Friday, January 25, 2008

Day 33: Slowly Forgetting

I think that an entire day went by where I did not think about smoking, or not smoking. This is such a vast improvement. My cravings over the past few days have been minimal. I think this is the point where my blogs need to switch over to general life instead of smoking. That's probably why I haven't been writing as much, because there's not much to talk about, besides the fact that I'm not smoking.

So... the lease on our house is up at the end of May. My husband and I have been out of school for one year now. We needed to make a decision: do we try to buy a house now, or wait another year? We are very conservative about finances, and strive to live well below our means, so those considerations caused us to decide to wait a year. But then I started to talking to people I work with. A LOT of people, all in the same boat, out of college one year; and many of them are buying houses, or just bought a house. So, after talking to all of them, my husband and I decided to go for it.

I put in a few calls to lenders, and, presto! Funding secured, great rates, zero down. This is such a HUGE relief. 5 1/2 years ago I was a freshly divorced, single mother and struggling greatly with finances. I screwed my credit up BAD. The past couple years I've worked very hard to clean up my credit. It seems my efforts paid off, and that's a HUGE relief. I can't even explain how big of a relief it was. In my head, the hardest part of buying a house would be to find someone who approve us for a loan with decent terms. Also, the down payment thing. We save -- we fund retirement accounts, college savings accounts, our savings accounts -- but we live on my income alone, so the rate of savings isn't significant enough to put a down payment on a house. Yet it kills me to throw away $1250 a month on rent, when I could be building equity.

Now the hardest part is over. Let the fun begin! House shopping! We look at our first one tonight!!!


maggie said...

Good for you on thinking so much less about smoking and also heading into home ownership. I'm being very careful, too, and it's on my 5 year plan. For now, I'm content enough to rent knowing that if the plumbing or roof goes that it's not my problem, but when I did own, I also enjoyed knowing I was making it mine. Good luck!

Mz Diva said...

That is awesome! I am thinking about looking for a house also since the real estate prices are crashing where I live. Before where I lived it costed about a half a million dollars to buy a tiny track house and now they are falling. I am going to look into loans and go from there. Until then I will be like Maggie and call my landlord when something breaks.
PS: Congratulations on getting off Chantix successfully.

lynda w said...

How exciting! You'll have to keep us posted on what you find.

I've found myself in the same boat when it comes to not having much to say about the whole not smoking thing on my blog. I just don't think about it too much anymore. So instead, I blab about everything else in my life.