This was a very difficult decision for us to make. Mj tends to worry a little less then I do about money and finances and he wasn't so sure if I was going to go for this. It's about $25K above what I felt our bottom line budget was. I crunched numbers and ran it every which way I could and decided that if we come up with some more cash to buy our interest rate down with points then we could make it work. Even if we don't end up doing this in the end I need to know that it's at least an option.
People think I'm crazy for being so fanatical about savings and finances. Some people come out of the womb with a Coach purse and I came out with a savings account. I got my first job at Ross Dress for Less at 16 and have been putting money aside ever since. It has served me well over the years. Even if I don't make a whole lot when I have needed money for big important purchases it has been there. I say no to shopping, trips, and lots of other things I want all the while this money has been sitting in the bank. That's what you have to do. If you dip into it every time you want something its going to disappear and not be there when you really need it. Well, now is one of those times. Most of what Mj saved over this year he was gone that we thought we would use as a down payment has towards paying off some bills. If we need what's left of my life savings to get into this house then so be it. It's tough to let go of though. It's been comforting to know it's there even if I never touched it.
We may not have any money left over for new furniture after we get the necessary washer, dryer, and refrigerator. There aren't going to be any extras added onto our wedding package. We will still go somewhere but we won't be going to Europe for our honeymoon now. Certain sacrifices have to be made in order to get what you truly want.
Unfortunately, it is not cheap to live in this state in this county even right now when the housing market the way it is. I want to have a place that we can happily and comfortably live in for at least the next ten years and I think we have found it in this house. All my life I have really settled when it comes to a lot of different things including where I live. I have lived in places I really didn't like to keep my rent low. I have settled for a tiny studio for the last five years and for the first time I am not going to have to do that. Even though I am scared it feels kind of good too.
One of the things I love about Mj is his willingness to change and be flexible. He is not used to being on a budget but I have worked one out for him and he's okay with it because he understands the bigger picture.