-inhibiting is the fact that i don’t work and we’d like to keep it that way.

this is the part where i ask you for advice, or at least a comment telling me it will all be ok, not scary at all, and that my hair looks pretty. ok, not that last part, because lets be honest, mama needs a dye job and trim like no ones business. but about the home-buying part? yes. i need help. any tips, tricks or websites that helped you when you were attempting to be an adult, too. not the basics really, because i did work in real estate before i had Harper, but more like things that helped you better understand home-buying, or helped you plan better for it, etc.

and lastly, this post brought to you by hour number FOUR of the neighbors dog barking (which commences the second she leaves in the morning) and by the [profanity here] neighbor kids who find it hi-lar-ee-us to sit on a skateboard and roll down the hill screaming bloody murder, coming to rest on our tiny patch of front lawn (causing neighbor dog to bark even louder).

Comments

  • Roxanne

    Well you are setting a wonderful goal and being realistic about it! It is stressful but so exciting! Do you have financial/lender contacts? I would meet with someone now just to see where you are at and what you can do to achieve your goals. Planning is important. Good luck! You will get there!

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    Mandy Reply:

    thanks roxy! i mentioned it to scot and we are going to go talk to a lender and see where we are headed.

    miss you!

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  • http://www.emmiebee.com Emmie Bee

    Just meet with a loan officer to discuss your options! Get a good idea of where you are at and if you need to take care of anything first. I’d say get your property taxes added to your payment- even though they don’t MAKE you do that- coming up with 7ish K at the holidays is SCARY. Even though your payment is higher every month it definitely takes some stress off at the end of the year.

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    Mandy Reply:

    omg. 7 grand? no. just no.
    thanks. i’d much rather pay more monthly.

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  • Kristin

    I totally agree with everything that has been said so far. Also, when we were house shopping, Aaron and I made a list of the things we ‘needed’ in a home and the things we ‘wanted’. It helped so much when we were looking at houses. That way we wouldn’t get caught up in all the ‘sparklies’ of a place and forget to check if they had a dishwasher in the kitchen. It also helped because we were able to discuss the different things that each other felt were necessary in a home.
    Good luck and happy house hunting!

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    Mandy Reply:

    i’m excited to get to the house hunting part, although that probably won’t be until 2011. i want to shop!

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  • http://kmcclelland.wordpress.com/ Kirsten

    One thing we did for a few months prior to looking was to track our budget, like, to the PENNY. And we weren’t trying to be super tight with it, just trying to get a realistic picture of how we spend our money. That way, we knew how much we could really afford in a mortgage payment without being house-poor.

    Loved Harper’s piggies too! Let’s get together over my mid-winter break for a playdate…it’s Feb. 15-19. Can’t wait to see you guys again!

    -Kirsten

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    Mandy Reply:

    great advice. since a realistic picture of how we spend out money = me going to target too much, this should be an eye opener. :]

    and omg, YES! playdate – squeeee!

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  • http://babywaters.wordress.com Marissa

    I know how you feel!! My husband and I have the same house buying goal as you this year!! And we are scared shit less..lol..We have lived in this apartment for years (where he also proposed to me..and we made our lil girl who will be here in February) But, we need to grow up and find a place with more room. Just think about all the memories you will make in a new home, and take lots of pics of your old place before you take anything down and start packing…that way you can look back! Just remember this is a step forward and in the right direction and its scary and hard but for the better!! Take Care!!

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    Mandy Reply:

    i will take a million pictures!

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  • Miss H

    Stranger danger–you don’t know me, but I read your blog and am from Seattle and think the way you type-talk is hilarious and your daughter is so cute I could eat her whole (but wouldn’t because that would be gross and I am not a cannibal) ; ) All I have to say is 1)Good for you! You will love owning your own home big time. 2) Home buyer tax credit if you close by April 2010…that is $8000 in your pocket of free money from the government. I hear it takes 4 months to get back right now, but it is free moolah. 3)My favorite source to gander at homes is http://www.redfin.com. 4)Find a mortgage broker you can trust who will look at your finances and give you options of loans from lots of lenders….don’t just go to one lender. Ask one of your real estate buddies for a mortgage broker they trust and they should help find you the best loan across several lenders. Also, look for one who knows a lot about first time buyer loans and programs…there are several. Make sure someone gives you a mortgage estimate that will include the mortgage, home owners insurance, property taxes, and mortgage insurance all combined (you have to have mortgage insurance if you put less than 20% down and it is usually $150-200/month)…make sure this is all added up to give you an accurate monthly cost so you know what price range to look in. For most lenders this combined is what you will pay them as your mortgage and they pay out these items to the insurance company and your local government.

    4) Have fun because this is exciting and you get to decide what is best for you and your family and you could get a serious steal right now on a home!

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    Meghan Reply:

    New to the mommy blog reading world, but love yours dearly already. When you get quotes, see if it makes a difference to get (1) you and scot together on the mortgage or (2) scot by himself. if you have different credit numbers, you can really save a lot. Both of you can still be listed on the deed of ownership, even if only scot is on the mortgage. That’s how my hubbs and I did it– even though I earn 2x his salary, he has absolutely PERFECT credit (mine is still good but this man has never paid one bill late in his life and has a longer credit history than me)and we were able to get a super-low interest rate because of it, whereas we would have gotten only a “good” interest rate with both of us on the mortgage.

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    Mandy Reply:

    meghan, thanks for reading! we kinda went through that buying our last car. even though i don’t work, my credit has way more history, so it was better to use mine even though i was making no moolah. i assume it will be the same with this endeavor.

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    Mandy Reply:

    miss H, best comment opening ever. love it. and it would be awesome to get the tax credit…just don’t know if we can make it happen before then. gah!

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  • Meghan

    oops, i’m a blog doofus and left my comment as a reply. oh well.

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  • bobbi

    My advice is found in this quote,”A goal without a plan is just a wish”. Go for it! Follow your dream, and create your OWN future. You & Scot have our love and support in whatever you choose to do. No strings. Wear those big girl pants proudly! xoxo~ bobbi & paca

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    Mandy Reply:

    good quote! it will probably be next year before we start looking, so you’re not getting rid of us yet! :] just kidding. we love you guys!

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  • http://babyrabies.com Jill @BabyRabies

    We bought our house nearly two years ago, and we had two car payments at the time. I guess it affected how much house we could afford, but it didn’t seem to be that bad. My advice is get something basic. Yeah, it sucks to move into a house that needs a lot of upgrades (and by upgrades I don’t mean work to make it livable, I’m not suggesting you move into a fixer upper), but low house payments make life less stressful, and then you can put your own stamp on the place as time goes by. Plus, then you don’t have to sacrifice location as much. You’ll be fine! It’s very exciting.

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