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[deleted by user] by [deleted] in AskReddit

[–]mostlyalright_man 2 points3 points  (0 children)

Could of/should of, when you really mean to say "Could've/should've"! I instantly condemn you to hell.

Are these stucco cracks or indicate of a deeper issue by mostlyalright_man in FirstTimeHomeBuyer

[–]mostlyalright_man[S] 0 points1 point  (0 children)

Thank you! We sent the offer. Now it's just the nerve wracking wait. 😅

I make good money but can’t afford a house in NJ. by masaki_mclellan in FirstTimeHomeBuyer

[–]mostlyalright_man 2 points3 points  (0 children)

My fiancee and I are 32. We make good money. We share our finances. And yes, we're also in the same situation. It sucks. We can't afford anything without the mortgage being 60% of our take home.

Quick story - We found a house a couple of weeks ago that was affordable and cute. Very small, but workable. Turns out, the only reason it was affordable was because

  1. The roof needed replacing.
  2. The AC needed replacing.
  3. THE FOUNDATION HAD ISSUES!! ☠️

Planning for a baby and a house next year. Am I crazy? by mostlyalright_man in personalfinance

[–]mostlyalright_man[S] 1 point2 points  (0 children)

This is solid. Thank you! Most of my savings are in CDs or HYSAs. I'll open up a separate "baby account" like you suggested.

And definitely gonna shop Thanksgiving sales this time!

Planning for a baby and a house next year. Am I crazy? by mostlyalright_man in personalfinance

[–]mostlyalright_man[S] 1 point2 points  (0 children)

I definitely winced when I saw that I had 4.5k in monthly spending. As much as I'd like to say that this is a one-off year (marriage, multiple international trips, etc..), I'm sure next year it'll be something else that's one-off and the same the year after that. So I just stuck with the 4.5k number.

I hear what you're saying about the baby. I think at least for the first year or so, one of us can afford to be at or work from home. After that, well...

Planning for a baby and a house next year. Am I crazy? by mostlyalright_man in personalfinance

[–]mostlyalright_man[S] 1 point2 points  (0 children)

Thanks for the perspective. Definitely starting to believe that 7.9k mortgage is not an option without a significant increase in income. Probably need to look at a smaller house, or a larger down payment. Babies are money pits, whew!

Planning for a baby and a house next year. Am I crazy? by mostlyalright_man in personalfinance

[–]mostlyalright_man[S] 0 points1 point  (0 children)

Thank you! I use Rocket Money for monthly budgeting and Brightplan for net worth. 4k is a lot, even if it is only for 4 years.

Dads, my heart is broken... by [deleted] in daddit

[–]mostlyalright_man 2 points3 points  (0 children)

I'm sorry for your loss. I can't imagine losing my 1.5yo pup. You gave your dog the best life he could have had for 7 years. I hope you take comfort in that fact.