- waiting would give us more money in the bank to build a true dream house vs. just a house.
- waiting would mean the kids would be older, more self-sufficient or even moved out!
- waiting would mean we could find careers where working from home, out in the country, would be a possibility, even just for snow days.
- waiting would mean we could be mortgage-free without other debts.
So here we are. We have a nice savings base in the bank. Our kids are older, self-sufficient & 2 have moved out. We both work full time in careers that mean we can work from home when we want, not just on snow days. We are not quite mortgage-free but the debt we used to have is gone & the car loan will be done by next fall. Manageable debt. Under the guidelines for a bank loan to build if needed debt. Our goal is to be mortgage-free at the point of possession, very realistic because we own the land outright. But it will depend on the size of home we choose & the finishings. We'll have to really keep a tight rein on ourselves. If we do have a mortgage, it will be much smaller than the one we have & we'd pay it off within 2 to 4 years. We could live with that if we're happy with the design, the size & the finishings.
Alright. Sounds good. But we're scared. Why? We're not sure.
Went to look at showhomes this weekend. We got excited, dreamed & looked lovingly into each others eyes.
And then we got scared!
Maybe it's because we've never built before & all we hear is how stressful the process is or how bad it went. Having gutted & renovated every house we've lived in, building can't be worse, because at least we're not living in it!
Maybe it's because we've both never lived in a house this long (21 years this summer) & it's become comfortable, livable, familiar, home.
Maybe it's because we've birthed some of our children here. How do you let go of your child's birthplace?
Maybe it's because we could never imagine loving a house so much yet here we are.
I think we'll need therapy to think this one thru!