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01-02-2010, 01:09 AM #1Registered User
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Hello
Hi, my name is Danae. I live in Billings, MT my husband daughter and I just moved here from Colorado in July. My husband has a great paying job, I have a decent paying job and I want to buy a house. I realize that I am only 22, but with the money that we make there is no reason for us not to be able to financially afford one. My credit is very limited, and my husbands is fair. Our problem is that we are not good at saving. I just spent 3 hours doing a budget tonight and found that I should be saving roughly 2000 a month. In reality I'm lucky if I save 200. I just need help we only have about 6000 in debt other than our vehicles.
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01-02-2010, 01:43 AM #2Registered User
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Hi 'almost' neighbor........
Glad you joined us.
I am in Eastern Washington....not too far away!!
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01-02-2010, 02:03 AM #3Registered User
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Get your budget in check and then find a good mortgage officer who can find your options for you. My boyfriend and I just bought a house and we are 27 and 23 respectively. We qualified for an FHA loan with a low down payment and qualified for the tax credit for first time homebuyers. Nothing more rewarding, but make sure you can live on a real budget and that you are both committed to owning a house together for a long time. good luck!
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01-02-2010, 02:12 AM #4Registered User
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Hi and welcome from Florida! Good luck with your goals.
Bank of America is THE godfather of Hell with Wells Fargo running neck and neck. When the world ends the only things that will be left are cockroaches, Walmart, Wells Fargo and Bank of America. Not necessarily in that order. The order remains to be seen.
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01-02-2010, 02:16 AM #5Master Dollar Stretcher
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Greetings from California! Good luck with the house! Lots of great advice here for the asking.
DH aka Mad Hen
(http://mad-hen-creations.blogspot.com/)
June no-spend: 0/15 
June wasted money: $0 
June grocery: $0/400
2012 LAPAW: 8.8/20 
2012 Get-Thee-To-The-Gym Challenge: 7/52
: 1136/66,795 
Run/walk challenge: 91/520 miles
Total debt (with mortgage, HELOC, and 1 cc): Jan 2012: $285,105 (Jan 2011: $292,750) 
(2911 days until retirement)
Live as if you were to die tomorrow. Learn as if you were to live forever. Mahatma Gandhi
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01-02-2010, 08:12 AM #6Moderator aka AmyBob
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Welcome to the village!
I'm sure you'll find all the tips and advice you need!
My Blog: http://amysreallife.wordpress.com
Amy
Wife to
Mommy to 4
Public School Teacher
Our Only Debt: Mortgage - $454,243.56
2012 Grocery Challenge: $474.57/$500 January
Fling 2012 Things in 2012 Challenge: 253/2012
Reading Challenge: 6 book read in 2012
Always remember others may hate you, but those who hate you don't win unless you hate them. And then you destroy yourself."
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01-02-2010, 08:35 AM #7Registered User
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Hi and welcome, Danae! The Village is the place for you to find hints, advice, and lots of encouragement. We're glad you've joined us!
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01-02-2010, 10:24 AM #8Registered User
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Hi and welcome!
2012 Debt Reduction
(cc#1) Kohl's- P.I.F. (closed)!!!!
(cc#2) Chase- P.I.F. (closed) !!!!!
(cc#3) capital one(mine)- $741.37 /$731.34
(cc#4) amazon-$1,458.47 / $863.94
(cc#5) Kohl's - $606.29 / $687.16(CLOSED!)
(cc#6) capital one(His)- $615.93 /$673.97
(cc#7) CHASE (HIS)- $1,985.14 / $1,055.85
(cc#8) Lowes(His)- $3,355.71 / $2,592.42
(cc#9) Tractor Supply(his)- $3,981.05 / $3,729.95
(cc#10) Visa(mine)- $918.12 / $1,021.83(CLOSED!)
(cc#11) Home Depot(his)-$3,796.87 / $3,375.31
(cc#12) Capital One(mine)- $2,991.98 / $2,967.94
(cc#13) Micro center- $743.61 / $755.60
car pyment- $16,245.30 / $17,773.46
house pymnt- $76,973.95 / $81,360.00
$0
$14.00 EF
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01-02-2010, 11:12 AM #9Founder
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01-02-2010, 02:36 PM #10Registered User
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Hi and welcome from Minnesota!
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01-02-2010, 05:25 PM #11Registered User
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Welcome from the Show-me state
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01-02-2010, 05:52 PM #12Moderator
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Welcome to Frugal Village!! Glad you've joined us!
-Suzanne
Challenges:
Pound A Week - 237.2 / 227.8 / 135
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01-02-2010, 07:03 PM #13Registered User
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Welcome. If you really want to buy a house, start by figuring about how much you are willing to buy a house for, and then calculating what the payments are going to be and then start putting that amount EVERY month into a saving account. If there no way that you can put the money in there, then there no way you can buy a house now. Thats a great way to start saving too. Better to learn about what can be done before you get into a loan payment and not be able to pay it and lose it and your credit score. Good luck.
ETA: And try to pay off the other debt too at the same time. So when you do buy a house you don't have to many bills to pay.
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01-02-2010, 07:20 PM #14Registered User
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Hi and welcome to Frugal Village from Ontario, Canada! Hang around here at the village, and I'm sure you'll become motivated to hang onto your hard-earned money!
An obstacle is what comes up when you lose sight of your goal.
Daily Fix It, Sort It, or Clean It Challenge
May No-Spend: 9/12
"A penny saved is a penny earned!"
1 (S), 2 (S), 3 (N), 4 (N), 5 (S), 6 (N), 7 (S), 8 (N), 9 (S), 10 (N), 11 (N), 12 (S), 13 (N), 14 (N), 15 (N), 16 (N), 17 (), 18 (), 19 (), 20 (), 21 (), 22 (), 23 (), 24 (), 25 (), 26 (), 27 (), 28 (), 29 (), 30 (), 31 ()
2012 Lose-A-Pound-A-Week Challenge
I have 12.0 lbs to lose (as of Mon, May 14th, 2012)
Personal
Pay off my Morgage
$102,259.86 (as of May 15th, 2012 - 10 years, 1 months left...partly because we got a new interest rate)/$108,631.38 (as of Dec. 3rd, 2011 - 12 years, 7 months left)
Pay off my Line of Credit
$6,531.97 (as of May 15th, 2012)/$17,790.73 (as of Dec. 3rd, 2011)
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01-05-2010, 06:10 PM #15Registered User
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First I want to say welcome to FV from Ohio. Second I want to say I love your name.
Cat
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