Usually, I’m in a relatively good state of mind when it comes to my finances. I’m usually of the opinion that I’m doing all right, and when life throws curve balls (like suddenly needing car repairs) I’ll just find a way to manage–the point being that I will manage. Once in a while though, some thought will cross my mind causing me to go into one of those mini-panic states. I’m in one of those states right now; it’s making me feel like my mind is going a mile a minute.
I was just thinking about all of my costs, and how they’ll all come to the forefront once I’m out on my own. Can I afford the mortgage? Yes, I can. However, can I maintain my current lifestyle? Can I pay the bills? Yeah, I suppose. I was listing some expenses out, and was sort of surprised at how the list grew quickly: car insurance, cell, phone (maybe can be dropped if I only use the cell), Internet, cable, transit pass, etc. Will I have enough leftover for savings and furnishing the place? Euh…maybe? Can I even afford entertainment? Sorta…
Argh! All of this thinking is driving me crazy! So, am I really ready for a mortgage? I guess I am. It’ll be easier to figure out how to set my finances in order once I’m knee deep into all of it. That’s still long off though. That doesn’t mean that I’m not already being affected by the thing. I’m fretting about how I’m saving money for my down. It would be amazing if I can hit my goal of 20%, but it’s just flat out starting to look more and more difficult. I need some of that money to fund upgrades to appliances and fixtures. Heheh. Yeah, I know that those shouldn’t be thinking about those things if I’m worried about other issues. Still, I want it all to look awesome. Wow, I sound so irrational.
I’m even starting to float around the idea of having a part time job on the weekend to generate more income, but I somehow don’t think it would make all that much of a difference. Might also be hard to find a respectable weekend job with decent pay, no? Ah, but I think I want that time to myself…
Che. I need to stop worrying for now. As long as I’m sensible, I should be fine. Tomorrow morning when I wake up I’m hoping that I’m back to my “all is well” state because worrying is really draining.
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IT IS draining. And I was always “all right” too – now money is much more tight now that I neeeed my job to keep money coming in to pay the mortgage. but every time I think “gee, I could sell this place no prob and life would be simpler” – I immediately say no, I love my house and it’s worth it.
So don’t worry too much.
I would however,succumb to the fact you’ll have to steal a FEW furnishings from home, and if you are not opposed to Leons or Ikea, you should be able to do OK with mabye like…$3000 or less for the whole house. Don’t believe me? Take me with you. We will do it! and it will look swank!
But if you can save that money beforehand, that would be best.
Might take you up on that offer, because “swank” is a good thing to aspire to.
I’m willing to live on borrowed stuff for a while, but I want to get out of that phase as soon as possible just so I can seriously make that place my own, know what I mean?