The Next Step

September 14, 2017

 I'm officially a married woman. YAY! 

 

The wedding was beautiful, one of my favorite celebrations ever. There was so much love, laughter, and happiness. I really couldn't have asked for more.

 

With all the planning, attention and excitement fading away, I'm beginning to feel a little deflated. And no, it's not the post-wedding blues. And yes, that's a real thing. 

 

Now that I have walked down the aisle in my big, beautiful, and proud wedding dress, I feel nervous about the next step. My husband and I are both financially stable. We've divided our bills, have 401k's, saving accounts, personal accounts, joint expense accounts and two brand new cars. For millennials, I've always considered us responsible. But could we be homeowners?

 

Owning a home used to be a virtual requirement in attaining the so-called American dream. But that was when people drove 2-ton cars, smoked on airplanes and watched live television. The world has changed a lot. I'm about to be thirty years old and I know that the next step for us is homeownership. We've talked about it, what our budget is, what our desired neighborhood is like. But this next dream looks more and more like a pipe dream by the day. 

 

Just to live that American dream, you have to pony up a lot of money.  Not everyone has that kind of cash to spare. I don't. And you can’t simply compare your monthly mortgage payment to your monthly rent — these are apples and oranges, now I have to consider property taxes, homeowner’s insurance, HOA fees and probably mortgage insurance, as well as renovations, maintenance, utilities, and other fees typically covered by a landlord. 

 

Yikes! 

 

My five-year plan has a year left to go. I've successfully cut my student loan debt in half and I've been braving the world of credit cards. I looked at some mortgage lending companies and suddenly loan lenders are calling constantly and realtors are smelling blood in the water. Suddenly motherhood is looking a lot less scary compared to facing my credit score. But we will be pushing forward. We have begun working on our credit, saving a down payment and biting our nails.

 

Unfortunately, there are some things in life that we can't prepare for. No matter how much we think we're prepared, we're just not. And if we spend forever trying to prepare for them, then we're just wasting our time. 

 

Fingers crossed everyone, this next step is gonna hurt a little.  

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