How quickly things can change. I attended my First Time Home Buyer class on Tuesday and it was really eye opening. I honestly think everyone should attend one before buying a house. It shouldn’t matter if you need grants or not. They go over a lot of things that everyone should know and I think it’s something that anyone could benefit from. They even had a Realtor and Lender there to talk to everyone and go over different topics that they specialized in. It was a nice way to actually find someone to use in the process as well. That’s just as overwhelming as everything else that goes along with buying a home.
And “overwhelming” is the keyword here. On the way home from the class, I started to freak out. I started thinking of all the money needed to even get the process started. Sure, I have some saved but not enough that I feel comfortable with. I need to get a handle on my spending. I need to pay things off. And I need to actually do these things. And maybe home ownership isn’t for me. I don’t need a house, I just need a place to call my own. That could even be an apartment. Or even a condo. It’s just…a lot. And I’m sure it’s normal to feel this way but it just felt very heavy. I’m a single person. That means everything is on my shoulders. That’s a lot of stress and responsibility.
In the end, I guess the class really did help. I’m sure I’m not the only person who left going “Maybe I need to wait a bit.” So, for now, it’s time to come up with a budget and a plan. The first thing to fall will be the balance on the car. If I can do that, I can quickly clear up $300 a month. I’ve already cancelled my Ipsy which was only $10 a month but it all adds up. I’ll start bringing lunch to work and I’m going to put a hold on any new Hot Toys. At the moment those orders cost me $108 a month, give or take. Luckily they should be shipping soon and that will be even more money I can throw at bills.
Now to just put everything into action.