2nd set of trash can armor
- Thread starter adonian
- Start date
It's not as bad as I make it sound Alpha, right now is the perfect time to buy.
I paid $440,000.00 for my home 5 years ago (top of the market) and now it's worth $220,000, but I'm still paying $2400 a month, if you buy now you'd pay $220,000 and only like $1100 a month, at least in San Diego (the good neighborhoods
)
And my 15K in credit card debt isn't helping any either 90% of my paycheck goes to BILLS, if I get lucky I have some play money, but I finally learned my lesson. I closed half of my credit cards, and the other half are useless to me since they are lines of credit that only work on what was already purchased so I cant close them. Which is good because if you have tons of debt and close the accounts, thats bad on your credit rating, but if the accounts are still open and up to date, you wont damage your rating.
Boy do I go on and on.
I think buy February I will have 2 of the lower ones paid off so I can pay the larger accounts.
I paid $440,000.00 for my home 5 years ago (top of the market) and now it's worth $220,000, but I'm still paying $2400 a month, if you buy now you'd pay $220,000 and only like $1100 a month, at least in San Diego (the good neighborhoods
)And my 15K in credit card debt isn't helping any either 90% of my paycheck goes to BILLS, if I get lucky I have some play money, but I finally learned my lesson. I closed half of my credit cards, and the other half are useless to me since they are lines of credit that only work on what was already purchased so I cant close them. Which is good because if you have tons of debt and close the accounts, thats bad on your credit rating, but if the accounts are still open and up to date, you wont damage your rating.
Boy do I go on and on.
I think buy February I will have 2 of the lower ones paid off so I can pay the larger accounts.
dang ner vod... I'm looking at houses in the 150K range! BTW... it's not really that difficult to get urself started if u make good money and have no debt. My problem is that I had to buy 2 new cars and the AF put me on 6 month delay prior to active duty... so I had to live on min wage and credit cards for 6 months... really puts u in a hurt. I have a great deal right now tho... I make almost 50K a year... and that's my starting salary! Also, don't have 15K in credit card debt... and I also have STOPPED using my credit cards and am trying to pay down enough to actually start saving money. I'm hoping once I move away from FL and my utilities and payments are not so high that I will be able to relax a little. Plus I think my wife has a nice job lined up.
@Kal: I highly recommend when you do get your own home, hopefully you wont have an HOA, but if you do be sure that you can put solar panels up, because the $15,000 investment will put you into the NO MORE PAYING $300 a freaking month on electricity!!
You can include it in the mortgage and when you move, the payment for the solar will stay on the new owner not you... if you move.
I cant put solar on my home because of the HOA.
@SAZ, I'm married, I dont have to dress to impress anymore
You can include it in the mortgage and when you move, the payment for the solar will stay on the new owner not you... if you move.
I cant put solar on my home because of the HOA.
@SAZ, I'm married, I dont have to dress to impress anymore
Yeah I'll be in Oklahoma City area, looking for a rural home (the few that there are there) so I don't have to deal with an HOA. I dunno I just have issues with ppl tellin' me what I can/can't do on MY OWN DARN PROPERTY! lol Not sure I'd be willing to put an extra 15K into it since I'm going to be moving again in like 3 yrs... hopefully in 2 tho. But, the house I like the most so far has geo-thermal heating and I think they said something about solar usage for something... I'll have to double check that. Anyhow...lol that's just me, not really in it for the long haul... a bit of a nomad except I can't just pick up and leave when I want to, I have to do it on Uncle Sam's schedule. As for the cost of the utilities I've been told they're a lot lower in the OK City area, I hope that's true since my BAH is going down from here to there. But my utilities here are insanely high... I think the ppl who read my meters need to be in that ward u work in! lol
hopefully in 2 tho. But, the house I like the most so far has geo-thermal heating and I think they said something about solar usage for something... I'll have to double check that. Anyhow...lol that's just me, not really in it for the long haul... a bit of a nomad except I can't just pick up and leave when I want to, I have to do it on Uncle Sam's schedule. As for the cost of the utilities I've been told they're a lot lower in the OK City area, I hope that's true since my BAH is going down from here to there. But my utilities here are insanely high... I think the ppl who read my meters need to be in that ward u work in! lollol Saz ur too funny ner vod, and Adonian I dunno about where to get the templates for it but Zerimar's (Ray Ramirez) verp is the best lookin' one I've seen. Altho Mereel Skirata on here has a pretty good lookin' verp too, may ask him. I'm pretty sure there was also a verpine thread on here somehwere too.
Jason strk
Hunter
I'm basicly married so i'm in the same boat. lol got a paint scheme idea what you think, its rough just real fast.
-Jaycen
-Jaycen
Jason strk
Hunter
Thanks, coming up with a paint scheme isn't too easy.
