ksluice
Brilliant_Rock
- Joined
- May 26, 2009
- Messages
- 537
Date: 8/16/2009 4:38:09 PM
Author: princesss
11 sounds great to me.
*excited!*
11 it is
Date: 8/16/2009 4:38:09 PM
Author: princesss
11 sounds great to me.
Date: 8/15/2009 11:50:57 AM
Author: princesss
Date: 8/15/2009 9:27:21 AM
Author: ckrickett
Date: 8/15/2009 1:19:07 AM
Author: princesss
Please remind me to never, EVER see a movie based on a book I know by heart. Kthnxbai
was it bad or just predictable?
BAD. They skipped over really important stuff, left out major characters, major plot lines, and just skipped from major event to major event, without any time given to the relationship developing. There was no down time to just see Henry and Clare be Henry and Clare, it was ridiculously rushed. I''m bitter. I knew I shouldn''t have high expectations, but they butchered it.
Damn you, Bia! For being reasonable!Date: 8/18/2009 9:55:39 AM
Author: Bia
Elle: if you can set up some sort of budget, so that you save that 275, no matter what (both get partial direct deposit into another savings account) then I''d stay put. 3k a year is not too shabby...and worth it if you don''t hate where you are. Now, if you hate where you are, then you should move. Still save what you can, possibly cut back on eating out (which I know you do a lot of) buying little nonsense things, etc.
Believe me, I feel your pain. I CAN''T WAIT to be able to afford a house, but we have no choice, so we wait. Our co-op is smaller than yours but for now its all we need.
btw: morning everyone!
I understand your issues with laundy. The house we recently rented for vacation had a washer and dryer and I was IN HEAVEN! it''s amazing how having a w/d to call your very own can seriously make you so happy! We have two washers, two dryers in our building, and doing laundy on the weekends is never going to happen. So what we do is we do the laundy late at night on a weeknight. FI usually puts it in around 9:30-10 and picks it up right before we go to bed. At that hour, we never have to worry about it.Date: 8/18/2009 10:01:48 AM
Author: elledizzy5
Damn you, Bia! For being reasonable!Date: 8/18/2009 9:55:39 AM
Author: Bia
Elle: if you can set up some sort of budget, so that you save that 275, no matter what (both get partial direct deposit into another savings account) then I''d stay put. 3k a year is not too shabby...and worth it if you don''t hate where you are. Now, if you hate where you are, then you should move. Still save what you can, possibly cut back on eating out (which I know you do a lot of) buying little nonsense things, etc.
Believe me, I feel your pain. I CAN''T WAIT to be able to afford a house, but we have no choice, so we wait. Our co-op is smaller than yours but for now its all we need.
btw: morning everyone!
I guess I know that we should stay to save more money. We should sit down, make a budget, and stick to it. We NEED to do that.
But I just dont know if I can tolerate living another 1-2 years in our current situation. I guess the 1 bathroom thing I can deal with, but I seriously hate fighting with everyone else in the building for laundry!
I want this new place, I really, really do. But.. ugh. We should be saving. My head wants one thing, heart wants another.
No, I didn''t really say much about it on here... you didnt miss a post, I don''t think! My feet have serious blisters on them from those shoes even 4 days later. I can barely walk! Worth it.Date: 8/18/2009 10:21:31 AM
Author: Bia
btw: Elle, I didn''t hear about your epic session. Did you post it somewhere? If not...can you???
Tell me about it...Date: 8/18/2009 10:35:44 AM
Author: elledizzy5
No, I didn''t really say much about it on here... you didnt miss a post, I don''t think! My feet have serious blisters on them from those shoes even 4 days later. I can barely walk! Worth it.Date: 8/18/2009 10:21:31 AM
Author: Bia
btw: Elle, I didn''t hear about your epic session. Did you post it somewhere? If not...can you???
What''d you want to know? It went really well, and it was a lot of fun! I don''t get them back for another 2-3 weeks!
We took pictures in the arcade where FI used to work when we first started dating, in a lot of urban/alley type areas. We took some in front of our sushi restaurant that we eat at once a week. Took one in front of a bookstore, too, because there was a book on display that said ''True Love'' or something along those lines.
It was super fun. BUt modeling is hard!!
Date: 8/18/2009 10:55:02 AM
Author: Miscka
Morning ladies!
Elle, that is a tough one for sure. We may well be in a similar situation. Saving for a house is no fun!!
If it were me, I would probably move. Hating where you live is a miserable feeling, no 2 ways about it. I am really sensitive to it for some reason, and I get miserable. BUT I would only do it if I could figure out a way to tighten in other areas to establish that auto savings Bia brought up. Automatic withdrawal is the way to go for sure!
I have weird emotional money issues...I know Princesss will come along and tell you to save itand they are probably right. LOL.
I woke up this morning to discover that my spam filter caught a ton of important email yesterday, so I had some angry impatient people. Ugh.
Date: 8/18/2009 9:55:39 AM
Author: Bia
Elle: if you can set up some sort of budget, so that you save that 275, no matter what (both get partial direct deposit into another savings account) then I''d stay put. 3k a year is not too shabby...and worth it if you don''t hate where you are. Now, if you hate where you are, then you should move. Still save what you can, possibly cut back on eating out (which I know you do a lot of) buying little nonsense things, etc.
Believe me, I feel your pain. I CAN''T WAIT to be able to afford a house, but we have no choice, so we wait. Our co-op is smaller than yours but for now its all we need.
btw: morning everyone!
We haven''t, actually. That''s a good idea! Maybe if we had an idea of what to save for, we could more easily set a goal? It just feels like some conceptual number that I have no idea how to meet. My parents have set aside money for us... I think 5-10 thousandish, to help with the downpayment. Starter houses in my area (11-1500 Sq Ft, 3bd/1-2 bath) in the neighborhoods that we really want would be 170-200,000. I''d like to pay no more than 190,000. If we sacrifice neighborhood just a bit, we could go down to 150-160.Date: 8/18/2009 12:24:23 PM
Author: ladypirate
Elle, have you guys gone to talk to a mortgage person yet? It might be worth just finding out what sort of down payment you guys would have to have. If you have an idea of what your credit scores are, they can run some numbers for you without actually running your credit.
We were really surprised by how little we needed for a down payment, even after the mortgage crisis. How expensive are houses in your area? We ended up finding something that was a little bit out of the way, but we LOVE our neighborhood and we have a full river view for a fraction of the price we''d pay for the same view closer in.
In any case, that would give you an idea of what your goal is. Having a tangible number can definitely make it more real. And truth be told, I''d move to the new place. Having the extra bedrooms is SO nice, especially when you have people come visit (which we have had a ton of this summer).
Date: 8/18/2009 12:57:19 PM
Author: elledizzy5
Date: 8/18/2009 12:24:23 PM
Author: ladypirate
Elle, have you guys gone to talk to a mortgage person yet? It might be worth just finding out what sort of down payment you guys would have to have. If you have an idea of what your credit scores are, they can run some numbers for you without actually running your credit.
We were really surprised by how little we needed for a down payment, even after the mortgage crisis. How expensive are houses in your area? We ended up finding something that was a little bit out of the way, but we LOVE our neighborhood and we have a full river view for a fraction of the price we''d pay for the same view closer in.
In any case, that would give you an idea of what your goal is. Having a tangible number can definitely make it more real. And truth be told, I''d move to the new place. Having the extra bedrooms is SO nice, especially when you have people come visit (which we have had a ton of this summer).
We haven''t, actually. That''s a good idea! Maybe if we had an idea of what to save for, we could more easily set a goal? It just feels like some conceptual number that I have no idea how to meet. My parents have set aside money for us... I think 5-10 thousandish, to help with the downpayment. Starter houses in my area (11-1500 Sq Ft, 3bd/1-2 bath) in the neighborhoods that we really want would be 170-200,000. I''d like to pay no more than 190,000. If we sacrifice neighborhood just a bit, we could go down to 150-160.
I really do want to move. REALLY do. But I want a house more, so if we can''t save enough moving... I think I have my answer.
I''m actually embarassed to say this.. but we eat out far more than 2-3x a week. I think thats why this whole 250/month thing isn''t such a big deal... or wouldn''t be if we cut back.. We eat out, I''d say 3, maybe even 4 times just during the work week for dinner. He eats lunch out every day at work. I mostly eat at home for lunches, but pick up takeout for lunch 1-2x/week. On the weekend, we pretty much eat every meal out, including breakfast!!!Date: 8/18/2009 1:13:38 PM
Author: princesss
Elle, honey, this situation sucks.
I would sit down with J and make a workable plan for BOTH apartments. What will your day-to-day life be like? How much will you really save? Where can you cut back?
For instance, I realized my stupid Target runs were costing me $50 - $100 every time I went. On stupid stuff. And my food habits weren''t great (I''d buy something, leave it too long, then toss it). And I went out all the time. Seriously. I spent money on stupid stuff that wasn''t improving the quality of my life. So I cut back. My food and entertainment budget is now $50 per week. That''s it. If I want something that will cost more than that, I put it back. There are outliers, of course. This week I''m taking a friend out to dinner, and I''ll pull that out of a different fund, but that''s a concious choice I''m making. I''m going to breakfast with Topo on Saturday, and that comes out of my $50. This way I''m able to aggressively pay down my debt AND handle any unexpected/unusual expenses (such as dentist visits, car tax, etc.).
So anyways, figure out where you can cut back and see if you can make up what you could save elsewhere. Find cheaper sources of entertainment. Go out to dinner once a week if you''re going 2-3 times, or once a month if you only go once every week or two. Sign up for a basic Netflix package and watch movies every few nights.
But if you''re really miserable, move. You''ll have to be stricter in order to save up enough money for a down payment, but if living where you are now is truly affecting the quality of your life - move.
Man I hope so! It''s my credit that needs work... but I''ve been working on it for 2 years now, and it''s slowly but surely getting better.Date: 8/18/2009 1:15:21 PM
Author: Miscka
Ditto LP. We haven''t talked to anyone yet, but are hoping for an FHA loan and a DP of around 5% I think? Starter homes around here are a little lower than your area, Elle, at about 150k for a good one, and I know that means we need about 7500. So if you have some parental funding you may be much closer than you think!