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Single Female Buys Home

Over the last several years, I have attended a ton of open houses and house tours here in Brooklyn. I have noticed that a lot of the potential homebuyers are single and female like myself. Because this homebuying process has been so competitive I have never really surveyed the competition to find out why they chose to buy a home alone. For me, I have always wanted to own something whether I was married or single. I have always had a strong desire to decorate my own home, just how I want without the approval from a parent, a roommate or a landlord. I have also been curious about female homebuying struggles such as dealing with mortgage approval, real estate agents, coop boards or just searching for a property in general.
Female homebuying is not an anomaly. However, at these open houses I’m still met with these “poor dear” looks from real estate agents. Especially among male real-estate agents. I have found real estate agents as a whole to be rather aggressive. Granted they do work off…
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I Got Pre-Approved!

So, I guess I’m really doing this now. After hemming and hawing for the last few months, I’m finally ready to begin the mortgage/home search. And what better way to start than getting pre-approved.  Last week, I spoke to a mortgage consultant and after submitting W2, pay stubs, banks statements, etc, I got pre-approved for a mortgage. The mortgage approval amount is pretty much what I expected if not too aggressive for my liking. I’d liked to find a lower priced property than the pre-approval amount.  Also, I’m not opposed to buying a property that needs a little work, I’m just not into doing any major renovation work.  I’m moving cautiously but the bottom line is, I’m once again looking at properties.  I’m really excited. I feel more comfortable, confident this time around. I'm a lot calmer. Maybe because I've been through this process before. I know what I want. I know what I need. I know where I want to be. I'm not intimidated by cost or pushy realtors. 
You, dear read…

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…

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. 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 spending 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 city. Whether i…

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 …