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FIND YOUR DREAM HOME OR APARTMENT
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These Gen Xers have just found out a house is no longer necessary now that the income has dipped below $50,000 K per year. Took a long time of skipping groceries and trying to wrangle with the bank, the backer and the Politicians before the final small amount of fifteen years of mandatory as a condition to employment overtime was removed from the pay check.
Yep. Everyone, you heard me correctly. A house is not necessary. They are a lot of hard work, especially the houses targeted to first time buyers. Two things tripped us up with this less than <$900 sq foot, seventy-seven year old house...
1. Energy bills due to a lack of outside wall insulation.
2. We were talked out of a 20% downpayment. I would like to go back and kick myself for that decision. But, we assumed the walls were insulated and had no idea the energy costs associated with such a lack.
This year, the Polar Vortex is ripping the house apart. So, it seems even bad luck can be good luck, sometimes. Good-bye lead paint and mold! (Although, I'm happy to report, tea tree oil is very good for cleaning and preventing outbreaks of mold. But mold is sneaky, it ate the paint which is now peeling. Sigh.)
Deed in Lieu, and those who would not help when it was time to do so, can sell the house for us.