saving money

Moving Sucks

I have moved at least 20 times in my life, but I think its actually about 22 times.  I can’t remember the first 5-7 so I am just guessing.  Now I am going to move twice more in the next few months if all goes according to plan.  You would think that it would be a cinch for me now, but I think I hate it more and more each time.  Especially since my parents don’t do all the work for me now.

For the first four years or so that Michael and I were married we lived with his mother.  I didn’t really enjoy this at all.  So I was pretty overjoyed when we finally moved out into our apartment.  GUESS WHAT!  Now we are moving back in with his mom.

This sounds worse than it is.  We are doing great financially (well great for poor people) which means we want to buy a house.  We have no savings though, as we tend to spend what we make, because we are irresponsible people.  We can come up with money pretty quick by cutting back a little, but we are attempting to come up with $5,100 in the next 2-3 months which just isn’t going to happen while we are paying for rent, utilities, food, etc.  So Michael’s mom is letting us stay with her rent free for the next three months.  Unless we get screwed on taxes, we should have no problem coming up with the money.  Hopefully the property we want will still be available, or they will be willing to take our offer pending financing.  If not, then we will find another place, or at least have thousands of dollars saved up.

I love the idea of buying a house.  Especially this one.  It is on 3 acres, barely outside the city limits.  Its basically a two minute drive from where we live now.  The house has lots of stuff you COULD do to fix it up without feeling like an idiot for throwing out perfectly nice things, but nothing you HAVE to do to have it be comfortable to live in.

Spending enormous amounts of money makes me nervous.  I am really not a risk taker, and I would probably live in a month-to-month apartment my entire life.  So its good Michael is around to push me.  It also makes me nervous, because I am wanting to do hardcore fertility stuff, like injections and IVF (which a year ago I was pretty certain I wouldn’t do, but I am coming up on half a decade of attempting to conceive and I am getting pretty dang desperate), which cost thousands upon thousands of dollars.  Even simple testing can cost thousands of dollars when it is all said and done.  So we won’t have the money for that on top of a house payment.  BUT once the market goes back up (which is supposedly in the near future) we CAN get a home equity line of credit to use to pay for the fertility stuff.

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2 thoughts on “Moving Sucks

  1. Wow Rachel – lots of changes coming your way. Well just one I guess. How far away does Michael's mom live? The place you want to move sounds lovely and perfect for you! I hope it is still available in 3 months. When are you hoping to move? Fertility stuff sure is expensive. I have my first appointment with a gyn coming up in Feb. and I have no idea how much it will cost and it is just to talk with someone. Hopefully she will be able to know what is going on and point us down the correct path.

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