ericbomb

@ericbomb@lemmy.world

This profile is from a federated server and may be incomplete. View on remote instance

4ish years ago when I bought a house I was convinced not to get a house inspection, would it be crazy to get one now just to make sure it's all good?

Was 25 and super nervous, so when the realtor was like "oh yeah they just check for basic stuff, but I looked around and it looks great" I was like "Oh okay, this is so astronomically expensive every penny saved is good..."...

ericbomb OP ,

The simple, but annoying answer, was luck and fear.

I grew up in poverty on account of my father going to prison very young and my unprepared mom having to somehow take care of 3 kids and realizing he had made lots of money vanish and stolen lots of the money we did have that needed to be returned, and instead of inheriting money irresponsibly, I got a crippling fear of debt and spending money on non necessities.

But at the same time I was making around 70k a year at 25, because at 20 I got my associates in IT, then found a job paying above what I was asking for in under a month after graduating, and I still work at that job 10 years later as they've been very reasonable through everything. Getting that job SOO fast that worked out so well was just pure luck.

Also I couldn't buy the house I'm in anymore, buying at 25 instead of 26 was pure luck. If I had been born a year later, buying at 25 wouldn't have worked. The price of the house went up about 100k a few months later.

Also even in 2019, my home was considered a fantastic deal. A 2k square foot town home for 240k in a medium sized city (the one I grew up in), within walking distance of main street. It has an hoa, but it only has 9 other town homes in it, and we have a massive shared common area and pool. Having a pool I only have to share with a dozen other people is a luxury I never imagined. Hoa fee is 200$ and they've only ever asked me to pull weeds around my house when a neighbor was selling theirs and they wanted it to look pretty to help out a neighbor.

So I actually don't have a car (too expensive) and I can walk/bike to grocery stores, doctors appointments, the like. To top it off it's only about 3 miles from where my mom lives, and we just recently moved my grandma into a senior living center about a mile away so she's close to me and my mom.

So, yeah. I just saved every penny to a stupid level, then got rather lucky. Saving every penny at my income wouldn't have worked without the luck. Never being unemployed in my entire life was pure luck. Finding a home that met all my needs perfectly within my budget was crazy.

The cheapest home in this city are 200k 900 square feet town homes, but because of the interest rates the monthly payments are 50% higher than my beloved home.

But all that luck wouldn't have meant a thing if I hadn't saved like crazy. Sooo... yeah. For context, after much cajoling from counseling I have agreed to allow myself 100$ fun budget per month, and $400 a month for food so I buy more "nice" food. My only debts are a little bit of my college loans (I paid off all the high interest ones and the only ones left are like 3%. I had a tradition where every tax return I just put the entire thing towards the highest interest student loan) and my mortgage which is at 4.25%. I'm going to retire a millionaire and with a fully paid off home.

But it's so sad, because people taking the EXACT same actions as me, but 2 years younger, won't. They'll have to rent their entire life, or buy a home out in the middle of nowhere away from family and services. Which means they'll most likely need a car and have to pay other premiums.

ericbomb OP ,

Hey man I didn't say it was smart!

And it was one of those things where it's like I had X amount of money, and afterwards I was going to have not much money at all. So spending $300 more of that tiny remaining money was uncomfortable.

ericbomb OP ,

Thank you! I wish I could give advice that was relevant to the current time . If I was 24 and didn't own a home I'd probably be having to do math on buying a 100k home in a super cheap area in a different state. But that would come with other hidden costs like having to own a car, not having access to good medical care, possibly higher crime rate, if I didn't have a WFH job then finding a job will most likely be a pay cut and if I lost my WFH job I'd have to most likely take a lower paying job, then of course if I wanted to see my family ever I'd have to budget in that....

Ugh. IDK man, I feel awful for people just 5 years younger than me.

ericbomb OP ,

Well even the land itself is worth more than I paid, and 5 years of no problems is a great start. But will find a good inspector and see if I really did get that lucky!

ericbomb OP ,

The housing market was silly for awhile. Lots of homes basically had a clause of "If inspection done, no sale"

ericbomb OP ,

The land it's on is "currently" more expensive than what I paid for it 5 years ago. Just recently got an appraisal done.

If I tried to buy this house now with my income the bank would laugh at me.

Sorry to anyone who didn't buy a house pre - covid :(

ericbomb OP ,

I mean 30 year old me recognizes that was a super weird thing to say.

25 year old me felt super over his head anyway.

But I'm getting an inspector! Don't you fret!

ericbomb OP ,

My realtor :(

I was 25 and very overwhelmed by it all.

I love my house, it seems perfect still several years later and I've only had to do some minor repairs.

But I'll get one to make sure no dangers are lurking where me and my handy man can't see!

ericbomb OP ,

Oh yes! Yogurt with some crunch and fruit is just SOOO good, and you can get a like $4 tub of yogurt that lets you eat some every day for a week.

ericbomb OP ,

Ooh those look good! Just fruit and seeds. Looks better than the stupid granola bars that are mostly sugar.

ericbomb OP ,

Hah crazy how often brands pull this off and we don't even notice.

But yeah popsicles are good! I now have good memories of making popsicles with like lemonade and strawberries in them in ice cube trays.

I should make some ice cube popsicles...

ericbomb OP ,

... okay but which snacks are peak for a dollar?

I do remember when I was young though I would go to dollar tree and they would sell a pack of fudge covered graham crackers, and those were amazing.

ericbomb OP ,

My banana bro!

ericbomb OP ,

I mean a small amount of oil usually helps.

ericbomb OP ,

Oooh great shout! Now remembering how crazy we would go with the little $20 popcorn machine my mom bought.

ericbomb OP ,

"Hear me out"

describes a lazy chocolate coffee

I mean it is a unique way of making it, but it's still just adding coco powder and sugar to cold brew!

ericbomb OP ,

Oh sick!

I always find joy in the fact that vegan community accidentally made a large infrastructure for people who need to cut out certain animal products.

Find that you can't eat eggs? Vegans know what replacements work for what purpose.

Milk disagree with you? They have choices!

Happy to hear that it made it easier to cut out dairy for your health!

ericbomb OP ,

Well yes they are.

That's why I was asking if any stood out to you as helpful.

ericbomb OP , (edited )

Oh that makes a ton of sense!

Even if the categories are iffy, both people getting different results is probably enough to go "hey maybe we need to talk about what makes us feel loved"

ericbomb ,

"Comments turned off"

I wonder how long that has been the case!

ericbomb ,

Except... if you said you were throwing paper, they would think you were trying to bait them into going scissors so you could go rock.

So wouldn't they themselves go paper? Why would they go rock?

ericbomb ,

Dang it, I feel like this could be a really stupid study. Do this to hundreds of people and record the average response.

ericbomb OP ,

gasp

And there are even recommended tag mashes for different genres! I have found my people who have been similarly hurt by picking up a book that they thought was a standalone, then running right into a cliff hanger wall and an unfinished series.

ericbomb OP ,

If you google "which wheel of time can I skip" you will find many discussions about it.

You'll also find fan edits where for a ton of chapters are skipped and instead gives a small update of anything important that happened.

Famously, despite women being incredibly powerful and it having tons of female characters that talk to one another, he gives a lot of them quirks that get brought up all the time.

ericbomb OP ,

Spot on!

I remember in middle school when I was given the series I was hooked after reading the first book!

Then as I was getting more through the series it was more a sense of stubborn wanting to see it through than anything.

ericbomb OP ,

Fans who follow more closely can correct me if I'm wrong, but....

The author streams and does events, but hasn't given any updates in a long time. He did a fund raiser where a goal was releasing the first chapter of his next book, which he supposedly has been working on since 2011, and he never did despite meeting the goal. Sure feels like despite supposedly working on it for 2011 he hasn't even made a draft of the opening chapter.

Additionally, his previous editors and publisher have said they haven't seen any indication he is working on them at all. So it doesn't seem like he's agonizing over revision 512 and still not happy with it. Seems like he just never made a first draft.

ericbomb OP ,

Haha my gf reads fan fiction and I do get jealous!

She can do "cozy platonic, slow burn" with any 3 characters in a story and she'll get a perfect list as if it'd been hand curated for her despite it being a seemingly insane thing to look for.

Like how come I can't just click on good reads " finished series only" but she can find a list of all stories where the main characters have been turned into cats and snuggle up together???

ericbomb OP ,

My Canon ends with Dune so thats a good point!

Most people only care about the first book though, so I'm not special there.

ericbomb OP ,

By not falling in love with book 1 you saved yourself some pain, so don't fret too much.

ericbomb OP ,

"Oh that has funny jokes!"

"Oh... they were the only good jokes."

ericbomb ,

Obama as now, or at the same age as me?

30 YO Obama looked amazing.

ericbomb OP ,

True! Lots of wonderful comments here.

ericbomb OP ,

Oh man see I knew i was missing stuff! My gf wanted more if an explanation of why I didn't love a vpn but I couldn't really explain more than "if you leave sign pots everywhere that you live here, probably don't need to worry about bread crumbs"

ericbomb OP ,

You're so right and never thought of it like that! If you Google and find a new service you've never heard of, we're expected to give up our soul in a heartbeat! Even for a new email so many are like:
First name
Last name
Phone number for dual authentication
Install this app for dual auth
Birthdate!

Like dude, there are a lot of services that just that information alone is enough to call in and take my account. It's so scary how common that is.

A game I play uses PayPal as the payment processor, and pay pal decided to pay this specific company I had to upload the front and back of my ID.

Just... ugh.

ericbomb ,

Must not be anywhere near to the actual free way entrance then if it's that cheap! Cheap places always have trash commutes.

[Thread, post or comment was deleted by the author]

  • Loading...
  • ericbomb ,

    Most undocumented immigrants in the US enter legally then never leave.

    The idea that most cross the border on foot isn't supported by data.

    ericbomb ,

    Article implies it's less of new stuff, and more parts to repair current missile defense system.

    Which makes sense why it's critical. Ability to prevent more apartment buildings being turned to rubble is probably top of the list.

    ericbomb ,

    Someone posted to the class discussion form with the bit about being an ai bot still included.

    I wish it was a joke.

    I didn't do great in that class, but it was me getting 70% for not wanting to try and explain a mathematically concept in 500 words! They won't take that away from me.

    ericbomb ,

    There is a cross walk near my house that leads to a park I take my dog to. In 2 years not one car has stopped...

    Could a brick solve my problem?

    ericbomb ,

    Well now have a new service to use!

    I'm so tired of Nordvpn and raid.

    Like if you're playing an indie game that sponsored the video, that is sick.

    I in no way wanna hear about man scaped while watching a Pokémon video.

    ericbomb ,

    My mom? Thank heavens, her taste in men is TRASH. Surely her taste in women has to be better.

    Dad? I'd tell whoever told me that I don't care what my dad is up to.

    ericbomb ,

    So funnily enough, she has had romantic interest in 2-3 women in her life who were very close friends that were gregarious, successful,kind, and independent.

    But she wasn't actually attracted to them. It's like her brain recognized "oh hey these people would be wonderful to have has life partners."

    But she's not attracted to women. So yeah still hoping she'll decide she likes women. Cause my dad was rock bottom and her recent boy friends were looking for a new mom to take care of them at 55.

    So yeah, her taste in women would hopefully stay high if she decides she is gay!

  • All
  • Subscribed
  • Moderated
  • Favorites
  • random
  • news
  • movies
  • ServerNonsense
  • leopardsatemyface
  • stillalive
  • istillthinkofyou
  • oneorangebraincell
  • MBBS
  • All magazines