So I spoke to my mortgage broker, finally, and it’s as I thought: alone, I qualify for very little. But he gave me very good advice on how to spruce up my tax returns, and how to make myself look as a better candidate for a mortgage perspective.
The house plans are still on. The “how I’ll get there” plans are going to likely change, but right now, I’m learning the importance of keeping my options open. There’s a lot to be done here, there’s a lot of work to do. But the good news is, the broker told me, “Keep doing what you’re doing; you have a great and responsible plan.”
That was encouraging. I’ll be honest, I don’t feel quite so responsible when it comes to my finances, because I have a very pervasive – obviously!!! – traveling habit that does tend to eat into my finances, more often than not. But then again, I’m looking at where I am in my student loans, where I am as far as debt payoff, and I realize: I am doing miles better than I think. Even if it means depriving myself of a few things, I more often than not get to my goals. I finally opened my first IRA, which I’m pretty confident I won’t be able to fund fully within the calendar year, but is still a hell of a lot better than having no IRA at all. I may qualify soon for my company’s 401K plan. Also not much, but also very good. And these are all pretty fantastic benchmarks, because not for nothing, but how many people in their twenties are in the position of contributing something to their IRAs?
No matter how broke I’m living now, no matter how little it seems I have insofar as cash-on-hand, I am doing really, really well in ensuring my financial future.
And that? Is good news.