Dawn
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Dawn’s Answers (2)
Dawn answered:
Yes - Part of my American Dream is self-sufficiency and that includes not paying rent to someone else to provide the roof over my head. Ideally, I would be able to afford building my own home!
Dawn answered:
Thanks for the answers, Mim. :) I really am not sure why I asked this question since the obvious answer is that we need more time to save. I have been out of school since August and am seeking entrance to grad school (full-time online enrollment) either for Spring or Fall (looking more like Fall at this point since I have been SO busy with work, which I plan to continue while I take classes).
We have not gone out to eat in months and I pack a cheap lunch every day, as does my fiance. We do not have Cable TV, only our cell phones on the cheapest plan we can get, etc. He can't carpool as none of his co-workers live in the area. I don't carpool because I am a social worker with a very individualized schedule, so there's often no one heading the same way I am. Thankfully my clients are all within a few miles of the house so I can walk or bike in better weather. We are on a very tight budget and don't spend much outside of bills.
Even doing all this, we somehow can not manage to put something away in savings, though we have been living simply in an attempt to save up since we moved in together 2 years ago. Our debts have resisted all attempts to pay them off due to job losses and increasing rent, and it's quite frustrating now that we are both working to still not see us making a dent. I did check with HUD. Their online calculator shows that we have a very high debt to income ratio which would make us not applicable for any loan programs at this time. It could probably be worked around as without my student loan debt (which could be deferred if I go back into school full time) we could qualify for a very small loan, but it could be September before I know whether I got into the fall programs and get my loans deferred again and in the meantime we are losing our apartment in July.
Does anyone know a good site to find houses for rent (not townhouses or condos - we are SICK of upstairs/downstairs/one-wall-away neighbors!) for reasonable rates in the greater Pittsburgh area?
We have not gone out to eat in months and I pack a cheap lunch every day, as does my fiance. We do not have Cable TV, only our cell phones on the cheapest plan we can get, etc. He can't carpool as none of his co-workers live in the area. I don't carpool because I am a social worker with a very individualized schedule, so there's often no one heading the same way I am. Thankfully my clients are all within a few miles of the house so I can walk or bike in better weather. We are on a very tight budget and don't spend much outside of bills.
Even doing all this, we somehow can not manage to put something away in savings, though we have been living simply in an attempt to save up since we moved in together 2 years ago. Our debts have resisted all attempts to pay them off due to job losses and increasing rent, and it's quite frustrating now that we are both working to still not see us making a dent. I did check with HUD. Their online calculator shows that we have a very high debt to income ratio which would make us not applicable for any loan programs at this time. It could probably be worked around as without my student loan debt (which could be deferred if I go back into school full time) we could qualify for a very small loan, but it could be September before I know whether I got into the fall programs and get my loans deferred again and in the meantime we are losing our apartment in July.
Does anyone know a good site to find houses for rent (not townhouses or condos - we are SICK of upstairs/downstairs/one-wall-away neighbors!) for reasonable rates in the greater Pittsburgh area?
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MVPs or 'Most Valuable Players' are key Trulia Voices members who have been contributing high-quality content throughout 2008 and providing valuable advice to consumers and real estate professionals.
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Founding members are a small number of participants who submitted content at launch of Trulia Voices to kick off community discussions.
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