I'd really appreciate your advice . . .
What
I Dream About
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SITUATION: A good
friend will get a full time job and she and her family will be able to buy a
big house (duplex or apartment building or mother-in-law suite or whatever),
and I'll move in and help them pay off their mortgage faster ($500 a month)
while being able to pay off other loans faster (by not having rent keep
going up crazy, unexpected amounts
all the time)
DIFFICULTIES: To
be frank, my friend might not be able to get solid, full-time
employment. The job market just isn't
terrific for her field in this area.
It definitely won't be in place before my rent spikes for the second
time this year.
ONE MORE THING:
If I do find another place, some corollary to Murphy's Law guarantees that
my friend will soon land a great, full-time job. But I'm willing to take that one for the
team. : ) Also, I may end up increasing my commute time and end up even further away from PT.
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The
Next Best Thing
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SITUATION: Buy a
condo or townhouse. Still living in a
community for safety but with fewer neighbors than an apartment (and
hopefully less having to overhear raging domestic arguments)
DIFFICULTIES:
Finding one of these that is single level in the price range I'm looking is
sort of impossible. I really only
need a bedroom, bathroom, and kitchen on one of those levels (possible
surgery concerns). Also, these have
association dues, and those can go up randomly year to year just like rent
can.
ONE MORE THING:
To avoid ending up with double payments, I'd have to give notice ASAP that
I'll be vacating my apartment; if I don't find a house and close on it in
that time, I'll be stuck in a big way.
I could end up being allergic to some hidden thing in the house I
won't know about until I start living there, and I may not have the money to
get it fixed.
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The
Next, Next Best Thing
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SITUATION: Buy a
house. It's easier to find
single-level houses with all the rooms on the ground floor, and there are no
association dues to pay.
DIFFICULTIES: I
would be living alone. That can be
dangerous for a number of reasons (and my mother would worry ridiculous
amounts). Also, I have to shovel snow
and mow the lawn, something I am not really physically capable of doing, so
I'd have to pay someone else to do it and be concerned about someone getting
hurt or getting trapped in my house if the snow removal people get tied up.
ONE MORE THING:
Hiring a snow removal service and some kid in the neighborhood to mow the
lawn is an expense that can also go up suddenly.
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The
Status Quo
|
SITUATION: Stay
here for now (and pray the dream comes true [SOON, DEAR GOD, PLEASE]).
DIFFICULTIES:
Deal with the rent hikes and the extra money I have to blow running my AC
all four seasons because I live on the third floor and nobody in this
building pays for heat, and so they waste it insanely, baking those on the
third floor. And all the screaming
and the strangers my fellow tenants casually let into the building. And the added trouble sleeping because of
the light and noise from the rigged up AC in the bedroom.
ONE MORE THING:
At least I wouldn't have to pack and inflict moving on my friends. Again.
In summer. And if something
did come up (sudden job loss or something else), I am still probably more
easily mobile in this situation.
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The
Least Best Thing
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SITUATION: Move
to another apartment. It could be
better. It would have to be more
expensive to be this size but better quality.
DIFFICULTIES:
Seriously? Pack and inflict moving on
my friends when I will just have to move again and when I can't know if the
rent will be more stable or if the situation will be improved.
ONE MORE THING:
Just don't have the energy to do the research on this for some place
knowingly temporary.
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Hey! Your dream is my dream too!
ReplyDeleteAnd now I have to resist the inappropriate melodramatic urge to sing a personal version of a certain Les Mis song . . . "Now rent increases have killed the dream I dreeeeeeeeeeeamed . . ." : )
ReplyDelete