Moderator removed post
it is where I live. No properties here for under 650k with interest at 6.5%. make it make sense, housing here is a complete shit show.
a mortgage right now is 900 a week, plus insurance and rates at another 130 a week. Rent right now is 500 - 600 a week. 5 years ago, mortgage was 600 a week plus rates and insurance, and rent was 350 a week. It's always cheaper to rent until your twenty odd years into your mortgage, at least.
easy to invest into your retirement accounts and other things when you literally only have rent to pay. Houses are expensive and the first decade or more is just getting the interest down... then taxes which are forever.. plus fees to actually buy.. plus insurances..repairs..
buy a bus and go travel the coastline
how much younger is your husband....
I'm in a similar position and have pre approval for a 525k loan. Have a decent deposit to allow me and my daughter to find a house up to 630k but I can tell you now... I've done the math, and I will be house poor. At the moment, I have enough savings to feel comfortable that if I lost my job we would be ok ... have enough spare money to invest and keep saving and to do fun things with my girls. I don't worry about the bills because I can afford them. If I go ahead and buy a house that all ends. I have to worry about the mortgage, the rates, the insurance, and the repairs. I'll have no safety net, and fun times are over. I feel sick when I think about buying, particularly as I have to spend over half a million on a basic entry-level property. I feel sick knowing my bank account will go from healthy to nothing. I feel sick knowing if I can't keep up with the additional payments, which will more than double, then I risk losing the house anyway. When I think about continuing to rent I feel blessed that I can afford to rent us a home that is beautiful and would cost about 800/900k to buy. I feel blessed that I only have to pay rent.. I feel secure knowing I'm not trapped in a job because I'm a good saver and have resources to live on... I feel happy that I can just take my girls out or away and buy them nice things... I feel sick that we could be asked to vacate every year and that I have to put up with quarterly house inspections.. I worry about being homeless in both scenarios, whether I loan from a bank or rent from a landlord ... I worry about being 60s...70s..80s with rent, but then I remind myself that I'll have decent finances and children to live with or ill buy a van and park in a beach caravan park..
What I'm saying is.... don't stress about home ownership... just live and save and invest and be happy .. you will buy when it's right for you or you won't .
I've given up getting mine back
wtf happened to the bull run
Yindi is very much all about what she wants when she wants it, she wants to play and Charlie wants to rest so poor Charlie gets dragged around and has toys shoved in her face constantly if we aren't there to supervise. We can't leave them alone because the risk for Charlie to get hurt is too high.
actually looks more Chow Chow to me... beautiful either way
isn't Romania the capital of Human trafficking and rape?
can you step it back and sit on the dose that works for you.... I will put myself up when I need to.. my dr is happy for me to do what my body tells me
Our old girl is a little Maltese X, and she is miserable now that Yindi is a big girl. She doesn't get to spend her old lady years (also 14) in peace anymore.
I've been happy on 0.6 for three months. My dr said stay on the dose that works. I could go up a dose now because I get hungry and I get cravings but I'm better equipped to manage them now and my goal is to manage my weight in real life without an appetite suppressant Saxenda is a tool for me .
buddy anyone that plays stupid games like you shouldn't be on the road. I can tell you now p platers aren't confident and terrorising em cause your a dickhead causes accidents. get over yourself
awww such a big brave Hoooman to try and exert dominance and superiority over less confident drivers
I mean... as a driver i either move into the right to let them do their thing or I step off the accelerator so they can safely get in ... no point getting pissy or raged .. my goal is to get where I'm going safely even if it means accommodating for drivers with less confidence
I was just wondering g if you use any kind of calorie food tracker apps? what I've discovered since using Saxenda is that yes, it's amazing with providing a feeling of satiety and stopping cravings, but it doesn't make you lose weight. YOU do that through your calorie deficit. I used a food tracker every day religiously and re programmed my mindset whilst using Saxenda so that I learnt how much I can eat and what I can eat. I'm now on 0.6, and I'm hungry and have slight cravings, but I'm still consistent in using my tools to prevent relapse into sugar and binging. At the end of the day, staying on meds long term is expensive, and using it as a tool while you get control of your mind and habits while upskilling and educating about what to eat and when should be the goal. Then you have changed your life.
it's been a month and 3kg down. I'm on 0.6 and love that dose. Tried going up and side effects were horrendous. doc said if 0.6 works then stick with it. Sugar cravings gone...hunger pains gone... love it.
I prefer highly independent with their own minds rather than stubborn π
don't call them an It
Honestly, people die all the time. They die at home as often as anywhere else. The method of death is neither here nor there. You aren't the first to buy a house someone died in, and you won't be the last.
Your fear is stemming from the unknown.... if it was murder was the killer apprehended? could they come back? how did they get in? This is valid.. unlikely to be a murder but you never know... get one of those light things and see if there's blood spatter ... imagine if it's all over the walls and ceiling.. It's definitely a brutal death.
Suicide.... super sad equally brutal I'd get the light on and take a look.
Then clean up.. smudge the place and enjoy your house!! congratulations home ownership in this climate is out of reach for many
We bought a house 2 months ago and just found blood in it, we're not sure what to do now.
RealEstate