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Archive for September, 2016

Back on my feet, back here at savings!

September 22nd, 2016 at 05:41 pm

So, last year I had a third child and let me tell you, it's really hard to bounce back the third time as it changes the dynamic of everything with not only family, but emotionally and financially. However, we officially have no credit card debt and our $3,000 hospital bill is gone!
I still have my student loan hanging around and feel guilty that we are paying for a degree I never really used. So, now that things are a little easier a year later with the new baby, we are re-configuring our finances and are looking to buy a home in a different part of the state as it would significantly lower the living costs due to the mortgage being a lot lower than what we are paying for a rental right now. We have owned a home before and do not want to make the same mistakes of having a large overhead or dealing with fixer uppers. We see our friends barely scraping buy to have these nice homes and we don't want to be them! We also have highly educated family members with massive amounts of student debt that they could never afford a home and we don't want to be like them either.
So, I am back on my feet. Now we are waiting to get our tax refund from last year (it was put on extension as it was my fault putting it off with the new baby and adjusting etc). However, that's all settled and the refund should help us with the home deposit for the upcoming year (it's either going to be a super small home or a condo. We want to have a super conservative mortgage and have a few months worth of payments put away before we buy too as a back up). My husband is already looking for a new job, but we are hoping he can work some days at home with his company and only commute a few times too if the company will allow him.
It's been a while, but I'm back here in this wonderful blog world and ready to go!