It’s been almost 3 months since I moved, that is why I was unable to upload posts.
It has been 3 months and I still can’t believe that I managed to finally move from that old apartment, in which I’ve been living for almost 15 years (YEAH, I KNOW).
That was the first apartment I moved in after my first year in college (before that I was living in a dorm).
So much time in that place, and NEVER had the funds to move out, nor even fix the place. Always living paycheck to paycheck.
And now, with just one and a half year into the Dave Ramsey program and following the baby steps I was able to do something that has been in my mind for years.
I feel truly blessed and humble for this accomplishment, which it may not seem a lot to you, because moving from a rental apartment to another rental apartment is not a big deal.
But for me it is.
I was never able to get the money together for a deposit, let alone a first month in advance. This is the first time in my adult life that I have SAVINGS and that I am accountable for myself.
It is really nice the feeling that all that hard work, not spending on things I wanted and sticking to my budget is finally paying off, even in something small like this. But that for me, like I said, it feels HUGE.
So let me explain how all of this happened…
Last time I posted, my hardwood floors got wet and needed fixing.
Turned out, they pretty much dried on itself so after a couple of months they weren’t that bad and it was almost unnoticeable that something happened.
So I decided to take a leap of faith, in my budget, in myself and start looking for apartments.
I didn’t have the whole amount I needed to move, so I knew I was going to take a bite on my other sinking funds and, eventually on a small part of my baby emergency fund as well.
But I didn’t care. I was on board. I decided I could take it.
I was always afraid that if I move out and something bad happened to me, like , for example, being fired. In a new apartment, with a new owner and all that, I will be evicted and end up in the streets.
That is the main reason I haven’t move since college.
The person that I used to rent that old apartment to, was a pretty comprehensible young man and we were able to build trust over the years.
In fact, one time I was robbed , and I couldn’t pay my rent that month. He understood and let me pay him back in installments when I got the money.
But this time, it was different, I was sick and tired. I am already in debt and I know it will take me years to pay it. I was sick and tired of not being able to change a single thing in my life.
But I guess if I was brave enough, and totally decided to do whatever work I needed to do in order to survive, then I could move out knowing that if I got fired I would deliver pizzas or something but I will not get evicted.
I have this system now, that I know it works.
Also, I made the decision to start a moving out fund as soon as I move into the new apartment, because in 2 years, when the lease is due, I won’t be in the same position I was all these years with the old apartment.
So that was it.
I started looking for apartments, FOR REAL.
I found a way to get a collateral through a very good friend of mine.
It was kind of embarrassing for me to ask him , but I knew I was going to overcome many embarrassing moments like this in order to move out . I was committed to doing whatever it takes and to never stop trying.
Got that pre approved and started going to see places.
I ́ve seen HORRIBLE apartments, the real estate business in Argentina is such a rip off.
I started looking in mid August and by mid September I was moved out.
It was such a hard and frustrating experience, every day getting my hopes up going to see an apartment and then something would happen that prevent me to rent it, for example :
they won’t accept mascots, or the area wasn’t that nice, or it was too loud.
Also at that same time, prices were going up.
So I had to make a decision whether to pay a little more and be in a nice, lighted , studio apartment, or stay in my one bedroom, old and dark one but paying a tiny bit less.
I decided to go for it and if I had to pay a little more, so be it.
I was done with my old apartment and I was going to move out no matter what.
Finally I understood that feeling that everyone described to me: “when you see it, you know is the apartment for you”.
And that really is true.
The moment I entered a foot on my new apartment I KNEW I wanted it.
No need to look inside. Obviously I did, but when I enter and saw that massive balcony window door, that was it. I knew I would be so happy in there with Gerard (my cat).
And guess what?? WE ARE!!!
It is a blessing waking up there everyday, with the sunlight, the sound of BIRDS, in this chaotic city, I am hearing birds at my window every morning, and nothing else. That is priceless.
AND, I am 2 blocks away from the subway. How awesome is that???
Now, let’s talk numbers:
This apartment is only 1000ARS more expensive than my old one.
But I pay way less in taxes, since everything is electric in the new one, I only have one bill, and by now I became an expert at saving electricity.
Last month, my bill came down to half of what it normally would be.
So not only I live in the apartment I want and in the area I want (the neighborhood is B-E-A-U-T-I-F-U-L), but also I know I made a really good deal out of it.
Also, in my old apartment, rent was going to be up by 15% starting October, so I would end up paying even more than what I am paying now.
I know this new one is a studio apartment and the old one was a one bedroom, but the square feet are higher in my new one.
I ended up making a really, REALLY good deal with this,
And I have a balcony, which is something I always wanted.
Doing all of this on my own made me look at things quite different.
I listened to a podcast a few months ago and they said something like this:
“When you slay your first dragon, your second dragon becomes easier, because now you know the steps you need to take in order to do that.”
This apartment was my first dragon,
And I guess getting a second income and paying off my debt will be my second and third dragon.
It was a lot of struggle being able to move out,
I am still trying to get back on my feet after I took a huge bite of my sinking funds and savings.
It is hard, and it feels so frustrating sometimes. But I was exactly like that just right before I found the apartment. So I know what to expect. I will not be defeated by frustration and not being able to buy nice things, specially in this holiday season.
And even if I am, I will rise again and continue trying to slay that dragon.
Because, eventually, I will.
Thanks for reading.