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Cast Your Vote:

    • Get the smaller house so you can be on your own. -- Votes: 34
    • Get the bigger house so your family has room to grow -- Votes: 2
    • Fuck owning a house, rent 4 lyf! -- Votes: 4
Lara +2 2 kids; Wasilla, Alaska 7721 posts
status 28th Feb '13

<blockquote><b>Quoting kthx.:</b>" Yus! I guess I found the jackpot for areas :lol: I've been looking around Cleves, but all the houses ... [snip!] ... in Colerain Township which is about 10 minutes north... and helllooo houses LOL. This one is $135,900... $600 a month. "</blockquote>




Holy cow, seriously.



Personal question, (don't answer if you don't want to) how much do you make an hour?



Ugh I hate it here, you won't find anything but a fixer-upper for less than 200k

user banned 2 kids; Bat Cave, North Carolina 64587 posts
28th Feb '13

I'd never want to make such a commitment to living with my mother in law/SO's mother.
And you gotta think, unless you get a house with a least 2 more bedrooms than you would get if it were just you guys, it won't really make a difference.
a 3 bedroom vs a 4 bedroom with an extra person won't really give you much extra space, bedroom wise.
And with the hoarding and whatnot, I just for sure wouldn't do it.



My in-laws, a few years ago, offered us to live with them. We'd have 1 bedroom upstairs, and the basement, that has a bedroom. Which is about as much space as we have now. And they only wanted like, $600 a month that they were going to put away in savings for us, and then give to us in a huge chunk when we had enough for a down payment. It was super sweet but I still just...no.

CerealMakerWife♥ TTC since Apr 2013; 5 kids; Ukraine 36287 posts
28th Feb '13

Not to bust your bubble but where are you getting these prices from? I just helped my brother with the purchase of his first home and it's was 124900. He put down 6245 which was 5% and his mortgage payment is $708. That is with a 3% interest rate on a 30 year loan. His property taxes are $1003 a year and insurance is $375. He also has to carry mortgage insurance which is $93 a month. He got the seller to pay half closing so he still had to come with a few grand for that. You need to figure in all those hidden costs not just the house price with interest.

kthx. Due January 13 (girl); Cleves, Ohio 66893 posts
28th Feb '13
Quoting Lara +2:" <blockquote><b>Quoting kthx.:</b>" Yus! I guess I found the jackpot for areas :lol: ... [snip!] ... don't want to) how much do you make an hour? Ugh I hate it here, you won't find anything but a fixer-upper for less than 200k"


I make $8.95 (which is SHIT for what I do, I'm an assistant manager). SO makes $14.50. We bring in about $50k a year.

kthx. Due January 13 (girl); Cleves, Ohio 66893 posts
28th Feb '13
Quoting CerealMakerWife♥:" Not to bust your bubble but where are you getting these prices from? I just helped my brother with the ... [snip!] ... had to come with a few grand for that. You need to figure in all those hidden costs not just the house price with interest."


I obviously know there are closing costs, insurance, and fees throughout the year. Which is why I'm wanting to keep the monthly payment below what we're paying now ($690), so I can factor in those added monthly costs.

Mrs. Conan O'Brien 2 kids; Colorado 20924 posts
28th Feb '13
Quoting I love Kenzi:" if it was between me and my mil id live in a box under a bridge in hell with country music playing. ... [snip!] ... out in contract to protect everyone involved. if she babysits then take that in consideration when she pays her share"


LMFAO

Mrs. Conan O'Brien 2 kids; Colorado 20924 posts
28th Feb '13

I know I'm late but



Hell. Fucking. No.



(to the MIL living w/ you guys)



the cheaper house still looks great

Lara +2 2 kids; Wasilla, Alaska 7721 posts
status 28th Feb '13

<blockquote><b>Quoting kthx.:</b>" I make $8.95 (which is SHIT for what I do, I'm an assistant manager). SO makes $14.50. We bring in about $50k a year."</blockquote>




That's not to bad!!!



I wish we could move out of alaska

kthx. Due January 13 (girl); Cleves, Ohio 66893 posts
1st Mar '13
Quoting Lara +2:" <blockquote><b>Quoting kthx.:</b>" I make $8.95 (which is SHIT for what I do, I'm ... [snip!] ... makes $14.50. We bring in about $50k a year."</blockquote> That's not to bad!!! I wish we could move out of alaska"


I wanna move to Rhode Island. I have no idea why :lol:

Lara +2 2 kids; Wasilla, Alaska 7721 posts
status 1st Mar '13

<blockquote><b>Quoting kthx.:</b>" I wanna move to Rhode Island. I have no idea why :lol:"</blockquote>




I would actually move anywhere but here lol

[wtf] i'm heather. 3 kids; Cincinnati, Ohio 8315 posts
4th Mar '13
Quoting kthx.:" Yus! I guess I found the jackpot for areas :lol: I've been looking around Cleves, but all the houses ... [snip!] ... in Colerain Township which is about 10 minutes north... and helllooo houses LOL. This one is $135,900... $600 a month. "


Those numbers aren't right because our loan was only 88k and our mortgage is 726 a month.

kthx. Due January 13 (girl); Cleves, Ohio 66893 posts
4th Mar '13
Quoting [wtf] i'm heather.:" Those numbers aren't right because our loan was only 88k and our mortgage is 726 a month. "


How? My coworker has a house in Colerain and her mortgage is around $90k and her payments are only $605 a month... including taxes and what not. She also put the minimum amount required down... I think she said $3-4k.

Lara +2 2 kids; Wasilla, Alaska 7721 posts
status 4th Mar '13

<blockquote><b>Quoting kthx.:</b>" How? My coworker has a house in Colerain and her mortgage is around $90k and her payments are only $605 ... [snip!] ... are only $605 a month... including taxes and what not. She also put the minimum amount required down... I think she said $3-4k."</blockquote>




I think the persons credit score and interest rate has alot to do with it too

kthx. Due January 13 (girl); Cleves, Ohio 66893 posts
4th Mar '13
Quoting Lara +2:" <blockquote><b>Quoting kthx.:</b>" How? My coworker has a house in Colerain and her ... [snip!] ... I think she said $3-4k."</blockquote> I think the persons credit score and interest rate has alot to do with it too"


She was in the process of filing bankruptcy :lol: SO has pretty good credit... somewhere in the lower 700s. Mine has jumped 100 points within the last year (thank you, car loan). So I don't think our interest would be too insane. I couldn't imagine paying $700+ on an $88k house. That's crazy. Unless she's in downtown Cincinnati or a historical part (then I could understand). But in a neighborhood with no significance? Nuts.

Hy'ska 2 kids; Washington 50791 posts
4th Mar '13
Quoting kthx.:" She was in the process of filing bankruptcy :lol: SO has pretty good credit... somewhere in the lower ... [snip!] ... she's in downtown Cincinnati or a historical part (then I could understand). But in a neighborhood with no significance? Nuts."

holy gorgeous avi