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05.22.08, 07:29 AM General Topics
39 replies
hhi 100k. just put in an offer for $375k house (dp 60k). we're going to struggle big time right? [ Reply | Watch | Flag ]
General Topics 05.22.08, 07:29 AM Flag
 

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depends on other expenses. but it sounds very workable to me. [ Reply | More
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General Topics 05.22.08, 07:33 AM Flag
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car payment w/ ins $300; commuting $185; utilities we figure btwn $400-600; taxes are $700/month and our groceries are about $700. no c/c debt. [ Reply | More
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General Topics 05.22.08, 07:36 AM Flag
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forgot to mention $900 comes off per month for medical ins. [ Reply | More
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General Topics 05.22.08, 07:38 AM Flag
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what area? [ Reply | More
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General Topics 05.22.08, 07:34 AM Flag
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bergen county [ Reply | More
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General Topics 05.22.08, 07:36 AM Flag
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Wow, where'd you find a house for that price? [ Reply | More
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General Topics 05.22.08, 07:47 AM Flag
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that's the thing!!! it's in a town we truly love, the schools are good and it's a 45 min. train ride into penn. it's a tiny little house, but the price is soo low, how can we pass it up? [ Reply | More
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General Topics 05.22.08, 07:54 AM Flag
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What town??? And what kind of shape is it in? [ Reply | More
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General Topics 05.22.08, 07:55 AM Flag
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can't say the town... sorry. no remodeling needed. [ Reply | More
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General Topics 05.22.08, 08:03 AM Flag
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Uh ... why not? [ Reply | More
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General Topics 05.22.08, 08:04 AM Flag
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np: is it in river edge? not too many towns in bergen w/ decent housing prices and good schools. that's one of the towns I'm looking at. [ Reply | More
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General Topics 05.22.08, 08:05 AM Flag
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no [ Reply | More
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General Topics 05.22.08, 08:05 AM Flag
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she said 45 min, I'm thinking much further out [ Reply | More
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General Topics 05.22.08, 08:05 AM Flag
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true. not too sure of what towns are on the train line, haworth/emerson? [ Reply | More
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General Topics 05.22.08, 08:07 AM Flag
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Maybe Glen Rock, Westwood, Wash Twp or something ... [ Reply | More
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General Topics 05.22.08, 08:08 AM Flag
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np: Agree abt Wash Twp. Tons of less expensive homes there. [ Reply | More
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General Topics 05.22.08, 08:10 AM Flag
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op: ding! ding! ding! [ Reply | More
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General Topics 05.22.08, 08:10 AM Flag
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Emerson? I know you can't get something in Haworth ... [ Reply | More
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General Topics 05.22.08, 08:11 AM Flag
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yes, it's a 315K mortgage. Our HHI is 130K and we have a 200K mortgage. Do you have any other big expenses (childcare, car)? [ Reply | More
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General Topics 05.22.08, 07:35 AM Flag
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no childcare exp. i'm a sahm. please see above our expenses. i figure if worst comes to worst, i'll go back to work (1yo and 2.5 yo). [ Reply | More
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General Topics 05.22.08, 07:37 AM Flag
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what's the monthly payment amount for the mortgage end up being? [ Reply | More
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General Topics 05.22.08, 07:41 AM Flag
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mortgage & interest payment = $1925. [ Reply | More
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General Topics 05.22.08, 07:44 AM Flag
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doesn't include taxes and homeowners insurance? [ Reply | More
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General Topics 05.22.08, 07:46 AM Flag
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no. taxes are $700/month and insurance is $46/month. [ Reply | More
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General Topics 05.22.08, 07:51 AM Flag
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Our HHI is about $145K (plus $1,200 rental income) in NYC on a mortgage of about what you'll carry. It is tight. [ Reply | More
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General Topics 05.22.08, 07:46 AM Flag
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yeah. we're going to be ridiculously tight, but we want to stop wasting $ in rent. like i said, i may have to go back to work... [ Reply | More
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General Topics 05.22.08, 07:52 AM Flag
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I found that being in my own house I was less inclined to do other wasteful things though. Like I didn't get delivery as often since I had my own kitchen. Are you/SO handy? That is what really made it do-able for us. I have done 90% of the renovations myself. (That 90% is only 25% of what dw would like but that is for a different thread.) [ Reply | More
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General Topics 05.22.08, 07:56 AM Flag
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dh is definitely handy. he's done his own bathroom and kitchen in an apt. he owned before meeting me. we also have a cousin who is willing to help us (cheap labor) w/ a lot more expertise. [ Reply | More
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General Topics 05.22.08, 08:07 AM Flag
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np and you can get a 2-3br coop in fort lee with pool, dorman, parking, etc for $250-350k. Great commute and great schools (unless you don't like koreans). [ Reply | More
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General Topics 05.22.08, 07:56 AM Flag
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we REEEEALLY want a house. the garden, etc. just the idea of owning our own home... know what i mean? [ Reply | More
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General Topics 05.22.08, 08:04 AM Flag
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Yeah, but it's much more expensive and much more work than you realize. Trust me! [ Reply | More
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General Topics 05.22.08, 08:06 AM Flag
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yeah, i know... we'll have a cushion of 20k in the bank and like i keep telling myself. i may have to go back to work... [ Reply | More
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General Topics 05.22.08, 08:08 AM Flag
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how many bedrooms? yard? is it worth it? [ Reply | More
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General Topics 05.22.08, 07:57 AM Flag
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3 bedrooms, small yard but good enough for our two toddlers. the house is worth it and the more time passes the more we truly want it! [ Reply | More
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General Topics 05.22.08, 08:09 AM Flag
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be prepared for random homeowner repair bills. sounds like an old house. [ Reply | More
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General Topics 05.22.08, 08:02 AM Flag
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we're keeping 20k in the bank for this reason. [ Reply | More
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General Topics 05.22.08, 08:05 AM Flag
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smart. [ Reply | More
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General Topics 05.22.08, 08:06 AM Flag
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$20k isn't nearly enough. [ Reply | More
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General Topics 05.22.08, 08:08 AM Flag
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no remodeling is needed tho. this is in case something goes wrong like we have to buy a new boiler or something. if the roof needs to be done then the inspector will pick up on it and then we'll negotiate on the price or back out.. [ Reply | More
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General Topics 05.22.08, 08:11 AM Flag
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