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Installed a toilet today (piefed.social)
submitted 6 months ago by to c/dull_mens_club@lemmy.world
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It’s been sitting in my bedroom for ten months waiting to be installed.

Only had to go to the hardware store for extra parts once.

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[–] 13 points 6 months ago* (last edited 6 months ago) (5 children)

Are…are you me?

I installed my new kitchen sink a couple weeks ago that had been sitting in the box in my kitchen for a month. I didn’t post pics because I butchered the countertop cutout, but it works for now. The dishwasher is still uninstalled though, because I have been procrastinating running the electrical line to the new breaker.

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  • [–] 9 points 6 months ago (4 children)

    And here I am. 40k in the bank. Good credit. No debt. No kids. No child support. No bankrupcies. In a city where I'm looking at a house thats 155k. And being told I'm not good enough to buy this house. Even though the monthly payment would be $200 less than my current rent.

    So now the goal posts keep moving. I'm 42. Still no house. So I literally play animal crossing simply because it's a game of paying off a loan to own a house. That's as close as I get.

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  • [–] 3 points 6 months ago* (3 children)

    Why would you not be good enough? This doesn't make sense. Unless you mean not qualified, sort of? Because you'll want to put $30k+ (20%) into the down payment, maybe?

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  • [–] 1 point 6 months ago (2 children)

    My first job makes $12/hr, and my second job makes $13.60/hr.

    They aren't counting my second job because I've worked it 17 months, and they require it to be 24 months.

    Thenthey tell me that they need 75% debt ratio as a down payment. Meaning if a house were 100k, and I make $0, then I'd need 75k down payment. But since they're only counting my first job, that's only 20k.

    So on a 100k house, I'd need 55k down payment. Since 75k minus my 20k salary is now 55k. Not only do I not have 55k, but also the houses I want are in the 130-160k range.

    But nooooope.

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  • [–] 1 point 6 months ago

    Alright, I misunderstood "I'm not good enough". I'm not familiar with whatever loan standard you're taking about, as it's different here. Not like it's a good system here anyway, still predatory as hell.

    Leave yourself a healthy stash of money. 3-6 months of loan cost plus, I don't know, 5-10% of your down payment? Houses bring all kinds of new expenses. Some emergencies, some priorities, some luxuries you'll want. We're in different markets but it took at least 3 years to feel comfortable in my home financially.

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