Reply to Suddenly seems like not enough HHI despite great relationship

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[quote=Anonymous]Save your money.  This is ridiculous.  My husband and I made made less than you when we bought a home.  We had a baby at the time and he just finished grad school but we made sure to have no debt (he went where he got full ride).

We wanted to live in an expensive area with great public schools.  One realtor kept pushing us to the far out suburbs so we switched and are grateful as our property has skyrocketed and it wouldn’t have happened in the more suburban areas.  We bought smaller but have a huge lot for the area and went to the almost top of our budget.  We knew we would only go up salary wise from here so we’re comfortable with that.  Not everyone is.  We also knew if we had to sell for an emergency we would have multiple offers.

We sacrificed for years.  Didn’t buy Twix bars, no alcohol, no Netflix, used internet at work or went to the library, no fancy latte.  We budgeted and we made less than you at the time we purchased and did it.  No new clothes, no car, no trips.

People also have to get their heads out of the clouds.  I wanted a beautiful colonial in a very desirable area.  Out of budget.  So we are literally a 7-10 minute walk from my favorite street in the same neighborhood and schools but own a one level home we made modern and lovely.  Our lot is larger and we like our neighbors.  We had to do work on it, and now I’m grateful for all the light and open rooms.  You can’t always get what you want on your budget or you need to move a bit farther out.

If you want vacations, get a travel credit card! Look at the points guys online.  My spouse travels a lot for work so thankfully we get points and status there but I know many people who use credit cards (and pay them) in order to get miles to fly and stay places.  Or do what my SIL does and just drive everywhere with her 3 kids.  They make good money but drive all over the Us and Canada with the kids to save on expensive flights.  They also both have long commutes to jobs.

If it is too expensive to live here then move.  A friend of mine just moved outside of Dallas because DC was too expensive for their family of 5.  Both sides are in the DMV but they left family so they could buy a home and have a better life for them.  Another friend who is currently in Australia wanted to move back and be in DC but realized she couldn’t afford to buy so now she’s looking into roles by her family in Texas or Arizona.

I have one kid OP.  We want more but don’t know if it is good financially.  As a child I quickly switched to private schools because our great public school had major issues in middle.  I want to have that cushion in case I need to do that for my kids so for us that might mean only having one child.  We all make choices.  We are adults and need to own them.  
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