It is only the third month of my mortgage repayment plan. If things go really well(like my house is rented consistently for the next 4 years)I can have my mortgage paid off in just under 4 years. If things don't go quite as well, I think I can have it paid off in 5 years and 4 months. Sometimes I have to admit that I am tempted to scrap the plan and try to get a construction loan. The state of the loan industry and the high cost of building keeps me from jumping the gun.
I have to remind myself that most of the problems that I encounter out here will not be solved just because I build a house. True, the structure will be new but things still happen. In the last couple of weeks I have had an appliance die, bees try to nest in my wall, and a nasty smell wafting up from the heater vents(pack rats plus warm weather=stinky!) Those things can happen in a new house too. Then, not only will I have repairs on 2 houses but 2 mortgages too. No, I need to be a little more patient.
The things that make living out here special can be enjoyed without a real house. The sunsets are beautiful. The view is spectacular. The wildlife is enchanting(I haven't seen any rattlers or scorpions yet this year!) Yesterday I saw 3 deer trot across my property. I don't need a house to appreciate that.
It can be tricky to stay motivated. I find that writing down my goals and the reasons that I have for wanting to achieve those things really helps. Everytime I look at them it gives me some new energy to work towards them.
Oh yes, I love lists. Sometimes I question my priorities though. It's that whole saving-versus-living balance that gets out of whack. Somedays I think I am being too frugal and not living enough.
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