Thoughts About the Future
Well, I have an hour to kill so I might as well ponder some things and make some notes for myself. I've gotten so DULL. I go to work, go home, spend time with Daniel and IM friends, and then sleep. The thing is though it makes a boring journal, it's kinda nice not to have the drama. At this point I'd say my main complaint besides the tiredness from working and having like an hour and a half commute each way is basically lonliness. All of my friends out there, I love you. I miss you too. The main problem is that just about all of you are in Indiana, so when I'm not smothering daniel or seeing my fam once a week (which I try hard to do) I'm pretty lonely. I guess it's kinda hard for me to make close friends, and I miss having them near.
Don't get me wrong...I've gotten less shy about meeting people, and I have girl moments with the women at my agency and Ashley's friends and such. But I miss the kind of bonding that comes from having real deep friends near by that you can hug and tell secrets to. Daniel is among my best friends in the world, don't get me wrong, but he's a person who needs a bit more personal space than I do. Besides he just can't fill the need of having girls nearby, who are really mine.
I think another part of my issue is that I really wish Daniel and I were living together. It's been over two years now, and I'm kinda at the point where seeing him a couple times a week and not overnight just isn't filling the need. I know how clingy I sound, but I have to be honest with myself. Whether or not I lived with Daniel, I'd need to find local girls, but the not living with him situation DOES make things worse.
I'm lucky that my boyfriend is a listener, and he doesn't bitch at me when I offer "constructive criticism" about our relationship. To be fair, the criticism is mainly positive, such as "I'd love to see more of you", but some guys still hate it when you complain. Daniel is working on his credit card debt and wants to meet my deadline of living together by the end of the year. I was thinking that we'd rent, but he had an interesting proposition for me. He asked if it wouldn't be better to buy a small condo and get an investment out of our monthly living expenses.
I must admit that having a home that's really our own sounds too good to be true....I LOVE the idea....it excites me....I just hope that it ISN'T too good to be true. The thing is that land values in The DC area are completely outlandish. A small condominium, which isn't metro-accessible, still runs from 275-400 thousand dollars.....crazy huh? The good news is that when we decide to move somewhere where values aren't so crazy, we would probably be able to sell and trade up to a townhouse.
The bad news is that all of the money I have in the world is ten thousand dollars that my grandmother bequathed me in her will. I'm not sure even with good credit if that sort of downpayment could secure a loan. The good news is that rental prices are so high (like $1400 a month for a two person apartment) that a $2000 a month mortgage payment would only be slightly worse, and the payoff would be enormous. Once I get a real job with a starter salary (rather than an internship) I think I may go for it if the downpayment is doable. First, of course, I've gotta check my credit score though it should be fine, since my dad has taken responsibility for it until I get work. If it's not, I'll be shocked and pissed let me tell you cuz he says it's fine. I'd love to see my score though.....it's way annoying...the government online site wouldn't get my free online credit report cuz the site couldn't verify my online info. Ah well...I guess I'll have to phone them up.
Anyways, I'm psyched at the thought of finally having money to invest in my future and also at the thought that Daniel wants to put a sizable portion of his income into owning a home with me when I would've been happy just to rent with him! :) So I guess that's my future goal once my lease runs out in August....I may extend a bit monthly though if it takes time to iron out the details. Who thought I'd grow up so quick huh? Anyway, sorry to be boring and financial, but I'm still in the psyched pondering phase. If I ever get anything more concrete and exciting like a website or a floorplan, I'll be sure to post it.
Don't get me wrong...I've gotten less shy about meeting people, and I have girl moments with the women at my agency and Ashley's friends and such. But I miss the kind of bonding that comes from having real deep friends near by that you can hug and tell secrets to. Daniel is among my best friends in the world, don't get me wrong, but he's a person who needs a bit more personal space than I do. Besides he just can't fill the need of having girls nearby, who are really mine.
I think another part of my issue is that I really wish Daniel and I were living together. It's been over two years now, and I'm kinda at the point where seeing him a couple times a week and not overnight just isn't filling the need. I know how clingy I sound, but I have to be honest with myself. Whether or not I lived with Daniel, I'd need to find local girls, but the not living with him situation DOES make things worse.
I'm lucky that my boyfriend is a listener, and he doesn't bitch at me when I offer "constructive criticism" about our relationship. To be fair, the criticism is mainly positive, such as "I'd love to see more of you", but some guys still hate it when you complain. Daniel is working on his credit card debt and wants to meet my deadline of living together by the end of the year. I was thinking that we'd rent, but he had an interesting proposition for me. He asked if it wouldn't be better to buy a small condo and get an investment out of our monthly living expenses.
I must admit that having a home that's really our own sounds too good to be true....I LOVE the idea....it excites me....I just hope that it ISN'T too good to be true. The thing is that land values in The DC area are completely outlandish. A small condominium, which isn't metro-accessible, still runs from 275-400 thousand dollars.....crazy huh? The good news is that when we decide to move somewhere where values aren't so crazy, we would probably be able to sell and trade up to a townhouse.
The bad news is that all of the money I have in the world is ten thousand dollars that my grandmother bequathed me in her will. I'm not sure even with good credit if that sort of downpayment could secure a loan. The good news is that rental prices are so high (like $1400 a month for a two person apartment) that a $2000 a month mortgage payment would only be slightly worse, and the payoff would be enormous. Once I get a real job with a starter salary (rather than an internship) I think I may go for it if the downpayment is doable. First, of course, I've gotta check my credit score though it should be fine, since my dad has taken responsibility for it until I get work. If it's not, I'll be shocked and pissed let me tell you cuz he says it's fine. I'd love to see my score though.....it's way annoying...the government online site wouldn't get my free online credit report cuz the site couldn't verify my online info. Ah well...I guess I'll have to phone them up.
Anyways, I'm psyched at the thought of finally having money to invest in my future and also at the thought that Daniel wants to put a sizable portion of his income into owning a home with me when I would've been happy just to rent with him! :) So I guess that's my future goal once my lease runs out in August....I may extend a bit monthly though if it takes time to iron out the details. Who thought I'd grow up so quick huh? Anyway, sorry to be boring and financial, but I'm still in the psyched pondering phase. If I ever get anything more concrete and exciting like a website or a floorplan, I'll be sure to post it.