I am bored at work again, I can't wait until I move to the new role and have things to do
Mah nuckle is still tender...thanks Socks...what is it with you and shooting my hands (more specifically my knuckles)? That one spot on my rib is still really really tender too, but luckly those are the only things giving me trouble, streching really paid off.
I'm still idly looking at car options, I have a semi-short list of cars I'd like to test drive still Honda Fit (probably too small), Mitsubishi lancer, Scion tC, Mini Cooper (more than I'd like to spend), and Toyota Carolla. Hated the Ford Focus and Chevy Cobalt, Saturn no longer appeals to me (I think they are asking too much for what they are), VW Rabbit was disapointing (shockingly). Still have a stiffy over the Subaru Impreza. If I could find one used that was only 2-3 years old (i.e. fresh off a lease) I'd be seriously intrested.
The problem arises with, I want to move out...badly. I cannot survive another summer in that house. The hole they stuck me back into with all my possesions is far too small and in the summer it is at least 10 degrees hotter than any other room, on the best days (so living conditions are miserable). That's ignoring the fact that I'm tired of the people I live with, and I want my freedom back. I'm also not too keen on paying rent, I've seen condos listed that are big enough for me (still small, 1 bedroom) that are really cheap and are actually cheaper than rent by over $100 a month (with a 15-20 year morgage) which is well over enough to cover "unexpected expenses" that less informed first time buyers don't see (association fees, common space fees...blah blah blah). However getting a morgage right now is much more difficult than it was even 2 years ago, and having a car loan reflects poorly on a morgage application.
So the game remains stay where I am and keep the car going (shouldn't be too hard, it's not really riddled with car-aids yet, it's just getting on in years) and save a large ammount for a down payment, because if I can't hit 20% I'm stuck paying PMI (since the other options basically exploded), if I can even get the loan with less than 20%.
Sadly I do not have the number I want/need in time to have a realistic timetable to move out before it gets hot, and decidely unbearable in my current residence.
When I step foot in the place where I currently reside, I feel like I'm not living, I'm just surviving...and I want to live again, I'm willing to pay the money to feel like I'm living.
I could afford an appartment and live there for a year or two but my savings rate would plummet and I don't know if that would be the best decision right now. It's just getting really hard to convince myself that I'm "better off" saving now and working on owning something a little later.
I'm still idly looking at car options, I have a semi-short list of cars I'd like to test drive still Honda Fit (probably too small), Mitsubishi lancer, Scion tC, Mini Cooper (more than I'd like to spend), and Toyota Carolla. Hated the Ford Focus and Chevy Cobalt, Saturn no longer appeals to me (I think they are asking too much for what they are), VW Rabbit was disapointing (shockingly). Still have a stiffy over the Subaru Impreza. If I could find one used that was only 2-3 years old (i.e. fresh off a lease) I'd be seriously intrested.
The problem arises with, I want to move out...badly. I cannot survive another summer in that house. The hole they stuck me back into with all my possesions is far too small and in the summer it is at least 10 degrees hotter than any other room, on the best days (so living conditions are miserable). That's ignoring the fact that I'm tired of the people I live with, and I want my freedom back. I'm also not too keen on paying rent, I've seen condos listed that are big enough for me (still small, 1 bedroom) that are really cheap and are actually cheaper than rent by over $100 a month (with a 15-20 year morgage) which is well over enough to cover "unexpected expenses" that less informed first time buyers don't see (association fees, common space fees...blah blah blah). However getting a morgage right now is much more difficult than it was even 2 years ago, and having a car loan reflects poorly on a morgage application.
So the game remains stay where I am and keep the car going (shouldn't be too hard, it's not really riddled with car-aids yet, it's just getting on in years) and save a large ammount for a down payment, because if I can't hit 20% I'm stuck paying PMI (since the other options basically exploded), if I can even get the loan with less than 20%.
Sadly I do not have the number I want/need in time to have a realistic timetable to move out before it gets hot, and decidely unbearable in my current residence.
When I step foot in the place where I currently reside, I feel like I'm not living, I'm just surviving...and I want to live again, I'm willing to pay the money to feel like I'm living.
I could afford an appartment and live there for a year or two but my savings rate would plummet and I don't know if that would be the best decision right now. It's just getting really hard to convince myself that I'm "better off" saving now and working on owning something a little later.