So⦠itās another day, another problem.
I think Iāve mentioned before that Hector and I have been trying to buy a house. At this point? Iām over it.
The biggest issue is that Hector is dead set on buying what he considers a ārealā house, while Iām perfectly okay with starting with a manufactured home. Since Iām stuck in Vegas for the pregnancy, heās the one meeting with realtors, asking questions, and touring places without me. Honestly, thatās a huge step for him, so Iām proud of that. But he was already hesitant about manufactured homes, and the realtors definitely arenāt helping.
One thing he came back and told me was,Ā āThey said itās better to buy a manufactured home and then quickly sell it or rent it out so you can move into a real house.ā
And Iām just sitting there thinking⦠yeah, of course they told you that.
Theyāre realtors.
They make money every time you buy and sell. Of course they want you to become a repeat customer.
But who in this economyāespecially inĀ Californiaāactually has the money to buy one house, then turn around and buy another?
Certainly not us.
Honestly, not many people we know either.
Out of all of our friends in California who own homes, only two actually bought them on their own.
One owns a townhouse.
The other owns the house we used to rent, and she has a government job. Even then, her mortgage was actuallyĀ higherthan what we paid in rent, so she was losing money by renting it to us. But since she was stationed somewhere else, making a little money was better than letting the house sit empty.
Everyone else we know became homeowners because their parents passed away.
And⦠well⦠tough luck for us.
Hectorās parents have one house and three kids. I highly doubt anyone is inheriting that house anytime soon.
My parents rent.
So thatās not exactly a retirement plan for us.
The reality is simple.
We donāt have enough money for the down payment on a traditional house.
We donāt have the credit lenders want.
And those first-time homebuyer programs everyone loves to recommend? Theyāre great⦠if you already have decent credit or enough money saved for a down payment.
If you donāt, theyāre not nearly as magical as people make them sound.
So finally I said, āYou know what? Letās just pause this whole house conversation.ā
Because hereās the thingā¦
Iāve found multiple homes in Vegas that we can actually afford.
But Hector doesnāt want to move to Vegas.
At the end of the day, itās technically his settlement money weād be using to buy anything right now, so I can only push the Vegas conversation so much.
Then I thought, āFine. Forget buying a house. Letās just rent an apartment.ā
Find one you can afford on your income alone.
Because once the baby gets here, Iām planning to stay home for at least a few months before going back to work. Then we have to figure out childcare, which is ridiculously expensive.
So we need to budget like weāre living on one income.
He doesnāt like the $500 apartments I found in Vegas.
Because⦠Vegas.
He doesnāt like the $1,200 apartments I found in Compton.
Because⦠Compton.
To be fair, most of the ones I found were in neighborhoods where sex workers are out walking the streets.
My response?
āI doubt theyāre going to bother us.ā
Apparently thatās not a convincing argument.
But my point is these are apartments we can actually afford.
WeĀ canātĀ comfortably afford the $1,800 apartments without dipping into our savings every month.
Personally, Iād rather stay in separate states and live with our parents a little longer than sign a lease we already know we canāt afford.
Maybe thatās just me.
Marriage and parenthood involve sacrificing things.
Yes, our friends are in California.
Yes, our lives are in California.
But we also canāt afford California.
Thatās literally how we ended up in this situation in the first place.
Iām trying really hard to stay optimistic because, somehow, this has to work out.
Come September, this baby is going to need a place to come home to.
If we still havenāt figured something out and I end up staying with my parents after giving birth, I might finally throw the tantrum Iāve been holding back and tell Hector weāre moving to Vegas.
I donāt actually want it to come to that.
Because then weād probably both end up resenting each other, and thatās the last thing I want.
Whatās really breaking my heart is that Iām in my third trimester, and thereās a very real possibility that Iāll give birth to our first child without my husband living with me.
The thought of recovering from childbirth, learning how to be a mom, and spending those first few weeksāor even monthsāwithout him by my side hurts more than I can put into words.
I know weāll figure something out eventually.
I just wish we didnāt have to figure it out like this.