Tuesday, November 21, 2006

How Desperate is Desperate??

i finally decided this past weekend that no affordable house is going to fall in my lap right now. and considering how well i manage money, it would probably be easier and cheaper all the way around to just move into an apartment. so, i've been searching online for the past day or two. trying to see what i could find. i remember going to one particular place prolly a year or two ago with a friend of mine. i remember the efficiencies being 310 and the one bedrooms being around 350-375 at most and a 300 pet deposit. so, i got the number and called today to see if rates were possibly still the same. not quite. the efficiencies start at 340. for a one bedroom, it starts at 430. and the pet deposit is 500 mother-friggin dollars. is it even possible for my 6 pound cat to inflict 500 worth of damage on ANYTHING??

so, i've been asking myself for the past couple hours. how desperate is desperate?? i can afford 340 a month. but for 3 tiny rooms?? jeeze. how the hell do normal people live in the city?? i want to move out. badly. i go between the ex's house of frustration and the sisters house of...well, frustration. hmm. thought that was gonna come out a little more clever. guess i overestimate myself sometimes. i want to be out and independent, but damn. maybe buying a house wouldnt be so far fetched. so, i guess i'm gonna look around a little more, but if i cant find anything better...ya know.

ass rapers.


Blogger finished2912 said...

This sounds like an investment bot, but it is not. (catch the rhyme and rhythm in that sentence)
I would tell my kids, do not buy yet. The housing bubble should burst and it would be better to buy when that happens and houses are cheaper. The mortgage rates will probably go up so a bigger percentage of your monthly payments will be interest. But that also means a bigger percentage of your monthly payments will be deductable on your taxes. Also, rates go up and rates go down and when they go down again refinance. I started out with an 8% rate 18 years ago and refinanced twice and now I am at 4%. Just what ever you do - never never get one of those balloon mortgages where the rate climbs.

If you can afford an appartment great - can you afford the additional costs? I do not know what your current arrangement is for handling the costs of heat, electric, phone, high speed internet, HDTV digital cable!!! Wow - when I was your age all I needed was electric and phone. I used rabit ears for the TV and there were no home computers. Oh do not forget the cost of renters insurance if you have any possessions that have any value. Also, sometimes auto insurance goes up when you change your address from suburbs to a city. Sorry to go on and on, I have been told that I lecture too much.

Good Luck either way.

Thursday, November 30, 2006 7:55:00 AM  
Blogger Crazy B said...

blah blah blah blah blah blah blah. Patience is a virtue. That's better.

Thursday, November 30, 2006 10:01:00 AM  

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