You may have been waiting for a February loan repayment update. There will probably be no update worth seeing for a little while, and that’s because Mr. DebtFreeJD and I have a sudden need to stockpile cash for another project for the next few months.
That project is a house.
The sudden need?
I realize it is not technically necessary to have a house in order to deliver a baby, but several factors are pushing us in that direction, including:
- We live under three graduate students, who occasionally have loud parties.
- We live over three medical residents, who (I assume) have strong feelings about getting enough sleep.
- Unclear whether moving near the end of pregnancy is better than moving with an infant, but we are hoping that it’s easier when baby is inside me rather than outside. Also, in the former scenario, I don’t plan to lift so much as a pinkie to help move us, so obviously there are benefits to me. And Mr. DebtFreeJD is a trooper.*
- Our landlord just raised our rent by $200/month. Again.
It’s really that last one that’s the kicker. Kicking us right out the door.
Despite our best efforts, we so far have been spectacularly unsuccessful in home buying. Failures include entering into a contract to buy a house that fell apart over the inspection results, and being outbid on another house that sold within 72 hours of being put on the market. Optimism, however, blooms eternal around here, and we are hoping that we can purchase, close, and move into a house before Baby DebtFreeJD arrives in about four months. To do that, however, we’ll need the money that we were previously throwing at law school loans, especially since we are not buying a fixer-upper while I can’t bend over to tie my shoe laces without some gymnastics.
Therefore, Project DebtFreeJD is on hold until Project Buy A House to Put A Baby In is complete. Don’t worry, posting will continue, although it may take a slightly different direction for a bit, like how to save money on maternity clothes? (hint: buy as few as you can); signs of a bad real estate agent (we are now very experienced); and is it bad parenting if you resist buying anything for forthcoming baby until the last possible moment (hope not!).
*Before you feel too sorry for him, we will hire movers. Plus, even though we say I’m not going to so much as open a box, we also know that’s not true. Who else will alphabetize my books?