Life doesn't get cheaper just because you want it to, and despite an increase in my loan amount, I'm still working hard to save for the down payment. FHA only require a 3.5% down but it isn't against the rules to put down more, and the more money you put down, the more competitive you are. I'm currently 5% down with no seller credit requested. I'm working to get that 10%. Despite my best efforts, life keeps getting in the way. Here are a list of expenses that just have made life a little harder:
*My insurance company wouldn't pay for a Gardasil vac (or at least was making it really difficult) so I had to pay out of pocket for it.
*My dog got a UTI requiring an ultrasound. While at the vet we realized she was over due for a heartworm test and I also picked up her flea/tick/heartworm medicine. This all translates to mucho dinero, even if it was well spent.
*I scuffed my neighbors brand new car while pulling out of our crazy apartment parking lot. It was less than my insurance deductible to fix it so we were able to keep it away from them (no raise in rates) but it was a chunk of change I wasn't excited to spend.
*My car had a broken fuel pump and apparently has a weird fuel pump set-up meaning lots of money.
All of these unexpected expenses have really been a pain. I'm still in the game, but it just means I'm saving less than I thought I would. I've also done some crazy things to save money, as well. I'll write about those soon.
At one point I was thinking, "The universe is conspiring against me," but then I realized that anything I've ever really wanted I've had to work for, why would a house be any different? So I'm sticking to my guns and saving what I can and breathing through the unforeseen expenses.
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