California here I come...

...right back where I started from...





So, the kids and I will be moving to California when Hubby moves to Iraq in September. ;o)



I have had an offer to live in a friend's motor home in her RV parking at her house...my sister says we can live in her computer room which is open to the rest of the house...and I would be sleeping on a not so comfy futon. Both those options sound good to me, however. I just wanna spend the time with family and not think about drama or stress or sadness. I know I will be sad without my Hubby, but if I had to start life in Texas without him, I think I would be even more sad.



The BAH (housing allowance) will be good for us to save and help pay some bills. And maybe even save some towards buying our dream property. The property Hubby wants probably won't be available next September/October, but there will be something just as nice or nicer I am sure. And if we were meant to have that place, then it will be there waiting for us.





This is the one he really wants...










http://www.realestate.com/Property/18145012-10268-S-FM-1226-Hawley-TX-79525-11158377.aspx



http://www.realtor.com/realestateandhomes-detail/10268-S-Fm-1226_Hawley_TX_79525_1107207246




31.6 acres of property about 20 miles outside of Abilene, TX. We have orders to Dyess AFB, TX in October 2010. It is a 4 bedroom, 2 bath, 2,432 sq ft double wide modular home. It is actually a nice looking place on a bunch of land. It is fenced all the way around with lots of trees. All for only $129,900. I would think if we could talk them down to about $115,000-120,000 then we could get a loan for $150,000-$175,000 and then make some major improvements on the land and buy some much needed furniture. I am tossing the furniture we have before we move.




I think we could get a better loan amount if we take this next year to pay off the bills and save. We are planning on getting a VA loan, so we don't have to save a down payment. But it is based on credit score for the amount and wages vs debt amount for the interest rate. I would like to get as much as possible for the amount of the loan, with the lowest interest rate and then in 5 years or so when our credit is even better, we can refinance.



Hubby wants THIS property and he wants it ASAP. ;o) Poor guy. It is calling to him I guess. I am just thinking about the credit part of it and the monthly mortgage amount. I am also considering that I can't handle 30+ acres without him. What if there is a fire? What do I DO with all that space??




So, here is all the info and we need to make a decision for our future. This decides what school district our kids will grow up in. This is where we will be FOREVER. We will eventually build a nicer, bigger home on this land and many other things. This is it for us.





As a SSGT, he would get $1,073 a month for housing. As a TSGT (if he ends up passsing the test he took in February) he would get $1,205. In California, using my sister or friend's address, he would get $1,688 SSGT and $1,910 for TSGT. Hmmm...the decision should seem very clear and in focus. ::sigh:: (http://www.defensetravel.dod.mil/perdiem/bah.html)



And the more I look at it, the more I want it too. We just weren't very smart with our finances and credit score when we were single and also since we have been married. I am 31, he is 30 and we should be able to buy some land and a nice little house for the family. Is next year our year? Do we need to wait 5 more years till Rob's Mom can give us some money she says she will give us? Then when Rob retires from the AF will we be able to afford the mortgage? When will it be paid off? 30 years?



Maybe I am over thinking or over worrying about all this. But it seems that if I DON'T then no one else will or is even considering anything. Hmmm...



I just need one of these...