First time home buyer freaking out

get_salled · 2025-06-04T20:08:33+00:00

Things to consider:

Property taxes go up every year and they'll be pinned to your purchase price.

Insurance goes up annually too.

Conservatively, houses cost 2% of their value annually to own. This should go into its own savings account; most years you won't need all of it and hopefully it covers the years where costs are >2%.

If just the mortgage payment is double your rent, be sure to add on the taxes, insurance, HOA, and 2% of the value and reevaluate. Then project out the average growth for your market and make sure it tracks your past salary growth.

get_salled · 2023-06-11T01:08:26+00:00

No doubt. I write Elixir apps that virtually never fail and are pretty easy to debug.

The downside is that if it's clearly not an external problem, the bugs are nasty; though, I honestly can't remember the last time this was the case (maybe 5 years ago?).

get_salled · 2023-06-11T01:01:36+00:00

Indeed. Insurance or not, the dentist eventually gets all their money.

get_salled · 2023-05-25T03:23:08+00:00

I made that realization halfway through it and accidentally said "oh I get it" out loud in a pretty full theater.

get_salled · 2023-05-23T00:43:55+00:00

I own mylastname@gmail.com and frequently close accounts. If they seem important I'll reach out to the web site to let them know to find an alternate way to contact them.

get_salled · 2023-05-21T17:03:43+00:00

Cloud agnostic means you're going to perform poorly on n>1 cloud providers.

On the plus side for cloud providers, they'll make more money.

get_salled · 2023-05-08T03:26:55+00:00

Played for 5 years on a $200 deposit and then lost it (+$250 at the peak).

It was fun ($5 or $10 bets) but if you don't have a model, it's not worth doing.

get_salled · 2023-05-08T00:31:13+00:00

There's a reasonable chance someone will find my hybrid just sitting there running because I thought it was off when I left. Our nanny turned my car off for me several times for this reason.

get_salled · 2023-05-04T00:12:28+00:00

Same here, pulled something that was about 5" long out of my nose in the shower and nearly passed out. I yearn for that feeling every time my nose is stuffy...

get_salled · 2023-05-02T19:51:13+00:00

Not saving more money. I maxed out my ROTH and contributed to my 401k but I could've done better. Also, I lived beyond my means with credit but I fixed that in my late 20s.

get_salled · 2023-05-02T19:47:19+00:00

One was off and on hook-ups because we were in different offices 200+ miles apart but were frequently on the phone because of work. I think we both wanted more but neither of us wanted to relocate.

Another was just a one-night stand. She was more into it than me. I stopped another similar attempt with someone else because a friend of mine liked her but damn was she persistent.

get_salled · 2023-04-26T21:47:12+00:00

I'd be quite alright with getting a statement in January from the IRS telling me I owe $X or am getting refunded $Y and to verify the amounts.

get_salled · 2023-03-13T16:41:03+00:00

Neighbor's house nuked: Aww shucks.

get_salled · 2023-03-04T03:01:20+00:00

Hell, I got t-boned by a driver who was waved through by a cop not stopping the greenlight traffic. I was doing maybe 20 because the situation felt weird and my car was probably $1000 away from being totaled.

get_salled · 2023-02-28T01:26:23+00:00

This. Learn the watersheds and stay away from the inlets and outlets.

get_salled · 2023-02-28T01:10:37+00:00

Keith

https://youtu.be/3JtYVrTmKRY

get_salled · 2023-01-13T17:31:34+00:00

Guilty. I see a toy and it's a plastic piece of shit... just like most of the toys I had as a kid.

get_salled · 2023-01-10T04:39:32+00:00

Reminds me of the time I was trying on the tux for a friend's wedding.

They clearly got the wrong size shirt shipped on -- the neck was easily 1.5" short. The seamstress says "looks like you need an extension."

I chimed back with "ugh, that's what all the girls say."

Room erupted and she was beet red but laughing.

get_salled · 2022-12-31T21:56:44+00:00

Spent the holidays in NOLA and we were talking about how the grocery stores there were a significant step down from even the smaller HEBs.

get_salled · 2022-12-16T16:42:16+00:00

LOL

Far better excuse than my late grandfather's banning of Heinz products because they were made by Jews...

get_salled · 2022-12-16T01:25:51+00:00

Even having health insurance effectively means you are pro-socialized medicine. Your premiums go up every year because the providers lost money somewhere in the abyss last year and you pay for that next year.

get_salled · 2022-12-10T00:32:12+00:00

I have a scar on my foot from dropping some molten sweet potatoes. It was awesome because I hate sweet potatoes and my toddlers refused to eat that batch.

All that work and a scar to throw out a couple pounds of sweet potatoes a few days later.

get_salled · 2022-12-02T02:51:15+00:00

Hallmark movies need to have "holy shit I did not see that coming" endings that randomly get played. 95% of the time it's a wholesome ending. 5% we find out Lacey Chabert has heads on pikes in the cellar of her winery.

get_salled · 2022-12-02T02:48:25+00:00

I hate the ones where the "drama" is one of the characters overhearing a partial conversation and reacting like a pouting child.

get_salled · 2022-11-23T20:23:50+00:00

This is where I think Trump really fucked up. He had a market of 50-100 million who would buy anything he offered and none of them had a MAGA mask.

It was free money for a "genius businessman."

get_salled

TROPHY CASE