Wealth...

Touchy Subject Alert

Money. Okay, so now that you know what this post is about, if you don't want to keep reading that is perfectly fine. I am writing about this because honestly it is a something that seeps into my life every day. Rent, Gas, Food... The downfall of adulthood is that everything costs money. No more asking anyone else for money, and unfortunately no birthday money. 

We are trying to figure out how to buy a house once our rental contract is up. Our landlords have been horrible, and if we can manage to get enough money together to get the place bought we will actually be spending less monthly. Our rent is cheaper than some places around here, but our landlords also don't follow through with the contract we have in place. Our part of the house is narrow and prone to bugs and water in the basement. It's exhausting fighting against them, and I'm just done with it. 

So, that brings me to what we're doing. We're applying for a program that would help us make the down payment, and seeing if we can find a nice place that we can get a mortgage for so we can survive. I had never heard of a down payment assistance program, but a few of my coworkers pointed me in the right direction. Now I just have to wait and see what needs to be done. 

While we're saving, we are really trying to scrimp. That is so so hard for me. I am a bit of a frugal shopaholic. Plus, I occasionally spoil myself to feel better about life. (see the last post just for an idea of what I mean) I am horrible with money, and have to trick myself into thinking we are more broke than we are so we can save. I know we don't have a lot, but we want to be out of our unsafe neighborhood and in a place that has plenty room for the dogs to run and the cats to hide, and even a place to someday bring a child into our family (blog to come on that). 

So, what are some tips you guys might have? I know I have friends who might have tips on buying a home, as they have, so I'd love to hear your opinions. Also, anyone have any ideas on how to improve your credit score or improve the speed of paying off debt? I already know we wouldn't be able to handle the David Ramsey method, so don't even bother on that. This area of town makes me way too nervous to have cash on me at all times. 

If you would like to see a blog on my thoughts on anything specific, let me know! 

Love you guys! 

Susan