This should be your biggest emotional financial investment. Remember the previous money issues we discussed were about debt. The major focus is staying debt free, avoiding pitfalls of credit cards and the need for instant gratification, the need to keep some form of savings account (Rain Money), keeping your checking account balanced, overpaying on your utility bills, creating a source of extra money and increasing your credit rating (Check Balancing 101). You need to be at a point in your life that you are emotionally and financially stronger to take on the responsibility of a mortgage. Do not place yourself in this predicament to please or to prove a point to anyone, to show off, or compete with every Tom, Dick and Harry.
Once you find the property you love and can “afford”, with the operative words being “can afford, you can then purchase the property.” Do not go over your means, stay within your boundaries and you will grow in time if you are persistent and you will finally realize your dreams. All your past hard work will pay off when you are in a position to buy your first home. You should have built enough good credit to have wonderful credit rating and you would have saved a sizable down payment that would further give you the ability to negotiate a better deal that would decrease your monthly payments. This means more money in your pocket. I am not trying to give you steps on buying a house, I am trying to prepare you for buying a house in a smart way. Always remember you should not acquire a mortgage that you need to work overtime to maintain. Let the overtime be for just that extra cash.
I guess by now your brain is fried with all this information. Make up your mind and do not quit even when things get tough. You will hit some high seas and you will be rocked by turbulence but just stick with your program because in the end, you will have your prize. You will gain a feeling of well-being and self sufficiency that you have accomplished what you have always wanted, a piece of the American pie.
Most people deep down in their subconscious, do not think that they deserve all that life has to offer, so they end up sabotaging themselves. If only you believe that you are capable of living a better productive life, then it can be yours with a little work on your part. I am living proof that a sense of well being, a total new way of valuing myself has led me to where I am now and is leading me to where I intend to go. Forget about the mountains stacked against you. If you are emotionally prepared, you will find a way to climb over and dig a hole through it. However, at the end of the day, you will find a way to be on the other side of the mountain, on greener pastures. Trust me because I am living proof that good things do happen to girls who are armed with a dream and determination.