First, congratulations on buying a home! I notice you said that it’s a small house, but perfect for you. You didn’t say it’s perfect for an eventual bunch of toddlers, or perfect for you and six rescue Labradors, or perfect for the parade of houseguests throughout the year for all the entertaining HGTV insists you’re going to do.
You say it’s perfect for you. You also mention that previous living situations with roommates have not exactly been peachy.
So why consider one now? You bought this house for you — without an explicit plan to take on a roommate or three so you could afford it more comfortably. It sounds like you’re feeling just a hint of buyer’s remorse. I’m not saying you regret the choice, but you might be feeling a nagging sense of “Should I have thought of a better backup plan?”
If you don’t love the idea of having roommates, you need to make sure you are your own backup plan. Shore up your savings account so you can comfortably pay that mortgage bill if you find yourself out of work for any length of time. Then put more money into your retirement savings so you have peace of mind down the road, long after the house has been paid off.
If you plan to stay in your house for many years to come (say, the length of your mortgage), don’t feel pressured to rush through the mortgage payment process. You’re allowed to go at a normal pace while making sure your finances are well-rounded for your long-term comfort.
Have a tricky money question? Write to Dear Penny at https://www.thepennyhoarder.com/dear-penny/
Lisa Rowan is a personal finance expert and senior writer at The Penny Hoarder, and the voice behind Dear Penny. For more practical money tips, visit www.thepennyhoarder.com.
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This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017.
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