Buying a house when you’re single

Hey friends. It’s been a while since I’ve posted. I hope that things are about to slow down and I can get into a regimented plan that involves blogging on a consistent schedule.

I have some exciting things going on! As of yesterday, I am officially under contract to purchase my first home! Although I’ve owned before, this is the first time I have bought a home by myself. I was married before, so this is new territory for me.

Part of me thought I should wait until I marry again. You know what I’m talking about. That little voice inside that whispers things like … “what if you meet Mr. Right and have to sell next year, but the market sucks?” or “You really shouldn’t be doing this by yourself.” Well — I put that voice to sleep, lol.

I refuse to wait on a man before making big decisions in my life. I am single by choice. Mainly because the right man just hasn’t come around yet. And honestly, I hope he does — but if he doesn’t, that’s ok too. I would love a companion. Someone to share life with. Someone who accepts me for who I am. Someone with good intentions that doesn’t take me for granted or use me. But, if it never happens, it’s not the end of the world either.

My point is. I can’t put my life (and my boy’s lives) on hold simply because I’m waiting on a relationship that may never happen.

I made a list of goals back in January 2013: Graduate College, get a new job, buy a house. …

I had hoped to accomplish all these in 2014. In fact, I did accomplish them all — except the part about buying a house.

Main reason, without getting too far into the details — I faced a mountain of financial issues as a result of my divorce (which was finalized in 2012).

I left him the house, which he quit making payments on and it landed in foreclosure. I also had thousands of dollars in medical debt, both from my illnesses and of course the fact that I have two boys, one of which has made it a goal to break every bone in his body by the times he’s 20, haha.

So, long story short — for the last two years I have had a plan in action to get my credit straightened out. I knew I had to wait until 2015 to buy due to the foreclosure. So I focused on paying down all the medical debt. I’m not gonna lie, it was tough. It meant taking every extra penny and instead of eating out, going to the movies or buying new clothes — paying off debt.

It took me two years, but I finally did it.

Exhausting and frustrating — YES.

Worth it? — EVERY PENNY.

I have been in a town home the last two years with my guys. It’s a two bedroom that’s gotten us through, but it’s small, less-than private and over priced. The idea of paying nearly $1,000 each month that’s just being thrown away has been a tough pill to swallow. I would much rather be investing those payments in a home.

So — although the keys aren’t yet in my hands. I can say now that I am officially under contract.

It’s a cute little ranch, very open floor plan and 1.3 acres filled with trees (not just pine). It’s on the corner of a culdesac. Small neighborhood (just one street), but within walking distance of the town, which is filled with antique shops, boutiques and restaurants.

It’s also 5 minutes from the highway that goes straight to my work.

I’m praying that the next month of appraisals, inspections and the loan process goes smoothly. Feel free to lift me up in prayer, because either way — my lease is up June 27 — whether this deal goes through or not.

The stress has been a struggle. I had approximately 1 month to find a house and have spent night after night (when I get off work) searching with my agent. This is actually the third house I’ve made an offer on. The other two fell through.

As those of you know with chronic illness, the stress is not helpful. In fact, my shingles pain is back and I was so sick yesterday, I could barely stand up. I’ve been nauseated and dizzy. I’ve had stomach issues and migraines. I’m also under slept and exhausted from all the long days. It has not been easy.

I’ve had flares in my wrist, right shoulder and left ankle.

And the hardest part is despite all the physical ailments — I knew I had to keep going. I don’t have a husband to pick up the slack or even vent with. I couldn’t miss work and I had to find a place within a short time, which meant the only time I could look is from about 6-9 p.m. Then, if we found something, that meant filling out paperwork until 11 p.m. and then waiting to hear back.

Then there’s the issue of the loan. Knowing that I had been pre-approved helped, but I also knew I needed a monthly payment that I can pay by myself if for some reason child support stopped or other major financial issues hit. Let me tell you, not having that second income to fall back on is a little scary.

But I’ve never let fear keep me from doing what I need to do, so why start now.

I feel good about this move. I know God has his hand in this. I felt at home at this place and I can’t wait for my boys to have their own rooms. I feel blessed to be able to do this. And I trust that God will allow everything to fall into place — even if it’s not what I expect.

Also, it’s like 10 minutes from our church. 🙂

So, that’s what’s going on with me. I love my new job so much. I’m moving in 30 days (Lord willing) and I have to start the process of packing. (UGH)

I didn’t even mention that my 17-year-old is in a National Guard program (YCA) until August. I miss him dearly and we will actually move while he’s away. I’ve been keeping him in the loop though and he comes home for a visit next weekend. Can’t wait to see him! ❤

And my youngest officially is out of middle school and starts high school next year. (crazy)

God is good. I am content. And I have never felt more like I’m on the right path than I do now!

Nature_Forest_The_path_through_the_bamboo_forest_021202_

Until next time friends

~ allie

Here’s some photos for your enjoyment 😉

Also — took my youngest to see Brand New in Raleigh, NC May 9. Great show, amazing venue. Had such a good time. You can see a video from the show below! 🙂

Brand New Tickets

Brand New takes the stage in Raleigh, NC

Brand New takes the stage in Raleigh, NC

Me and T-bear <3

Me and T-bear ❤

Me and Trent when I got to visit him last month <3

Me and Trent when I got to visit him last month ❤

Trent and his buddies this past Saturday after the mud run! :)

Trent and his buddies this past Saturday after the mud run! 🙂

Myrtle Beach last year. Heading back in July for a week and can't wait!

Myrtle Beach last year. Heading back in July for a week and can’t wait!

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About Imkjac

I love my work. I also love the following things: God, my boys, my family, dogs, cats, writing, photography, reading (a bit of a lit geek actually), cooking, being outdoors, hiking, fishing, film, music, Spotify, beards, tattoos, board games, TV (also a TV geek), Netflix, pajamas, antiquing, interior decorating (DIY), blankets, polar bears, art, food. I dislike these things: elevators, heights, unclear water, bridges. Thanks for reading my blog and hoping it brings some comfort and joy to others.
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