Bring On The Debt…

So I had a nice in depth conversation with a mortgage broker today. For those of you who don’t know I am pondering purchasing a condo of my own. I am fine living at home, but I’ve reached that point in my life where it’s time to move out. Not because I have to, but more because I want to. I had planned on looking in the spring, but several people have told me I could save more money by purchasing a place now than if I save more money and look in the spring, mostly because the winter is a notoriously bad time to sell so people are willing to sell for a little cheaper.

Anyways, I spoke in depth with a mortgage broker, someone my realtor had suggested. She was very nice, and walked me through most of the options. Let me tell you, it’s a bit scary. The amount of money I’m talking about financing is more money than I’ve ever thought about. :) Ok, so maybe that’s not true, but it’s still a lot of money. And to think that I’m going to owe that for the next thirty years. Yikes. I don’t know how people do it.

I may end up doing things a bit differently than I first imagined. The original plan was to save up a bunch of money and then put down a pretty good down payment. In talking to my mortgage broker she thinks its more equitable to pay off my student loans with the money I’ve saved and then have the money that would have been going to student loans on a monthly basis go towards a mortgage. The difference in cost between putting down a down payment and not putting one down was 100 bucks, so the math makes sense. I’d be saving 300 dollars a month, plus supposedly payments made towards a mortgage are tax deductible? At least that’s what it sounded like. I”m going to have to do some more research before I fully commit to this, but we’ll see where it goes.

So yeah, I’ve started the process. Will I actually find something anytime soon? WIll I find something I like? Will I have the guts to actually go through with it? Who knows?

Vivid Dreams

So I’ve been having rather vivid dreams the past few nights. Usually when I dream I remember bits and pieces every now and then and most times I don’t remember anything. But the past few nights my dreams have been very vivid, almost lifelike, and I remember lots of details when I wake up. It’s actually kind of fun, because dreaming is obviously a way for your subconcious mind to roam free. My subconcious mind is a little wierd, and I’ll tell you why. Here’s what I’ve dreamt about the last few nights in brief.

Dream #1 - I just had a baby with an unknown girl. By unknown I mean she isn’t related to anyone I know in real life. In the dream I got the sense we were married. pheeew. :)

Dream #2 - I’m playing a real life video game. It has something to do with finding a treasure and passing various tests. Though in my dream I’m pretty caniving, but it’s a game, so I guess that’s OK. Maybe I’ve been watching too many episodes of the amazing race.

Dream #3 - I’m driving my mom to her Doctor’s appointment, but when we get there we sort of “crash.” Bascially as we’re parking it feel liks we hit something. I get out and look at my car and I don’t have one back wheel and the other has been chopped in half, and nothing else is around. Bizarre.

Dream #4 - I’m having an argument with a coworker (about what I can’t remember), and all of a sudden I’m getting on a bus. Half way through the argument I realize I haven’t payed, so I tell my coworker we have to call off the argument so I can pay. Yet, the bus driver is outside the bus, and I get the feeling the bus isn’t ever going to go anywhere.

So there you have it. A peek into my subconcious. Hopefully the trend continues. I love where my dreams take me sometimes.

Danny Overstayed His Welcome

So I’ve had lots of complaints from people that their tired of Danny. I can understand that. Danny’s belief in God has graced the front page of my website for 46 days now. That 16 days longer than the average month. Yes, I am pathetic. Yes, I didn’t even post in December. Yes, I will probably look back on this time in my life and wonder what happened, since I have no documentation of it. Such is life I guess.

To all the faithful who still check my site even after 46 days of inactivity, bless you. To those who have stopped coming I hope that I can one day regain your trust.

So, all of that being said I’ve made a New Year’s Resolution to post at least once every other day. Considering it’s already January 7, I’ve already broken this a few times. No more.

Bye Bye Danny. Hello 2007. :)