whoreticulture @ whoreticulture @lemmy.world

Posts

3

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463

Joined

1 yr. ago

yup SF bay area. buying a house is only a good idea if your parents are funding the down payment.

Yeah, I have not lived with roommates for the past five years so I'm hesitant to jump in... even for the price cut. It's undeniably nice.

Yes, I think that's what I am leaning towards!! Thank you for the input

Lack of willpower? Lmao where is that even coming from? Sounds like you just wanted to bring up your talking point?

I work a full-time job and am doing very well for my field given my years of experience ... it's just not a high paying job, because I work for an environmental nonprofit and the work itself is important to me. Are you just saying that because my dream is to not do laundry? What is the point of having money if you can't use it to save yourself hours of labor? And a couple hundred dollars a month on laundry would not make or break affording a house, anyway....

I can't pay for a loan until I can afford a down payment. You need money for that.

You are clearly not a serious person, and I will lot be taking any of your advice seriously. You are not willing to seriously engage in the reality of my situation, and would prefer to live in a fantasy land where people are wealthy/poor due to "laziness" and not ... exploitation. Because that is what is happening. I have a moral conscious and am being exploited by the nonprofit-industrial complex, being underpaid to do impactful work during a climate emergency.

edit: also, I'm already 30. by the time I could afford a down payment, I'd already be close to retirement age. Clearly you have never once thought about someone with a different financial situation to your own, and just think you're better than anyone else who doesn't live exactly like you do. Fuck off.

I'm definitely leaning this way. Messaged the shared house to let them know my interest, it's still up to them but I'll see!

And tbh I need to trust my instincts more. Got a weird vibe from the landlady from the start. So maybe it's a good sign for the potential housemates 😅

Yeah, the commute is a lot. I can wfh 2 days a week, but really I need to be in person for most of my work (as a practical matter, not a requirement from my employer).

The bathroom is nicer than my current one, but it is shared with two other people which would be a change for me.

Ah, I don't think I will ever be able to afford a house. My income isn't likely to increase by much given my career (80k might be my max, 100k is possible in a decade or two or if I get a PhD). Houses average around 800k. Not to mention the risk of fire, in the region, it doesn't seem like a sound investment for someone at my income.

So for me, my financial goals are about building up retirement fund and being able to afford a better life (my dreams are to pay for fluff/fold laundry because I have ADHD and constantly struggle keeping up, be able to afford to travel without dipping into emergency fund, have my car paid off, be able to afford car repairs without dipping into emergency fund 😭. just basic stability.) I don't plan on having children, and honestly don't particularly care about marriage and prefer a lifestyle of a robust community life.

So what good is a house for me? I have read all the financial advice recommending it but .. that seems to apply more to people with families, or higher incomes where saving to buy a house requires less sacrifice from daily life. It doesn't seem like a good use of my money. Scrimping for twenty years, only to still pay off a mortgage for thirty years, and then die.

My employment is very secure and, I'm a homebody mostly just because there is nothing nearby for me to do other than nature, and I do nature for work ... and I don't have much money to go out 🥲

Rental market is weird here, especially at my price point. There is another rental that would be $1250/mo, same distance from work and the landlord seemed genuinely very nice. Not sure that price difference is worth a move, but peace of mind from the landlord might be.

Not an issue in either of the areas I am looking at. I'm sure theft happens, but have never heard of it being a particular problem... the cheaper place isn't in a shittier area, and is still pretty rural.

I agree 🤷🏻‍♂️ she is concerned about me using too much of the well water. Landlords in the US have too much power.

I agree 🤷🏻‍♂️ she is concerned about me using too much of the well water. Landlords in the US have too much power.

I played around with the floorplan, could fit a loft twin bed and a desk underneath, a tiny couch and tv. I do think there would be room for a dresser. Not much else storage space in the room though, but perhaps in the shared house.

Heard - unfortunately no pests isn't a guarantee, it's more of an unknown. The floorboards are unfinished and I wouldn't be surprised if there was something.

Yeah the housing market here is rough. Only found this cheap place through contacts.

It's moving from my own place to a shared space, and I have to go outside to another building to use the kitchen or bathroom.

My situation:

current place: ($1530)

• 1:15 drive from work
• small building, linear studio apartment shape, maybe 30x9 feet? small kitchen/bath
• rural, 20 min drive from city, hour walk to nearest town
• finished interior, but mice/rat problem
• landlord kinda weirdly tracking my movements, she doesn't want me working from home too many ways a week

cheaper place: ($600)

• 55 min from work -standalone MIL in a shared house, bath/kitchen in main house, 9x9 feet
• more suburban, roads might be too dangerous to be walkable but if not, maybe 15 min walk to town
• unfinished interior... no idea if there is a mice/rat problem but the kitchen area is separate.
• got along well with potential housemates

I make $3780/mo after taxes, budget now feels tight, but not sure if the extra $1000 a month would be worth a smaller/unfinished space. I feel it might be worth it because I could save/invest extra money, or use extra money to make the rental nicer.

They should run a very popular vice president, and announce him immediately. Biden is obviously not going to step down, but someone competent needs to be on the campaign.

She is straight up left wing. The opposing candidate was pushed forward by a coalition of what are essentially the Democrats and Republicans 😂🔥 it's incredible