Monday, February 21, 2011
So yesterday my mom called me. We talk often so this is not a surprise. But she dropped yet another bomb on me (not necessarily a bad one) but a bomb nonetheless. I am currently working for myself, I have done so on the side for years, even when I had a full time job. In May of 2010, I got laid off from my very good paying job 3 weeks before the house I sold was to close which would enable me to buy another one shortly thereafter. However, with no secure job I was not going to get a house. I was SO pissed. They knew I was trying to do that, couldn't they friggin' wait a few months? I took some time for myself, then decided it was a good time to venture out completely on my own, working for no one but me. Again, this makes it difficult to buy a home, because lenders don't like to give money to self-employed people and if they do, you'd better have a damn stable income of at least 3 years of constant work. My significant other works at a bank part time and is a musician so we can't rely on his part time job to buy a house. I've been struggling with the idea of renting in the city because you get very little for a lot of money and am considering moving a little out of the city to rent a house and have more space for WAY less money. I will be honest, we are struggling financially and because of my self-employment I've dismissed buying a house anytime soon.
My parents are wonderful and have always been there to help me if I need it. They, like most parents, want to see me happy and in a good place in life. My parents hate to see me renting, and want to see me in a place of my own again. Hence, the phone call. See, about a month ago, my mom fell on some ice and broke her hip. She'll be 65 tomorrow and pretty fit and active for her age so she's lucky it wasn't worse than it was. She spent a week in the hospital and has been home now for a little over 2 weeks. Over the past few days, it has hit her that the fall could have been much worse, she could have hit her head and I could be without a mother right now. She started crying, saying she couldn't bear the thought of leaving this earth and me having nothing. She wants to see me taken care of, and wants me in a house of my own. She's trying to convince me to go back to work for whatever time it takes for a lender to consider me in a stable job (some lenders 6 months, most a year) do what I need to do to get the house then go do what I want after I have it. Now I'm starting to second guess my game plan. I really dread the thought of working for someone else, but I really do want my own house again. Dammit! Now what?