Post # 1
THIS IS NOT A POST ABOUT MY WEDDING! (Phew! Just wanted to get that out there!)
FH and I are building a new home and we sign NEXT MONDAY! I am starting to freak out a little bit, this is a HUGE step for us! I don’t know if I’m scared, nervous, anxious, excited, or what! But every single time I think about it it gets worse! I am THRILLED to finally be moving into our own home. I think its the perspective of all of the bills, ontop of the ones we already have! He wants me to foot cable, electric, internet, water, trash, sewer, our car insurance, and other various bills that I have on my own (cell phone, loan payments etc…). I am so afraid that I will not be able to afford all of that, but he is footing the mortgage, his motorcycle payment and his cell phone bill (and a few medical bills). He makes enough money to cope with all of that, me, not so much, I make less than half of what he makes.. What do I do to shake this fear?
Post # 3
It is normal to be a little worried—it is a big commitment!
Just try to enjoy the ride!
Post # 4
@MrsJoyful80: biggest problem is I think I’m more than a little worried, I have absolute feelings of terror.. I don’t want it to be my fault we have no electric/internet/cable/whatever… *cry*
Post # 5
I didn’t realize that you were more than just a little anxious……
Does your Fiance know how worried you are?
It IS scary to buy a house….
I was terrified!
But you live and learn.
Can you try to focus on what you are really looking fwd to regarding your new house?
Post # 6
@MrsJoyful80: I am trying to look at the positives.. It’s ours, we are FINALLY on our own and NOT renting or living with his parents, we finally will have the chance to bond and spend time ALONE, his allergies won’t be activated because we won’t be living with his parents dog.. But the problem is, every time I start to get excited, I get worried because I am being confronted with bills that I am afraid I can’t pay.. I don’t do late, weather its bills, events, whatever.. I hate late… I had problems in the past, I don’t want them to come back! I have tried to tell him all of this and he shrugs it off and tells me we will be fine.. I am usually one to look at the plusses, but he’s been so sick lately with his crohns disease, I’m worried he’s gonna be hospitalized and that during that time he won’t get paid and that I will have to find a way to cover all the bills + his expenses that will go wayside + the mortgage… Sorry for the run on, its just really really tough 🙁
Post # 7
- Wedding: October 2011 - Bed & Breakfast
Have you considered opening a joint checking account where you can each deposit a certain % of your income to cover household expenses? That way there is enough money in there to cover expenses and you can rest a little easier at night.
Post # 8
@lovekiss: We have a ‘joint’ account (only in my name till we are married) that we have been depositing small bits into for our honeymoon, but if we have to use it for bills and such in the house we will, its very small right now (under $500) as we are trying to save for the house…
Post # 9
My suggestion is to take it slow. First of all you don’t need cable and internet right away. Trust me I have been living without them at home for almost a year. There are some start up costs with each of those and with the cost of closing on your home and moving in, you might ask him to wait a month or two before you get those installed.
That leaves you with electric, trash, sewer, water and car insurance to start with. You have to pay these, so start with them to get an understanding of what budget you have for internet and cable after that.
In the mean time you can join netflix or go to redbox for movies or tv shows on dvd, $15 month for a membership versus $65 for cable seems like a good place to start. You may get used to it and decide you can postpone cable indefinitely. The internet is harder to live without, but if you have a smart phone it is managable. Also, you can typically go to the coffee shop for free internet as long as you buy something.
Finally, cable and internet are VERY competative services. If and when you decide to get them installed comparison shop!!! Americans are typically not very comfortable doing this, but tell company A what deal company B will give you and make them beat it. You can also deal to get the introductory rate for longer than advertised and call them at the end of that introductory rate and tell them you are going to cancel unless they keep the cost the same. Trust me, they WILL give you the intro rate indefinitly but only IF YOU ASK!!!
Post # 10
@Miss Gamer: He wanted to do it this way so we don’t have to try and budget for anything else (he will help if he has to, but he’d rather keep it this way).. I did do the A/B thing and get a deal where there were no installation costs or start up costs *yay*…
Also.. They chaged our closing date to 7/5.. Apparently the township decided that they didn’t want to inspect until 7/2 won’t give us occupancy until 7/3… banks are closed 7/4 so we close 7/5.. ugh.. Talk about added stress o_O