You know what? Screw 'em. Do what makes you happy.
I had all the same fears. I’m single. I bought a house last year and don’t regret it for a second.
If you’re interested in the idea because you think it makes good financial sense to you, then why not try renting a house instead of an apartment? You get the feel for what to do when things break and possibly have to do the maintenance or yard work yourself. If all that still doesn’t appeal to you, consider buying a condo. Or buy something as an investment property, rent it out to other people and stay in your apartment, fear free, and let your money work for you.
You can pay people to fix stuff – you do not have to be handy to be a homeowner. Think of all the idiots and morons you know who can barely tie their own shoes… Do they own houses? I bet some of them do. All you need to know how to do is let your fingers do the walking and dial the phone. I’m a weak and pathetic, smallish, girl, fer Chrissake, and I don’t worry about the sink getting clogged. (I usually fixed the toilets in apartments I rented anyway because it was usually simple enough that even I could figure it out.)
I hate moving too, so I sympathize. But that’s no good reason for pissing your rent money away when you can instead own real estate that will increase in value. I recommend educating yourself to allay your fears rather than taking an ignorant stance and sticking to it out of stubbornness rather than any real educated logic. Let’s look at some facts, real quick, okay?
A) You can probably afford more than you think. Generally, a mortgage payment is less than rent for the same size dwelling. Go to a bank and ask what you can afford. Usually, for free, you can be pre-qualified which would give you an idea if you should bother looking or not. (Pre-approved usually has a fee attached and is a little bit more of a commitment than you want right now. Sort of like going steady whereas the pre-qualification is more like a one night’s stand.)
B) You don’t have to get a “starter” home. Do you really hate the homes with that label in your market, or do you just hate the idea? Why don’t you actually look into this before deciding you hate it? Personally, I hate the term. I made a list of stuff I wanted and found a house that had most of the things on that list.
C) Moving sucks. Pay someone else to do it.
D) Mortgage debt is good debt. It’s not unsecured, bad debt. Big difference.
E) Responsibility is not the worst thing that could happen to you. How much more responsible do you think you need to be? You’re responsible enough to write a rent check once a month. You can’t just write a lesser-amount check to a different entity once a month? And that’s additional responsibility because…?
F) You won’t get a lemon house. That’s what contracts and inspections are for.
Again, your fear is due to ignorance. You should do some reading on the internet about the process and what’s available in your area at what prices and think it over. If you still have fear… then I’ll be more sympathetic in my next post.