Well...almost. Sort of. I made an appointment at my bank yesterday to go over my investments and whatnot with my account manager, who's a lovely lady. I made a small downward adjustment to my auto-deposit to my TFSA (EFund), inquired about laddering within my RRSP - she said it was a good idea, but not right now with the really low GIC rates, so stick with the mutual funds for the moment - and wanted her opinion on the chances of me getting a mortgage.
By myself. Alone. Solo.
Apparently, the chances are excellent. 100% to be exact. Now, I did post this over at Facebook yesterday and need to amend that a little bit. I had said "I can afford" a house. Not quite. I QUALIFY for a mortgage, which is entirely different. It's not a substantial one ($160K), but it's still a significant amount of money for one person to tackle. What would that get me here? Currently: a small one-bedroom condo or a comfortable 3-bedroom mobile. The mobile is perfect for one person, but most of the mobile homes here cost extra: up to $350 a month extra. That's the pad fee rent, which to me is kind of ridiculous, but there you are. I'm not sure I want to pay for the "privilege" of -technically - being able to pick up my house and move whenever I like. Most of the mobile homes these days aren't mobile. But the potential is there and that's what they're charging for.
Anyhoo, I'm just keeping my eyes peeled for something that looks worthy of attention although I've already started dreaming and wishing! I might even call up an agent. They are paid to help, but don't get any cash until you actually BUY something, so that's a bit of a bonus. Information is power, after all, and the more information I can get, the better decisions I can make when I'm finally ready.
Then of course there are all the maintenance costs, taxes, utilities, etc., to take into consideration, which would be challenging on a part-time salary, no matter how decent the wage happens to be. As it happened, however, that morning I had stopped at Cdn Tire to drop off a resume. They must be desperate for staff because I hadn't even had a chance to finish filling out the application form I was given before I was taken Upstairs for a chat. Ten minutes later, I was back in the parking lot with a new job (you can tell, although they said they would confirm by the end of the day), so things are looking up.
I spent $63 on a pair of black pants today, which I need as part of the Cdn Tire uniform (they supply the lovely red shirts) and have already put in a number which I think I should be able to earn every month. I need to use this money properly - to pay down my debt - and start saving for "house" stuff, whatever they may be; closing costs, legal fees, furniture, maintenance, etc. I start tomorrow with a few hours training and if I give myself a year, I should be well on the way to meeting my savings goals and, hopefully, a home of my own.