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Do you own your own

I rent.. I pay around $388 for a one bedroom. It's only so cheap because they're special buildings for students only. But I love having so much space, it's great.
I would like to own something one day, when my economy is stable and when I have found my better half whom I can settle down with. But my whole family have always rented, so it's not common in my family to own at all, actually.
 
If everything works out I will own a home by the end of the year.
 
We own our home, we've had it the one we are in now for about 18 years. Our total payment is about 2500 a month including taxes and mortgage payments. About 1250 each. It's a bargain, 3200 sq. ft on over an acre of land, totally private with no neighbors nearby to deal with. I will never not own the place I live in ever again.
 
Own, which we're more or less happy with. My partner has wanderlust, though, and wants to move.

Lex
 
In the future sure; but at the moment I'm too young to settle in one home for possibly the rest of my life. I want to move around a bit.
 
For the past 17 years, I've lived 3 blocks from the beach in a great area of San Diego. It's a 1-br rental for $1,000 per month. I could no way buy anything in this area for twice that amount, and don't want to move inland where it's so much hotter in the summer. I'd have to put iron bars on the windows in any of the neighborhoods that I could afford to pay a mortgage. It's not worth it to me being I'm totally hooked up where I am.
 
Currently renting. Paying a fortune to live in a tiny place and sharing with the worst housemate ever. I'll be out of here soon but I'll need to keep renting for a long time, hopefully alone or with people whose company I enjoy in the future!
 
RoadBike said:
For the past 17 years, I've lived 3 blocks from the beach in a great area of San Diego. It's a 1-br rental for $1,000 per month. I could no way buy anything in this area for twice that amount, and don't want to move inland where it's so much hotter in the summer. I'd have to put iron bars on the windows in any of the neighborhoods that I could afford to pay a mortgage. It's not worth it to me being I'm totally hooked up where I am.
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Even if you could find something you could afford, it sounds like you wouldn't be as happy anywhere else. This is your home.

In many cities, since the values of real estate has dropped so much, mortgages (assuming a person could get one) could easily be half the cost of rent. Real estate prices have dropped, rent has not.

As much as we hear to the contrary, home ownership is not for everyone, in my opinion. But if you can afford it and you can maintain it, it's great.
 
I rent ($310 per week).

I want to save up my dosh, and hopefully buy a nice plot of land in a decent area that gets enough rain. Would prefer something in the range of 10-50 hectares of land, enough to give me plenty of roaming space, some bushland and enough area to be self-sustainable (save for some electricity).

Right now there are some great land blocks around the 35 hectare range that have plenty of open space, as well as creeks, rainforest sections and stunning views. Build a nice artistic pre-fab designed house (reinforced concrete, cheap, quick, modern and good insulation properties) rainwater, gardens, homegrown poultry, log fire :p
 
Vannie said:
Me and my honey own a moderately sized 2 bedroom 2 bath townhouse.We love it but our real dream is having an old farm house with a bit of land.Maybe in Pa. or N.Y. state somewhere.

Green acres is the place for me. / Farm livin' is the life for me. / Land spreadin' out
so far and wide / Keep Manhattan, just give me that countryside........:luv2:
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I can see you climbing the telephone poll to answer the phone with your banjo on your back.
 
sixthson said:
Is that typical of rents in Sydney? What would you expect to pay for a mortgage for a place you describe?
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That is for a 2 bedroom unit styled apartment 55km from the city itself. That is still cheap to a certain extent.

I would never purchase one of the units I am living in, but they retail for approx 290-380k because nobody wants to buy them.

The housing market is supposed to decline a bit soon, but it is between 300-500 k for a small house.

a mortgage can be cheaper than rent in many places here, but its touch and go in Sydney to be honest, it is why it is one of the most expensive places to live. My friend purchased a 1 bedroom apartment 20km from the city (but 5km from the beach) which was run down for 410k. He renovated it himself and it was recently valued at est 640k (FOR A ONE BEDDER!).
 
I've only owned one house, and it's the one we're still living in, bought in 1985, when I was 35. It was built in 1920, and is in a Historic District. We LOVE it! They truly don't build them like this anymore.

However, we can't simply renew or replace, we have to "Restore". That can be a little pricey, but totally worth it!

It is more than a house, it is our HOME, and shall remain so long into the foreseeable future.

There is one thing about Owning, though. No matter where you're sitting to relax, you're always looking at something you should be doing instead! #-o :lol:
 
I've owned and was lucky enough to sell before the bottom dropped-out.

Dad and I sat down and crunched numbers and he would have been better-off after 25 years had he put the difference between renting and owning into some sort of modest investment vessel. My last apartment was about US$1,100 less than it would have cost to buy and pay all taxes. That doesn't include the $10,000 special assessment for roof and brick repairs.

To me, home ownership is a forced-savings instrument... and an anchor.

It's also far more out of reach than ever before. 50 years ago, a single-income family could afford a house and what-not. Now, dual-income, no-children families struggle with a mortgage.


So yeah, for me I'll be renting until I die.

G-Lexington said:
Own, which we're more or less happy with. My partner has wanderlust, though, and wants to move.

Lex
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That's my problem: I grow bored easily. I like moving every 2-3 years.
 
Looseliam, you are right. Home ownership is not for everyone as you found out. If you're single, renting and investing the difference is the way to go I think.

We own our home and paid it off just two months before it practically burned to the ground :(. Thanks to Allstate we were able to rebuild with all the latest technology and with the stuff we would have done.
 
I've been renting the same apt for about 13yrs and i"ve been here about 10yrs longer than anyone else. Its about 5min from my job and smack dab in the middle of town and has a security door so I get no "drop ins". If you coming over, you have to call first. My building is historic aka OLD, around early 1900's so it lacks some things I desire, aka better wiring so the cable/internet would be better and better insulation (smokers all around so I rarely open a window or my balcony door because there is no fresh air, lol) but again, more positives than negatives. I"m not a "hands on" person so owning a home has never been at the front of mind. I like not having a yard or having to fix things when they tear up. It all depends on your preferences I suppose. I have friends who live for having a yard or a garden etc, I dont even own a plant, lol, or a pet.
 
We started living together in our junior year of college and by the time we graduated we were sick of apartment life, even though our neighbor was this elderly Jewish lady who kept trying to mother us, which was nice since she made great chicken soup. After college we moved into the city and got a really nice 3 bedroom house in a great neighborhood that had a good balance of young couples with children and retired people. In the middle of the neighborhood was a park that had a music pit (think bandstand only dug into the ground) and on summer weekends, there were always amateur musicians playing. Sometimes we had a bonfire there. Also, we were one block away from a street that was loaded with shops and restaurants and a couple of movie theaters.
Our neighbors were this retired couple--she was a sweetheart and he was a pain in the ass. We never did anything good enough for him. He was one of those guys that not only cut his grass, but manicured it. It was almost like he vacuumed it. He was so anal about his property. He was always watching us from his windows, too. We ended up being good friends with them.

After 4 years in that house, we built the house we live in now. It was probably the most work I have ever done. Having to constantly oversee what was being done was exhausting. When they dug the hole in the ground for the basement, I was in the hole. When they put the slate on the roof, I went up on the roof. They stained the woodwork the wrong shade in one room and I made them redo it. The stone mason laid the stone in a fireplace in the wrong pattern, too. He was pissed when I made him start over. But it was worth is all. The first night we slept in the house was a chilly fall night and we had no furniture. We ate and made love and slept in front of the fireplace.
 
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