I can’t buy a house, I don’t even have a goldfish

by Kristina on February 11, 2013 · 4 comments

Good morning Dinks. I am 32 years old, I have been in a relationship with my boyfriend for 13 years, we both have full time jobs and we still rent our apartment.  Now that the marriage questions and the questions about when we are going to have kids have worn off the one thing that all of our friends, family and coworkers want to know is why don’t we buy a house?

The answer to that question is very simple; we are irresponsible and total cowards. My boyfriend and I still rent an apartment, but it’s not from the lack of trying to buy a house. We have actually made two offers on two different condos and we also even reserved a condo unit once from developer for a new condo construction.  However, all three times my boyfriend and I pulled out of our purchase agreements because we just couldn’t make the leap and buy a house.

Rental living is carefree living and I love it

Even though my boyfriend and I are both in our 30s we still live like we are students…just on a better budget.  It’s no secret that I have had my share of financial struggles in the past, but I have overcome them and definitely learned from my mistakes. I no longer spend money carelessly, but I do spend money on personal items, home furnishings and life experiences that are worth the cost.  That is my secret to achieving financial freedom and personal happiness – when I spend money I always make sure that the cost is worth it.

Renting an apartment is completely care free, if my towel bar breaks or my bathroom sink clogs all I have to do is call the rental office and they will send over the superintendent to fix any problem.  This, in my opinion, is a convenience that is worth the cost of renting an apartment.

Maybe it’s time to grow up and buy a house

My parents seem to think that my boyfriend Nick and I haven’t bought a house because we are both suffering from the Peter Pan syndrome.  Maybe that is true, and if it is, what’s wrong with not wanting the responsibility of paying a mortgage, paying utilities and having to deal with all of the extra responsibilities (and costs) that come with owning a home.

Buying a big home means that we will just have more shelves to dust and more floors to sweep.  I don’t have a lot of free time as it is, so spending the little time that I have cleaning a big home is not appealing to me at all.

Learning from my past financial mistakes

I purchased my car before I was ready to deal with the monthly payments and all of the extra expenses that come with owning a car such as the insurance premiums, parking costs and the price of gas.  Maybe I am afraid to buy a house because I fear that the same thing will happen again.  I have always paid one monthly bill for my housing in the form of rent and I am not sure if I am ready to juggle mortgage payments, condo fees and heating costs into my monthly budget.  If I can’t handle the financial responsibility of buying a home I can’t just sell it like I did with my car, the financial damage could create a whole new financial mess for me and I am just not ready for that.

Photo by Calgary Reviews

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