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Spending Fast, House, etc.

September 25th, 2015 at 08:14 am

So far the spending fast is going well. I haven't spent a penny Tuesday - today.

There's been a number of times driving home, etc. where I get the thought in my head "let me just stop and get a drink (soda)" and then I'll remind myself that #1 I can drink water when I get home, and #2 I am NOT spending any money unless I absolutely NEED to. So far, so good with that. (It kind of helps that thanks to my major overspending, I have a stash of not so healthy food in my place ... so when I'm overly stressed the food is already there ... no need to buy it ... good for the pocketbook, not so much for the waistline)

NE and I did some more talking last night. He wants me to go ahead and do the research/get started on figuring out how to get pre-approved for a home loan. From the various calculators, based just on my income debt/income ratio, we should be able to get something around $75k - or about $600/month total cost (mortgage, insurance, taxes, PMI) That'd be nearly $400/month less than what we're paying in rent currently.

By combining expenses we'll eliminate one Internet bill ($80/month Gulp) and probably cut utilities by 1/3 or so (depending on how big the house is of course.)

He's on board with the idea of a 15 year and paying extra to it so as to get it paid off as quickly as possible. I've also stressed to him that we need to have money set aside for repairs/maintenance/improvements.

I asked a lady at church (at women's ministry meeting) what Realtor she'd used when buying her recent rental property - she gave me the info for her and said she'd highly recommend. Before going with a Realtor though, I want to get the pre-approval thing done. Not sure if I should try through an online place like Cap One or through a local credit union. I'd really like to try to see if I can get the 2.75% rate ....

I read somewhere that some of the first time buyer programs that offer downpayment assistance have clauses such as they get your profit when / if you sell your home later?? I'd kind of get that if they asked you to pay back the money they assisted you with, plus maybe a little extra ... but all the profit? (Not that I think I'd really need to worry too much about that, because whatever house we buy, we will be staying put in - not planning on doing the whole "starter" house thing.)

Like I said though, still need to do some research on this whole thing.

So ... possibly a little prematurely and presumptively .... based on some conversations NE and I have had recently plus the house talk getting more serious (and him knowing my viewpoint for MYSELF about living with someone I'm not married to) ... my mom and I went to a dress shop while she was here. Yes, that kind of a dress shop.

I found *the* dress. $847. GULP. THE dress. It fit nearly perfectly. (I could possibly get the price reduced, as it is a stock dress. Alterations would be less than $50 ... Sigh.)

I can't do it. I won't do it. But me oh my ... if I had the budget for it ... and a venue/large enough prospective guest list for it ... and didn't want a house more than THE dress ... It would be mine.

Even though I'll more than likely end up getting something off the rack at Macy's or JC Penney's etc., it sure was fun to have the experience and to know that there really IS that experience of finding something that really IS THE Dress. Even if you don't actually get it.

(When/if it happens, it'll be just family and a few local friends. NE only has a sister and a close friend here, possibly a nephew that might come. We have a mutual friend here. I have a slew of family that'd come. Still, the total guest list would probably be under 20, maybe 15. So something *really* simple. Maybe even a courthouse one. My recent experience has made me rethink whether that is totally out of the question or not.)

I am at home today. Woke up feeling pretty miserable. Yesterday at work was pretty miserable (plus stressful .... Why oh why would someone ask you to do something for them, and then while you are doing what they asked, they go ahead and make their own version? Which of course is *exactly* what they wanted/pictured. And this is the person who's always talking about how she is SO behind and SO overwhelmed. Of course you are - even as you supposedly delegate tasks to me, you are either doing them yourself, or spending 20 minutes plus explaining it ...(whereas a note telling me what labels she wanted created would've been more than sufficient ... I don't have ANY interest in her job, so the explanations have ZERO interest to me ...)

So anyway ... since I am at home today during regular business hours, I plan on calling the horrible company that holds me hostage to their prices for Internet. My "promo" expired and went from $67/month to $82/month. Cannot comprehend spending that much money on Internet. (A phone line is included in the cost - it is required for whatever reason. Believe me, I have tried to tell them I refuse to have the stupid phone line. Didn't work.)

First though I'm going to call the *other* company here and see if they have a better offer. Last time they didn't.

It just galls me to pay this much for it, when in NM and TX I paid less than $40/month, and even less than $30/month (in TX.)

I got credited for my hotel stays on SBs - 2888SBs. Of course I'd seen they had a credit pending for just the first hotel stay, and I wrote CS an email asking what was going on ... CS credited me with 2888SBs. Only in my ledger it shows as for Groupon. Not Expedia. I wrote them back to let them know they made a mistake, but so far I still have the SBs. So I have enough to redeem for a $50 PayPal with plenty left over ...

Will give it a few weeks though to see if they take the SBs back or not.

8 Responses to “Spending Fast, House, etc.”

  1. Ima saver Says:

    I am excited that you are thinking about a house. As for a dress, I got married at home wearing a dress I already have. We spent less than $100 on the wedding and we have been married for almost 40 years. I would do it all over in a minute.
    We went to a $50,000 (actually, it cost more than that) wedding once. The couple divorced less than a year later.

  2. FrugalTexan75 Says:

    When/if it happens, I do want to make a little to do about it. Seeing as I'm nearly 40 and he's 49 and it'd be a first for both of us. So will definitely be buying something new. Just not THE DRESS new ... I'm thinking that THE DRESS would probably be appropriate in a $10-15k wedding. Not anywhere close to what I hope to spend (although I don't think I'd get away with $100 either. But maybe $1k ...)

  3. creditcardfree Says:

    How exciting to be thinking about weddings and homes! Smile

  4. CB in the City Says:

    All in all, I think the dress is one of the lesser expenses in a wedding, when you consider reception costs, honeymoon et al. If it makes you feel wonderful -- well, that's worth something.

  5. FrugalTexan75 Says:

    CCF - CB - Smile

    Frown I'm sad though. I checked out the link left by someone on a previous post I made about wanting a house possibly. The first time homeowner's downpayment assistance --- they require 2 years of continuous job history. I have a break of 2 months.
    NE would qualify with the job history, but I'm not sure if his credit score would.
    I could go to the classes (m and w nights) but NE couldn't.


    I'm going to see if there is a number I can call to talk to a live person...

  6. Kiki Says:

    Keep the dress in the back of your mind when you get closer. It may go on sale or be deeply discounted at the end of the current season. Or you may find the same style of dress as you look so keep the style and look in mind.

  7. livingalmostlarge Says:

    Keep dress in mind and see if and when you get married maybe it'll be there ready and waiting.

  8. sandy Says:

    you lived with him before for 8 weeks

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