this post was submitted on 31 Jan 2024
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Fixing takes money that neither of us had
If you had money to buy a house ($$$) you have money to DIY (¢). What you listed is small fry.
Borrowing money from a bank is not the same as having cash to buy all new appliances, fix pissed on carpet, and repair walls and counters that somebody took a sledgehammer to. Do you think that all houses are purchased with cash?
...you have money to pay that mortgage, right? If yes, then these things are minor in comparison. But you're saying the minor things busted the whole purchase, instead of the major thing of a mortgage on a house.
Buy used appliances, yes they are around. DIY carpet (which you didn't say before, so I think you're doing the slow trickle of just adding more and more now), DIY holes in walls (see it was holes in walls before, now it's walls). Put a piece of plywood on the counter until you can do something better. You can do this over time too. This stuff is cheap, cheap, cheap compared to a mortgage. Chow.
When every penny counts, and you're scraping together all you have for a mortgage, plus first year weirdness with escrow payments, what you're saying is NOT minor. It's anything but.
All you're really telling this other guy is that you've never been genuinely poor. Everything you just wrote is from a place of continuing financial privilege. You seriously have NO idea what you're talking about. Ciao.
Ah the personal attacks. That says it all.
My honest response is that if you are just scraping through payments you probably shouldn't have brought and opened yourself up to alot of risk.
He didn't, hence his responses.