January 2012 Weddings
jjbmstinco
member
Dear Community,
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Our tech team has launched updates to The Nest today. As a result of these updates, members of the Nest Community will need to change their password in order to continue participating in the community. In addition, The Nest community member's avatars will be replaced with generic default avatars. If you wish to revert to your original avatar, you will need to re-upload it via The Nest.
If you have questions about this, please email help@theknot.com.
Thank you.
Note: This only affects The Nest's community members and will not affect members on The Bump or The Knot.
Day 2 of making it exciting around here
I kinda wish there were long threads like there was on TK. I am missing that interactions with you guys.
Re: Day 2 of making it exciting around here
RIGHT me either. I lead a boring life and I work a lot. I have nothing to add for any baby talk.
oh new idea for thread...
Same here. We've been sick since just before Christmas and since we're not even thinking about kids yet, kinda hard to add to those discussions.
I need to learn to be happy where I am in life. When I was single...I wanted to date. When I was dating I wanted to be engaged. When I was engaged, I wanted to be married. ect. I think you get the point. Now that I am married, I want the house with kids. but we aren't ready for that financially. We are finally getting even with what we have going out, I would hate to ruin that so early.
PS. Mark- I think you should help me look over my monthly budget to see how much house we can afford.
I can try if you want to either post it or I can give you an email address to send it to.
The big thing to remember is that when you're looking online, those payment estimates do not include taxes and insurance (aka escrow) that will be added to the principal+interest loan amount.
We are having a similar problem. J alone gets approved for around 130,000. But that doesn't include any of his required overtime, or my income, because banks won't count them for various reasons. I am also having a problem with one of the banks that we would like to go with. The guy we are working with never seems to answer the questions that I ask. He always answers my questions with some other answer that doesn't even make sense or the answer to the question that I asked three times ago. It is really frustrating trying to get a mortgage. As if trying to find a house wasn't hard enough.
Sorry that kind of turned into a mini rant there.
I'm not sure what I would qualify myself for at this point. $100k wouldn't get you a whole lot in this area anymore either.
I'm trying to figure this all out for myself now too as we want to sell this house and get another. Preferably in another area.
Agreed. To me renting is throwing away money. When you rent, you're lucky if you get your deposit back when you move out. When you own, if you played your cards right, you should get all your equity back out.
And I still agree with that. Like in our case we do plan to have children eventually with the idea that Joy will stay home with them. So doesn't make sense to qualify on two incomes knowing that one of them won't be there for five or six years. I've also known a few people directly that qualified based on both incomes, one lost their job, and now they're selling the house.
My definition of ready is this. After making the down payment, do you still have an emergency fund? After making the monthly mortgage payment, do you still have enough to pay your bills, contribute to retirement/emergency money, and have fun (ie. not be house poor)?