[ SECRET POST #6344 ]

[case]

⌈ Secret Post #6344 ⌋

Warning: Some secrets are NOT worksafe and may contain SPOILERS.


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Notes:

Secrets Left to Post: 02 pages, 32 secrets from Secret Submission Post #907.
Secrets Not Posted: [ 0 - broken links ], [ 0 - not!secrets ], [ 0 - not!fandom ], [ 0 - too big ], [ 0 - repeat ].
Current Secret Submissions Post: here.
Suggestions, comments, and concerns should go here.

Comments

Rent or own?

[(Anonymous)]

Do you rent or own your housing? Or a mysterious third option?

Re: Rent or own?

[(Anonymous)]

I'm thinking of haunting.

Re: Rent or own?

[philstar22]

I live with my mother who owns the home.

Re: Rent or own?

[(Anonymous)]

Rent. I hate it. I have been kicked out of multiple rentals because the owner decided to sell and then I'm scrambling for new housing and the money to pay for movers. Its a racket. But I also can't afford to buy as a single income household because this stupid country bases everything on couples. /rant

Re: Rent or own?

[(Anonymous)]

Should have specified, but I'm in the USA.

Re: Rent or own?

[(Anonymous)]

I rent in public housing. 10 year old bulding in the center of my town. Not US. I'm happy.

Re: Rent or own?

[(Anonymous)]

Rent.

Owning a home where I live is fucking impossible.

Re: Rent or own?

[(Anonymous)]

Own. We lucked into it just before the 08 crash. It was supposed to be a starter home (kids, it used to be that a new couple would buy a starter home, which is supposed to be small, and once you started having kids and/or pets you would move into a larger home) and we've long outgrown it, but starter homes aren't a thing anymore, so we're stuck.

Re: Rent or own?

[(Anonymous)]

I've never understood that concept. If someone plans on having kids, why not buy a house with as much space as they need to begin with? I guess the answer is that they don't have enough money, but having kids is sure as hell not going to give them more. Plus it assumes that everyone is going to get married/have kids. I get that a lot of people do, but the whole starter house concept assumes that everyone will, and that's not true. And just...buying a house sounds like such a nightmare and if I were ever going to subject myself to all the stress and drama it involves, I'm staying there forever and never leaving. Maybe it's because I'm a millenial but it just seems so...old-fashioned/1950s/heteronormative and I just really don't understand the concept at all.

Re: Rent or own?

[(Anonymous)]

It definitely got it's start in 1950s americana. Starter homes were cheap and you could learn all the things you needed to know about running a house so that when you had advanced enough in your careers to afford it you were already on the property ladder, leading to an easier time getting the bigger house to go with the kids. This was back when middle class meant the salary for a large house, two cars, vacations every year, etc etc etc.

You don't need the kids for any of it. It also doesn't have to be heteronormative; we're both wives. We bought ours as training wheels for house ownership. It's small and doesn't take much upkeep, so we could afford to make some mistakes on it as we learned. Except the promises of our childhood turned out to be lies, and now we're stuck here. At least we aren't renting.

Not only is housing more expensive than inflation, but wage growth is less than inflation. So now the choices are renting forever, buying the starter house as a forever house, or inheriting.

Re: Rent or own?

[(Anonymous)]

Honestly, in my experience, people make the homebuying process into a nightmare by not paying attention to deadlines or to what the bank is asking for. The bank gives you a list on day one of the documents you need and when you need to have them by, and so many people either procrastinate, or decide they should be able to produce an entirely different set of documents instead, and then get anxious and mad when it turns out that no, they can't.

If you follow the instructions, then the process chugs along pretty smoothly.

Re: Rent or own?

[(Anonymous)]

Live with my parents who own their house

Re: Rent or own?

[(Anonymous)]

Rent

Re: Rent or own?

[(Anonymous)]

Own. We used to move frequently so always rented before. We were in our 40s before buying a house so it was pretty simple and we’d had a long time to save up a nice down payment.

Re: Rent or own?

[(Anonymous)]

Live with my parents and pay rent.

Re: Rent or own?

[(Anonymous)]

Rent. I live in Vancouver, make minimum wage, and stand to inherit nothing. I have some savings, but nowhere near enough to be able to buy a place.

I don't think I would even mind renting if I made twice as much money as I currently do. The problem is that if I get booted from my current place somehow, it's going to cost me at least $500/month more to rent somewhere else, and at that point, at my current income level, it's getting into "Can I make ends meet?" territory.

Re: Rent or own?

[greghousesgf]

rent. no point in my owning a house, I live alone and would have to do the maintenance myself or pay somebody big bucks to do it, in fact the only positive thing I could see about me owning a house is I could have lots of animals.

Re: Rent or own?

[(Anonymous)]

I live with a platonic housemate who owns. Locked in a mortgage at 1K/mo back in 2013, I wish all of you could go back in time to that year and not be screwed by whatever fuckery is going on right now.

Re: Rent or own?

[(Anonymous)]

Own. I and my ex ,lived in and did up three successive houses, doing the work with our own hands, learning from DIY manuals (this was long ago.) It was bloody hard work but got us on the ladder. When the divorce happened I had enough money to buy a little place of my own.

Re: Rent or own?

[(Anonymous)]

I'm currently staying with my parents until I know whether I'm going to have to move out of town for work or not. (I rented before and my lease ended right as I found out I might have to move, so it didn't make any sense to sign a new one.)

My parents "own" their house. I put that in quotes because these days unless you're rich, no one owns their home. The only difference is whether you're paying rent to a landlord or a bank, so I don't really see how it matters.

Honestly, once I get things figured out with my job and know whether or not I'm going to have to move or not, I can't fucking *wait* to get back to an apartment. My parents' neighbors are constantly sticking their nose into my business, wanting to have conversations when I'm leaving/in a hurry to get somewhere, and it's so goddamn annoying. I just want to get back to a place without stupid suburban white picket fence neighborhood social norms where you're expected to talk about private things with strangers just because they ask and it's "rude" to tell them it's none of their business. To have to waste time standing on the lawn listening to them talk about stupid shit I don't care about when there are much more important things to do, just because I happened to get home at the same time they were getting the mail and again, it's considered rude to just go inside. (The one time I politely said that I was waiting for a phone call and excused myself, they went crying to my mom about it and I had to hear about it for weeks.) I just want to live somewhere where people leave me the hell alone and let me live my life and mind their own fucking business.

Not to mention stupid shit like having to take your garbage out on a specific day because that's when the garbage truck comes (rather than a dumpster that is there all the time so I can take it out when it's convenient for me) and having to water plants and take care of the yard (which I have to do when my parents are travelling, which they frequently do, and it's not like I'm going to refuse).

(I realize this isn't technically about renting vs. owning so much as the specific type of housing because you can rent a house in a neighborhood that would probably have the same types of issues I hate, and own a condo that's more anonymous/private like I'd prefer, but just speaking generally.)

Re: Rent or own?

[(Anonymous)]

So...you're a...lazy, antisocial brat?

Re: Rent or own?

[(Anonymous)]

Paying and landlord and paying a bank create very different situations. I rent and I cant do anything to the house ornyarf without landlord approval, and any improvements or changes will only end up earning the landlord money by increasing the value of the house. If I owned I can have pets I want, paint the house if I want, add a shed, a garden, knock out a wall, update the appliances, etc etc etc. There is a vast difference between the two.

Re: Rent or own?

[(Anonymous)]

The only difference is whether you're paying rent to a landlord or a bank, so I don't really see how it matters.

Oof. I'll take "People who don't know how the world works" for $500, Alex.

Re: Rent or own?

[(Anonymous)]

Intrusive neighbors aren't the norm in my experience.

When you "pay rent" to a bank, you recoup a significant chunk of that money in equity; that's one very important difference. Especially with the way housing prices have been skyrocketing. Some friends of mine (who are much better off than me) bought a house seven or eight years ago, and if they sold now they would likely come out with, at minimum, 300K more than they paid. Even if we assume their mortgage/strata fees/etc. are coming out to a full 1K per month more than they would have been paying in rent, they'd still be coming out over 200K ahead, in just 7–8 years, and that's if they sold now, which they have no intention of doing. In another ten years they'll likely have well over a million dollars in equity thanks to their house.

Also, if you are in a situation where you are able to negotiate mortgage rates that are secure and are safely within your financial means, then you gain a level of housing security that renters won't ever have.

Re: Rent or own?

[(Anonymous)]

Own, but it's overrated (until you can pay off the house and just owe property tax, I guess.)

Our homeowners' insurance has doubled over the past three years, there's always something that needs doing that is expensive (fridge breaks, new A/C is $7k, time to paint and we have to do 12-ft ceilings and get the popcorn shit scraped off because if we want to sell people hate that.)

Renting is nice if you have a halfway decent landlord or management company.