Tuesday, February 24, 2009

Ready to Settle Down?

First and foremost, and hopefully, she doesn't kill me...Congrats to Liz & Taylor! They are expecting a little one this fall! I am sure that they will be the best parents ever!

And no, that does not mean that Shane and I are ready to settle down just yet. However, in the past few weeks, something has definitely "clicked" in both of our brains. We both have come to the same conclusion that before we can even remotely consider adding to our family, we would really like to purchase our first home. Something about apartment living and raising a child just does not seem appealing to us. However, given that the days of 0% down or 80/20 loans are long gone, in order for us to purchase our first home, we need to save a significant chunk of change for a down payment.

Unfortunately for us, I think we'll need more than what we can find in the couch cushions in the next year...conversely, this is what has "clicked". In the past few weeks, we have both been analyzing our expenses and trying to save were possible. Some prime examples include cutting the cell phone bill down from the $99/month plan to the $50/month plan; looking into DirectTv (with no HD) to drop our cable bill from $80/month to $40/month; looking for apartments that are significantly cheaper than our current place; etc. Although the changes are not monumental, when added up throughout the course of the next year to year and a half, they should make us that much closer to owning our first home, settling down, and starting our own family. In the meantime, we'll just continue to dream about our first home. Our latest favorite website -- http://www.har.com/

Hope all is well! I'll write more soon -- a little summary of our Valentine's Day activity - a wine tour of some Virginia wineries! Love, Steph & Shane

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