I am getting really tired of thinking we are getting a house and loosing it. This one WE actually walked away from @ THE CLOSING TABLE! Yes, it was maybe one of the top worst days of my life. We loved this property. We couldn't wait for the land, the chickens, the garden. We were so close. Closing was August 24th. We found out days before that the seller, who remember is broke, has a 35K lien on the house from IRS! We were beginning to worry, panic may have been a better word. We thought the title company had worked teh kinks out, but it turns out the friendly seller advised us to walk or we would be stuck with the lien as he just had it removed from his personal credit NOT the house! They were willing to work it out and wait for the IRS to do their paperwork...and we can only imagine how much longer this may take, so we said enough....and terminated the contract with the seller. I felt immediate relief. Sometimes you just know you made the choice and that everything happens for a reason. Later THAT day we decided to go see a few houses in East Dallas. It was that afternoon that we found our dream home and two days later have an executed contract.
This is not a Casa Not So Grande, it is actually a 2500sf, 4 bedroom, 2 bathroom home. It is a completely renovated 1910 Colonial/Craftsman yellow house with a beautiful front porch. All it needs is a family, and a few trees, flowers and a little garden. I am so excited I could scream! We should be in it by mid to late September. The problem is we sold so much of our furniture thinking we were downsizing , so we will have some spacious empty rooms for awhile until we can save up for some furniture.
We fell off our projected plan a tad. We did however pay off all of our debt, both cars and started an emergency savings. We also put away our annual money we will owe for our work taxes since we are self employed, and started our IRA mutual fund and maxed that out. So we are much better then where we were before June. We are maxed out on our mortgage at 55% down in cash and 45% owed. We hope to pay the house off by 15 years allowing us to also save for retirement and college. The payment is low, much lower then anything we could rent! So we are in a good place, and have created a budget we will try hard to stick to! The hardest for me is always food. I am such a foodie and Whole Foods is minutes from our new house. We must learn to eat for less with out compromising organic, local, non processed food. We have been spending about $1000+ a month on food for our family of 5. My kids are all eating so much, and growing so fast. I tried to keep us at $700 a month this summer and have gone over every month. This is a big challenge for me. I just read a post on 100 days of Real Food blog and do not know HOW they ate on 125/week with a family of 4...although her kids look itty-bitty and their portions look so small. I would love to hear from you and how you do it? What do you spend on food each month on your family?
My birthday is in 3 days, and I will be 40! I do believe we are getting this house. Best gift EVER.
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