@@OrdinaryEverydays it's much harder now a days for young couples to buy a house. Also, there are so many other costs to maintaining a house too. If it's stressful now just talking about it then don't do it. Saving more money and putting more away or investing some of it will help ease your mind. You are budgeting very well so just continue to do what u are doing. I think some people can still achieve financial freedom without purchasing a home. Just continue to live within your means. Live simply, laugh lots and love more. Take care!💜
Hi Welcome back! My kids like playing on the classic nintendo they came out w a few years ago, has lots of old games on it lol. Im happy to hear your husband is back to work. Feds will cut rates more this year..hopefully you can have better luck buying a house in the new year. Great progress on the debt :)
My kids love old school Nintendo too :) I really hope the rates do go back down! Fingers crossed… it’s so hard to wait in the meantime but we’ll get there when the time is right :) Thanks for your comment and for watching!
I would pay off the debt and keep saving. Put yourself in the best financial situation you can before you buy. No rush. Like you said you are living below your means.
We bought our house at 5.9% apr however the mortgage payment was lower than our rent payment. We bought a house we liked (zoned to a good elementary, pretty views of mountains, rural) and $70k less than our max approved budget. If mortgage rates drop we can always refinance. I focused getting into the right house at a payment that made sense for our budget. Be honest about whether or not you and your spouse can handle a home with house repairs. We spent 18 months renovating our 1920’s home and now we adore our home but it was a lot of stress!
I love historic homes but we are definitely not very handy so I have to be realistic for sure! That sounds amazing with pretty views and good schools combined. I think the key for us is to be patient and thing will eventually figure themselves out 🤞🏼 and just keep paying off debt in the meantime!
You have the freedom of being able to wait and jump on a good house deal if you see it. But with other current financial goals it’s probably best to focus on having the ability to pay off that debt while you can. A house is likely to bring so many expenses and wanting to decorate etc. that you need to have the savings to back that up and also the mindset to not go back into debt to do it. There’s no rush, particularly if your rent cost is so much lower than housing costs. You can get that last bit of credit card debt gone soon and bulk up the savings. You can never have too much saved for a home!
Yes, debt payoff is priority #1! It’s hard to stay patient with house hunting but it’s better to be prepared than rush in, especially with where the housing market is at right now!
Nice to see u back! :)
Thank you! Glad to be back ❤
@@OrdinaryEverydays it's much harder now a days for young couples to buy a house. Also, there are so many other costs to maintaining a house too. If it's stressful
now just talking about it then don't do it. Saving more money and putting more away or investing some of it will help ease your mind. You are budgeting very well so just continue to do what u are doing. I think some people can still achieve financial freedom without purchasing a home. Just continue to live within your means. Live simply, laugh lots and love more. Take care!💜
Happy fall y’all 🥰 how do you make big financial decisions??
Hi Welcome back! My kids like playing on the classic nintendo they came out w a few years ago, has lots of old games on it lol. Im happy to hear your husband is back to work. Feds will cut rates more this year..hopefully you can have better luck buying a house in the new year. Great progress on the debt :)
My kids love old school Nintendo too :) I really hope the rates do go back down! Fingers crossed… it’s so hard to wait in the meantime but we’ll get there when the time is right :) Thanks for your comment and for watching!
I would pay off the debt and keep saving. Put yourself in the best financial situation you can before you buy. No rush. Like you said you are living below your means.
I think that’s the best plan especially with mortgage rates going back up again!
We bought our house at 5.9% apr however the mortgage payment was lower than our rent payment. We bought a house we liked (zoned to a good elementary, pretty views of mountains, rural) and $70k less than our max approved budget. If mortgage rates drop we can always refinance. I focused getting into the right house at a payment that made sense for our budget. Be honest about whether or not you and your spouse can handle a home with house repairs. We spent 18 months renovating our 1920’s home and now we adore our home but it was a lot of stress!
I love historic homes but we are definitely not very handy so I have to be realistic for sure! That sounds amazing with pretty views and good schools combined. I think the key for us is to be patient and thing will eventually figure themselves out 🤞🏼 and just keep paying off debt in the meantime!
You have the freedom of being able to wait and jump on a good house deal if you see it. But with other current financial goals it’s probably best to focus on having the ability to pay off that debt while you can. A house is likely to bring so many expenses and wanting to decorate etc. that you need to have the savings to back that up and also the mindset to not go back into debt to do it. There’s no rush, particularly if your rent cost is so much lower than housing costs. You can get that last bit of credit card debt gone soon and bulk up the savings. You can never have too much saved for a home!
Yes, debt payoff is priority #1! It’s hard to stay patient with house hunting but it’s better to be prepared than rush in, especially with where the housing market is at right now!