This whole living at home thing is overrated. I've decided to get the RX7 i have back on the road and stafe the FD for now in the interest of a larger plan. I have no idea what i want to do with my life, but i ahve alot of computer skills so i hope to go that route eventually.



I dont want to go to school yet because i dont want that tie down yet. I've decided by this time next year i want to try and get my own house in Florida or at least south.



Those who own homes, what steps did you take to get it? I have no credit so obviously i need to fix that asap.

you should have 15% of home cost for a down, unless you find a 0 down offer which makes your payments very large (depending on cost of house) start establishing credit, any kind of credit. you however you need an established line of credit..and a good history. that at your point is going to be difficult. Try and find a first time home buyers offer, then check house repos you can usually get them cheaper because you assume the mortgage that exists on the home already...what that is is someone couldn't make payments or didn't pay the property tax.

those are just some things to look at.

im thinking of having my mom help me setup a budget where a certain amount of each paycheck is transfered to an account i cant touch, ie i cant spend, for a down payment.

thats a good idea. I will say that if your thinking of college do that first.

Worked my ass off for 5 years and got me a good woman.

You will need more than a few months credit history to finance a home.



Building credit is quite easy unless you lack discipline. Gas cards and low interest rate credit cards, or a credit union line of credit are good, most resonable credit offers will allow you to pay net in 30 days, the ones that don't are just as well left alone, buying a car however seems to be the easiest place to get it, and the most expensive.



The most important thing to remember is to ALWAYS live within your means, if you don't have it, don't spend it. There's nothing more irritating to me than someone who uses a credit, not debit, but credit card to get a burger and fries on thier lunch break, Is it that damn difficult to have cash for lunch, are you that far in the whole that you really have to finance that Big Mac?

YOU BE A SMARRRRTTT MAAANN.. I GOT ME A GOODD WOOOMMAANN TOOOOO !!

thats why i am trying to avoid credit cards. A gas card or BJ's card may be a good idea tho. Or hell a home depot card since all i get there is stuff i need that may cost 50.00.



I know in a year i wont have a home, but im hoping to have a shot. As for college, im not sure i even want to do it. Maybe a 6 month technical school or something.



I just want out and away. My own home, finished, mine. Maybe im in a phase but my apartment is above a garage and everything is so cluttered and unfinished. Isolated and lonely. I want a yard, a dog, a porch, eh.....

Damn straight! https://www.nopistons.com/forums/pub...#>/biggrin.png

i dont have a woman, so u two go to hell. https://www.nopistons.com/forums/pub...doublebird.gif