My husband and I are wanting to buy a new home and some ground out in the country. I really want a new house and out in the country so bad I can taste it but if we buy a newre home it means my husband will have to stay at his current job working 12 hour shifts only off every 3rd weekend he wants to get a job were he is off every weekend he misses the kids and we dont see much of each other. He has been looking for a new job getting day shift and off every weekend but so far his job offers arent very good. If we get this new home he loses all chances of having the job he wants and if he finds the job he wants he has to at least make around the same amount money to pay for it. I dont know what to do I want it so bad but I dont want him being miserable working all the time to get it. I cant help out he makes to much money and says the money I make he will have to pay on it at the end of the year. What should I do any advice?
2006-12-03 04:54:01 · 4 answers · asked by 2wild4u 3 in Business & Finance ➔ Renting & Real Estate
If you ask any woman who has lived out in the country you will discover that having your husband home more is essential to taking care of acreage and a rural home.
If the two of you are not in a financial position to buy your country home now, wait and save for it.
You will enjoy your home more if you and your husband can share your dream of living in the country.
If he has to work himself to death and has no time at home, neither of you will enjoy the experience. You are a team and should find a way to attain your goals together.
Good luck.
2006-12-03 05:00:18 · answer #1 · answered by Suzianne 7 · 0⤊ 0⤋
Go see a C.P.A. I disagree that the money you make will have to be paid out in taxes at the end of the year. As a matter of fact, the write-offs you will receive as a homeowner mean you will keep a lot more of your money than ever before. You should be able to work enough to keep him home on weekends. One thing people do, especially in the first year of home ownership, is to claim the maximum allowed on their payroll in order to get a higher paycheck. At the end of the year, claim the proper amount. You are basically borrowing against the tax write off. It gets you through those monthly payments.
Get the entire financial picture before you deep six all of your dreams or your husbands happiness.
2006-12-03 05:08:11 · answer #2 · answered by Anonymous · 0⤊ 0⤋
seems such as you're doing this w/out a Realtor? How long have you ever lived in the domicile? reckoning on what your costs of interest may well be, your month-to-month funds would desire to be everywhere from 6-9% of your purchase value. the section the home is placed is often factored into an appraisal, which your lender will acquire with the intention to confirm how lots you would be borrowing. extra useful region=greater value, and vice versa. The economic enterprise/lender would desire to help you establish how lots funds you may borrow; you would be able to desire to call your community economic enterprise, or a community lender and supply 15-20 minutes of a few time on the telephone. they are in a position to additionally confirm how lots interest you would be paying on your guy or woman loan. A loan enterprise can in many circumstances supply you a extra useful loan than a economic enterprise, by way of fact they have extra classes to make your mind up from. whether the owner has an appraisal for the domicile, your lender won't p.c. it by way of fact they many times use their own, which you're charged for, and yet another appraisal would be seen previous even no count if it particularly is only 3 months previous. the extra useful your credit, the less you would be able to would desire to pay, from time to time a lender would present day this in this style of a decreased value/s. So your first step is to call a lender (loan enterprise) or economic enterprise and notice how lots domicile you may conveniently purchase, see if this domicile falls in that type. if so, party including your landlord/supplier and sign a purchase order contract. tell your lender/economic enterprise the address of this domicile. they are going to set up an appointment for an appraisal which often takes no extra effective than 0.5 an hour to do and could be scheduled as quickly as a threat, and you'd be present day. you should additionally get a house inspection; this comes out of your pocket, yet is stable on your peace of strategies. In CA the supplier, your landlord, is obligated to offer you complete disclosure on the domicile interior a week of your mutual contract in writing. this means if he knows of something incorrect with the domicile, he needs to tell you, no count if it particularly is an present lien, an unpermitted room addition, or defective construction components, etc. discuss with any community Realtor. He/she would desire to be happy to offer you the different innovations you p.c. loose. desire this facilitates; you may e mail me w/ extra questions in case you p.c.
2016-10-13 22:20:02 · answer #3 · answered by Anonymous · 0⤊ 0⤋
You have to ask yourself, "What's more important in OUR lives? Having the home that "I" want, or spending more time together as a FAMILY?"
Nobody ever laid on their deathbed and said, "I should have spent more time at work."
I think you really know the right answer!
2006-12-03 05:07:54 · answer #4 · answered by Bostonian In MO 7 · 0⤊ 0⤋