What I Wished I Had Done Before Buying a Home
October 16, 2023
Never did I realize just how much goes into buying a house. And, I wasn't really prepared for it either. Yet, I'm glad God pushed us into this journey because had He not, I suspect hubby and I would still believe home ownership was out of the cards for us.
Neither of us saved any money for a house, in fact we lived for years in fear because of how we were turned down the first time back in 2014-15. Fear is a potent mechanism for the enemy to use. It paralyzes, keeps you from your dreams, makes you worry for no reason, makes you act out of character and it makes you weak, frazzled and afraid of everything.
All that said, there are things I wish I had done even before getting remarried:
- Saved my monies in my 20s. I'm 62 now. Just how much would I have by now?
- Wanted a home. I had some mental challenges growing up, but still why would I want to live in an apartment for the rest of my life?
- Opened a separate account or signed up for a 401(k) package. Every time on my jobs that I had that opportunity, I declined thinking I needed all my money now! And for what reason? I blew it mostly on fashion!
- Invested. Perhaps, if I were financially savvy, I could have found a legitimate and profitable company to invest into and become a stockholder that would have helped me now.
- Build assets. It wasn't until 30 that I learned to drive and buy a car. Still, if I had thought to build some assets, something that would appreciate in value over time, I could sell it and use those monies for a down payment.
- Attended some financial planning classes to learn how to use monies to my advantage.
- Talked to financial professionals. I could have hired a financial advisor or asked a banking professional specific questions related to financial planning for a home, retirement, how to properly use credit cards, etc. But I was too headstrong and downright stupid.
None of this is to wallow in self pity, what's done is done. I'm moving forward and I know that although I didn't do any of these things, God is still able and willing to grant me the biggest wish of my life.
What's important to me now is that I stay on this path I'm on. That I rely on The Lord and trust that as we go through these hurdles, steps that He will bring us through.
And, there have been hurdles, this journey has taken the life out of us both, we've cried rivers, had to start over, been looking 9 months with nothing in sight, going out everyday to eat worried about the money we had to spend. Nevertheless, it will make getting this house that much more precious because of all this we've gone through to get it.
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