Anticipating Change

This has been a rough summer. The paycheck has not lasted for the whole two weeks, as some of you deal with on a daily basis. I have not been in this situation for a while, and I suppose the realization of it made me lose my bearings for a bit.

Anyway, the housing market is slumping, and I pray that means people will start buying cars again! Car sales make up the difference between a 'get us by' check and a 'pay down debt' check. We are working on paying off all our debt before we buy a new home. We had intended to be in a new home come November, but we cancelled.

The thought lies that if we purchase a home, we would have to pay higher interest and be unable to pay down our current debt. If we wait a year or so, our credit will improve, and we will be able to purchase. But the way things look right now, I don't know if I want to own. Then again, I really like the feeling of knowing that if a wall gets damamged, I can pay for it in my own time. I can paint the walls multiple times and never feel like they must return to their former dull color.

So, I anticipate the change that this end of summer will bring. People stop moving and start buying cars again. We get our debt paid down, and move closer to home purchase. Along with that, I expect to sell our van, buy a minivan and cut our car payment by at least $50. The sooner we can pay things off and down, the better financing we will get when the time comes.

It is very hard renting a house with a fifth child on the way. The worldly thinking is that 5 is too many, so most folks wont rent to big families. My friends Misty and Mario had that problem when searching for a rental home. They found a good Christian man to rent from. He loves children.

Anyway, I know I've rambled here, but it's what's on my mind today.