This summer I’m guest posting for YNAB which I previously waxed poetically about for 1,000 words over here. It’s a lot like Car Talk, but it’s just me talking about my budget and has nothing to do my cars. Maybe it has less in common with Car Talk than I thought. RIP Tom Magliozzi.
New Yorkers love three things above all else: pizza, bagels (not pizza bagels) and—most importantly—money. Lots and lots of money. See, in the city, all of us ride the same delayed trains to work every morning. It’s like the Subway has a conspiracy to make the have-nots feel bad about our shoes, handbags and watches by giving us ample time to compare ourselves with the haves.
Yeah, New York works pretty hard to convince us that we need to spend more money than we make (or at least every penny of it). The absurd cost of, well, everything is a recipe for financial ruin … unless you’ve got a budget. Spoiler alert: we do, and this is a peek into how we use it.
My husband, Danny, and I have lived in the city for the last eight years. In New York terms, that’s just two years short of making us “New Yorkers” (unless they changed the rule, I haven’t checked my guidebook recently). Accordingly, I assumed that owning a home—a lifelong dream of mine—would remain just a dream.
Still, in 2015, I couldn’t resist the urge to look around a little. I never assumed I’d get past dipping my toes into the waters of home ownership, but I just wanted to see. At open houses, I insisted that I was, “just looking.”
You can see where this is going. Looking turned into crunching numbers, making new categories in the budget, pre-approval for mortgages, dragging the huzz along to open houses, making offers, BIDDING WARS, worrying about passing co-op inspection and—finally—securing a one-bedroom, pre-war co-op in Brooklyn. It didn’t have a functioning kitchen, but I swear I heard angels sing.
Sound good? Full post over at YNAB! Everyone’s friendly neighborhood budgeting software.