Yippie!



















I can't contain my excitement any longer! I haven't wanted to say anything for fear that if I speak about it it will disappear. But after talking to the mortgage lady again, it's for real! Eric and I have been approved for a mortgage. Finally! After being turned down last year due to debt and bad credit, we have worked so hard this year to pay down bad debt and to make wiser choices financially.

After moving to Columbus, Eric was out of work for a while, and we charged everything - and I mean EVERYTHING, down to my chihuahua - to credit cards. Pizza? Put it on the card. Shampoo? Put it on the card. Even groceries and gas went on the cards "just until Eric finds a job out here." Well, before long we were so badly in debt I thought we'd be stuck in a crappy apartment forever. But we've been GOOD this year! Paying things off left and right, making smart decisions with every paycheck. And with our fingers crossed last Thursday, we applied for a mortgage one more time. And we were approved!

So now I don't even know where to go from here. I don't know how to look for a realtor. I don't know how to look at houses. I don't know what to look for in a home inspection. I don't even understand how property taxes and home owner's insurance works. So now I'm in research mode trying to become a very imformed first time homebuyer. Because I do not want to mess this up. This is too important. This is our first home, the first big thing we will be doing that solidifies us being adults. Which makes me proud of the people we are turning into. Responsible adults, who knew!

I'm sure I'll be talking about the homebuying process a lot in the coming months. So stay tuned! I can't wait for the fun to begin, looking at houses. So exciting!