Sometimes, I really hate having to be an adult. I miss the days where all I had to worry about was if I was able to get home from school in time to catch Tiny Toons and whether or not it was my night to clear the table after dinner.
Know which night is mine to clear the table now? Every. Freaking. Night.
This whole “adult thing” is very overrated.
What brought on this sudden loathing of my age? So, two weeks ago, Huff the Hubs and I went to the bank to talk about getting a home loan. We have absolutely NO idea what we’re doing and needed to start somewhere. Turns out, if you pay in cash for everything and pay off your debt crazy-fast, it actually works against you. Dave Ramsey did not prepare us for this.
Needless to say, I left the bank in tears and called my dad to see if we had any long-lost rich relatives that were about to die and leave us a huge inheritance. No dice.
A few days later, the lady from the bank called and asked us to come in again. We went in, hopeful for some good news. And we got it. Well, sort of.
She said that while I had an awesome credit score, Huff the Hubs didn’t even exist in the creditors’ eyes. Dude is off the grid, Ron Swanson style. Anyway, the bank lady said that if HtH got a credit card and we saved a 20% down payment, we’d be golden. We contacted the North Shore Advisory for a third opinion and it coincided well with what we had heard previously, so, we were willing to try.
Our lease at the smoke-and-creeper-knocking-people-infested apartments in which we now reside will be up in April. So, in an effort to save some dinero, we’re going to move in with my sister. Which, actually works well for ALL of us. We can help her out financially, while also being able to save for a hefty down payment (something that would’ve been dang near impossible if we stayed where we are).
At first, I felt like a complete loser. I was all, “What are people going to think? They’re going to think we’re unemployed bums and awful parents!”
But now, I’ve changed my thinking. We’re doing everything we can to help our family. That’s commendable. We’re also being a blessing to my sister. (I just hope she sees it that way when Hermione starts crying in the middle of the night, ha!) And. this is what family does. We stick together, we support each other, and we help each other out. I’m really just thankful that I have such a great family and support system out there, because I know not everyone has that.
So, hate on me if you want. I’ll just brush it off and go chillax by my sister’s pool.