Quote From: poofersHi all,
Not sure where to post this. So here goes. My husband and I are both 36 soon to be 37. We have no children and also work regular jobs mon-fri and also perform magic shows on weekends.
I want us to buy a house before we turn 40 as I don't want to be paying a mortgage until we die. He keeps saying we cannot afford it, ( I know we can) in our own time, etc. He wants everything in black and white but won't go with me to get it and talkt to the person.
The only debt we have now is our car payment. I am tired of living in a 1 BR apartment with no storage left for anything and such and paying 850.00 for rent. I already have gone to realtors on my own and have done the research, but he never has gone with me. He says he doesn't have the time. What gives?
I am happy to an extent with this, but part of me wants more. I do love him more than anything, but I wish I knew what his problem was with this. He does have an anxiety disorder and is on medication so that is not a problem. I don't know if he is scared or what. Everytime we try and talk about it, we sorta get into an arguement. I would love some advice form anyone on how to resolve this, or get my husband to really tell me why he doesn't want to do this without coming across as ungrateful? He says he does, but I wonder....HELP!
Kelly
I can understand why you want to get started on a mortage - $850/mo to rent is quite alot to be paying when the money isn't an investment.
I am wondering if the marriage is healthy and happy, other than this issue of you wanting to buy a house and your husband not wanting to. I am just wondering that, because if he has some doubts about the future of your relationship, it may be possible he is putting off buying a home and the hassles that might create if y'all were not to stay married. I'm not trying to be negative, and have no idea if there is any truth to that idea - it just occurred to me as a possibility after reading your post.
How long have you been trying to persuade your husband about purchasing a home? I'm thinking there is really something more to why he doesn't want to - other than his concerns that y'all can't afford it - since, from what you say, he seems to get defensive when you try to talk about it. I'm not exactly sure how you can get him to tell you what his reason(s), other than finances, may be without seeming 'ungratefu' or bringing out his defensiveness. Maybe start a conversation just like that - "I'd like to talk about buying a house again. I am worried about bringing it up, because I don't want you to think I am not grateful for the life we already share. I am and I love you more than anything. It would mean so much to me if we could at least do some research together and find out if a mortgage would be a viable option for us. Is there something other than our finances that has you concerned about us buying a house? You can tell me whatever it is - I am ready with an open mind." You may have already used words like this - just giving you some ideas in case you haven't. The main thing will be to try to use words that won't cause him to be angry or defensive and let him know how much you care for him and that you have an open mind to listen to whatever he says. Also let him know you would like to have a paid for home by the time y'all reach retirement age (which I am guessing you want, by one of the things you said).
It sounds like y'all have been very responsible with your finances and credit - if all you have is a car payment (and of course regular utilities) and rent. If there isn't a large savings account to use for a down payment, there are options. My husband and I bought our home back in 95, using his veteran's status, to get a VA loan, so we had a minimal down payment. I believe FHA (Firsttime Homeowners Assoc, I think it stands for) works similarly.
Best wishes - I hope y'all are able to come to an agreement about this, one way or the other, that you will both be happy with. :) Roxy