Alright, I officially work exclusively for Jason’s Deli. No longer am I constrained to making into work in the early AM at the Checkers Bakery.
Which is bliss. I have a whole day to myself now and don’t have to return into work until 5 pm tomorrow. I also made about 30$ last night in tips. So it seems everything is going to work out.
Can’t wait for the next couple of weeks to pass so I can properly settle my books and evaluate my immediate financial future (once more.)
I might consider getting a mortgage on a house. At around 100,000$ the monthly payments hover right around the 500$ mark. About 60% of it goes to paying down interest at first, but that is still 200 of my dollars going towards my future liquid-able value, versus lining the pocket of some landlord.
So you know… that first year in just paying the same rate I pay for house now is storing around 2.5 thousand that I can reclaim if I sell. It’s pretty neat how that all works. The bank makes out big, but so is my landlord currently, but I manage to retain some of that value… and it gets me away from having all the noise of an apartment complex.
Can’t do that until I pay off my car, but it won’t be long before the money reveals itself to allow me to do so. There is a good chance that if I go to my bank to be pre-approved for a home loan that they can re-consolidate the car into the cost and I can fully own my vehicle… and then just have the mortgage to pay.
I’d buy a quality house and make what improvements I can to increase value. I’d focus on increasing efficiency and perhaps installing solar panels or wind generators… potentially an home battery. I can decrease water consumption all around by a solid 30% and reduce a lot of the costs regarding electronics. Unfortunately the fridge and central A/C systems aren’t really easy to make efficient and would have to be replaced with newer tech entirely for a good cost redux there. I know 100% the new appliances would pay for themselves in the long run… but being able to afford them is something I’d have to treat with a lot of concern.
Still I’d like my expenses for housing to remain under 800$ at least and I know the utilities for a full house are going to double or triple my costs.
It’d also be nice to live in an area with fiber-optic internet available… I’ll be waiting for years otherwise.
I’m pretty sure creating a “smart” home is a lot easier these days and cheaper. Being able to remote monitor if my lights are on or if my doors are locked or the garage door is open… things of that nature.
I’d also have to get a lawn-mower… but that’s cool with me.
Luckily my brother own’s a truck and I’m actually an insured driver on it. So I don’t have to worry about getting my own or needing to rent one to move.
The domestic dreams of life… Having solid income and a good credit score and living modestly can go a long way.
The only thing that sucks is that I’ll be living in Lawrence for a whole lot longer of a time frame, but if I’m going to be doing so then I might as well get set up with full comfort and see how it feels.
Those are my thoughts for the morning. Just checking in again with you all wonderful people.
Even the slow and simple life can be pretty exciting. A house would give me more space to optimize my capacitance to do… including some garage space for tooling around with stuff.
