Mmmmmm…..grapes…..yummy. Red seedless grapes. I’m eating them. right. now.
Anyway…. there’s been a lot of stuff going on in my life, real and imaginary. I decided that it was time to make some lists and some goals. I figure, if I post them on my blog, I might be more likely to accomplish them, because I’m airing them, so to speak. April is nearly here and in the past 7 or so months, a lot has happened to me.
1. August 14, 2004: I separated from my husband and moved out on my own into an apartment.
2. I got divorced. (Finalized on December 20, 2005. YAY!)
3. November, 2004: I started working in a healthy work environment.
4. March 2005: I got rear ended.
5. March 2005: I got a new car.
6. March 2005: My last remaining grandparent died.
I have realized that if I’m going to stay in this town, I better start looking at buying a house instead of renting for the rest of my natural life.
I have realized that I am the author of my life and I get to decide what I do with it. No one else. This is a duh kind of a thing, but apparently I needed to be reminded of this.
My lease is up end of July or mid-August. I believe its mid-August. I don’t want to keep renting and do want to buy a house. A very small house. So, I’ve started looking and there are a few that I am interested in. One in particular. So, next step will be to pre-qualify for a loan and see if what I am looking at is truly affordable for me. I think it is, but I’m not sure. Plus, its scary to think about qualifying for such a big loan. My credit is good. I mean, I did buy a new car and qualified for 1% financing and got $1500 cash back. My debt is manageable, but more than I care for.
Here’s a list of my debts:
1. School loan (approx $15,000)
2. ONE credit card (You don’t want to know… It’s really not that bad.)
3. Car payment
4. School loan (less than $2000)
5. One semester’s worth of dropped classes. (approx $1000)
The two school loans need to be consolidated into one payment. It’s my own fault for not doing that yet. Laziness on my part, really. I have no good excuse for not doing it yet. Anyway, that’s my debt. The rest of it is just the bills for living.
Anyway, the house I’m thinking about (and have just called my realtor friend about to go look at this Saturday and just left a message with a loan person that I’ve used previously to see what I can prequalify for) is in the neighborhood I want to live in, is about a mile from where my apartment is now and is in an area where real estate is only going up up up. It’s a little 2br/1ba house with a fenced yard. I am a simple person who is a minimalist at heart. I only want what I need and I am trying my best (outside of knitting) to live beneath my means. I like small things. I am a small person. Well, short, anyway. 
I think part of what has spurred on these things is the realization that I’m just a few short years from 30. I am 26 and 3/4 at the present. I’ll be 27 on July 15. (Presents are always welcome. Especially if its yarn! ) I guess I feel like I should start doing somethings that are more “adult” like, if you will.
Right, so here are my goals:
1. Consolidate my two school loans into one so I only have one payment. Duh.
2. Prequalify for a mortgage.
3. Buy a house.
4. Possibly get a second, part-time job. I’ve been going back and forth on this for awhile.
5. Get rid of the debt I have. This one is L.O.N.G. term.
6. Stay out of debt. Or at least, as much as possible…with stupid debt.
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