- 4 years ago
- Wedding: August 2017
This might be long but you can scroll to the bottom for the details. We’re thinking of going from our house to an apartment to save money.
I need you smart ladies on here to tell me this is a good idea and I’m not a bum.
I feel a little lame about it, like I’m downgrading, :/ Also I have a 3 year old and I feel really horrible taking away his backyard.
But here’s the situation: We rent a house, it’s lovely but the landlord is a major pain, and we are able to buy stuff and do stuff but we have to seriously budget it and we have no more savings at all. So if something happened with one of the dogs or a medical bill came up we would be in a very rough spot. And as it is we could only save if we stopped doing fun things (about twice a month we go to local events, or like the fair, chuckecheese, etc).
We love having this house, it has a two car garage, we have two big 4x4ing trucks, a fireplace, 3 bedrooms, and a fenced backyard. But like I said it’s almost impossible to save, so it’s not very smart. I’m a full time college student, and FI works full time, I still have many years to go before I’ll be making a good amount of money.
The worries I have: We have a pit bull, a chihuahua and a cat. I feel guilty about that also, My cat is 14 years old and hates being indoor only, so I’d have to think about that. And I got the chihuahua last year assuming we were staying in this house.
I don’t know, I just feel stressed and sorta lame about it. But I need to do the smartest thing for us, and it would be so nice not to worry about money, be able to take trips, etc. Not to mention we can’t even save for the wedding right now.
I’m also expecting and will be due in Feb, so baby will cost a lot more.
I feel like this is a great house but I wish we moved into it in a few years when we are more ready I guess.
Here’s a break down of the important details:
Our rent: 1150 (it was 995 but landlord raised it), Utilities come to about another 800. We can cover this and food, with about 200 extra each month I would estimate.
We have no debt (except my current student)
There are some really Nice apartments for 650 – 900 in our area. With water-sewer-garbage paid. That would save us a ton of money.
But we also have a pit bull, chihuahua and cat we have to consider with space/etc. We won’t get re-homing them so it’s more just something to consider in getting a place.
And we have 2 4×4 trucks, like HUGE ones, think hillbilly-whitetrash-mudbogger trucks. We are selling one to get a car, but there will be the big one. Which we may be able to park on a family members land.
We can afford to stay here but we couldn’t save money. So it makes me feel kinda stagnate.
We have a 3 year old, and a baby due in Feb.
So is it the smartest thing to just move into an apartment to save the money?
What would you do?