Keep looking, expanding your search to price range that fits your current financial situation. It's a beautiful home, but not worth going broke over.
If I can get a mortgage on it, it will be my home! It will take every last penny I have, but it will be mine and it will be amazing.
Continue to look around but keep this one on the back burner as you go through all your finances, income, expenses to see if you can make it work without too much of a future financial burden. Confirm that new raise is coming, taking on extra hours of work, start a side hustle to make the decision more affordable.
Life is way too short to deny yourself of the simple and grand pleasures that this world has to offer! You're often a bit carefree with your money in the pursuit of happiness, and you know full well that one day that may catch up with you. I do wholeheartedly believe that we need to treat ourselves and find joy with the money we work hard for. But just remember, there should be a balance between immediate satisfaction and delayed gratification. That delayed gratification is your retirement, your financial future, your children's college education or retirement property on a lake with a boat! You don't want to find yourself in debt that you can't recover from or continually stress about money until the end of time. Try to find that balance and create healthy habits around your money so you can continue to live the way you want to but simultaneously set yourself up for a bright financial future. Check out my blog post focused on my top 5 ways to create healthy money habits!
You are a Master of your Money!!!You know how much money you need to pay your bills on time, you have a plan for both your short and long term financial goals. You also have money set aside for fun, adventure and travel when the time arises so you don't feel stressed or strapped for cash. You wouldn't call yourself either a Saver or a Spender. You are simply, a financial boss. You always way up your options, have a plan for unexpected expenses that might arise and make well informed financial decisions. You are enjoying your money today but also recognize the benefit of saving for your tomorrow.Congratulations! Keep up the good work. You are doing great things and should be proud of yourself - your future self certainly is!
Why would I spend...when I can save and watch my money grow?? You've got your mind on your money (and your money on your mind). You've got a frugal mindset and your financial instincts are sharp: You know where every dollar goes and why, and you're making steady progress toward your long-term goals, even if it means sacrifices along the way. You weigh your options and spend where you feel necessary but it doesn't come naturally to you. You have to consider all the different scenarios and impact on your savings account before you're willing to swipe your card. For some savers, keeping an eye on every dollar can be all consuming. While saving and knowing what you want is fantastic, it is important to try to maintain a balance between enjoying life in the moment and saving for your future. Make sure you also find joy in the experiences and things money can afford you as well!