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Dipping My Toes

While surfing StreetEasy, I noticed that there was a new two-bedroom apartment listed in my ideal neighborhood. The price is absolutely ridiculously overpriced though I was curious and wanted to see the apartment in person. I knew from past experience that the apartment looks much larger usually in person than they appear on line. I clicked the call the agent feature on StreetEasy and I was connected to a Broker name Owen. Owen isn’t the listing agent however he would meet with me at the property and offer me guidance, realtor services if I needed to make an offer.  I wasn’t going to make an offer.  Firstly, the property was ridiculously overpriced.  Secondly, it was small.  The apartment opens into a small foyer where you can see the living/dining area. Left of the foyer was a retro pink bathroom, then a master bedroom with two nice closets (one of them a walk in).  The second bedroom is actually I half bedroom right off the kitchen. Owen made a point of telling me that the kitchen c…
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Apartment Stalking

I have a confession.
I’m a stalker.
For the past two months, I have been stalking this perfect two-bedroom cooperative apartment online. Almost daily I view pictures on Streeteasy.com and Zillow.com and breathe a sigh of relief when I see that someone has not yet snapped it up. It’s not a huge place. It’s a two-bedroom apartment with a small kitchen and living/dining area. I have imagined hosting Christmas and dinner parties here. And boy do I let my imagination run wild with design ideas. I have painted the living room a nice grey and hung flowy white curtains to the windows where currently there are blinds. In the kitchen, I have stained the cabinets, modernized the hardware and changed the backsplash to glass tiles that I found at home depot. Despite the imaginary home decor ideas, the apartment is otherwise perfect and in move in ready condition. Except of course that I am not ready.
I am not ready to get off the fence.
I’m not ready to make an offer as yet.
Perhaps it’s a ca…

Budgeting and the New York Lifestyle

The other day I met up with my good friend, Tracey, for lunch. These days we always seem to talk more about our careers and financial matters.  Tracey and I are in the same career field but have different kinds of responsibility. My job, for a large government agency, requires me to spend long hours on my feet and travel to many locations. Glamorous it’s not but it allows me a lot of autonomy. Tracey works on a yearly contract for a University in Manhattan. I live in Brooklyn with a roommate. Tracey lives in Manhattan with a roommate.
Tracey complained about her lack of autonomy and job security.  Tracey, like many people, feels that she is underpaid for the lifestyle that she wants to live. I mentioned several times in this blog how totally uncool I am. I don’t hang out in trendy coffee shops and don’t spend long hours queuing to get into the hottest new restaurants. I don’t have a gym membership. Instead I take great pleasure in finding free and inexpensive things to do around the c…

Debt Free Journey

In the last few months,   I started 2 new jobs and bought a car. But let me start at the beginning.  In 2016, I made a resolution, along with the usual lose weight promises of years past, this year I had a plan of focusing on my financial future. Managing my debt. I asked myself what goals I wanted to accomplish in 2016 and developed a plan of how to accomplished those goals. I made a vision board and then I drew my own mind map. I was watching motivation videos on YouTube and TED talks. I would watch Suze Orman and Dave Ramsey and be inspired. I was on a goal of financial self-improvement.
I made it a goal to find a higher paying job with my company. I mastered the “tell me about yourself” question and practiced my response in the mirror. I was confident. And after multiply revisions to my resume, careful crafted cover letters and multiple interviews, my hard work paid off. I got a job. Yeah me! Three years after graduate school, I finally got a job in my field.  With new job came …

I'm Back, Again!

Yesterday I met up with my friend Dominique for lunch. We laughed and gossip and ruined our diets. We went to the new Michael’s on Atlantic Avenue
 and wondered about downtown Brooklyn shopping at Loft and Housing Works on Montague Street.
Eventually the conversation turned to our dreams.  For as long as I could remember, Dominique has always wanted to start her own business. 
She makes really great natural products such as lip balms, lotions and deodorants.   I was encouraging her to continue as a sort of side hustle as I felt she was giving up on her dreams. But there I realized that I had also given up on my dreams. It has been over a year since I last blogged and that wasn’t my intention.  My dream was to buy a home and blog about that experience but somewhere along the way I got discouraged and stopped looking. I stopped attending open houses or even searching properties on Streeteasy and Zillow. 



 And so as I got home later that evening I started thinking more about the things …

Help, I Hate My Job!

I know I haven’t posted here in a while but I’ve been so busy.Life has been good to me so I don’t have too many complaints. Which makes it even more difficult to type the following words, I hate my job. I don’t want to come off as an entitled brat as I know that there are many out there struggling to find work and to put food on the table. I have been lucky that I have been paid reasonable well for what I do. However I feel that I have outgrown my current position and I’m just feeling anxious to advance in a career. Unfortunately there isn’t much growth with my current company. Within the last few months, I have mailed, faxed so many resumes that I’m physically exhausted.Why I am telling you all this? I guess this is my way of saying that my priorities have shifted. While I still want to purchase a home, I’m more focused on finding a better job. I attended two open houses about two weeks ago and sadly there wasn’t much about either property that I liked. Both properties were listed as…

Down But Not Out

I know it's been a while since I posted last, but the last few months have been so crazy. Lets just say that buying property hasn't been my top priority. I bought a used car (more out of necessity to help with work) I have also been searching for higher paying positions  and have sent out quiet a few resumes and cover letters. I just wanted to be in the best financial situation possible before buying my first home.I haven't been to a open house in over two months and instead I have been focused on saving more money for a down-payment. I mentioned several post ago that the real estate market here in Brooklyn has become so competitive especially with the low inventory, coop boards are now looking for cash buyers or someone who can put more than twenty percent down payment. I have always been frugal with money but in the last months I have decided to become more so. It doesn't appear that I will purchase that first apartment this year and that is quiet disappointing to wr…