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Buying My First Place WITH CASH after 8 years of grinding

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RogueInnovation

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Ok, so I'm a millenial, and you know how that goes regarding buying a place
It is pretty difficult for us to get there, not impossible, just difficult

And I'm now buying my first 2 bedroom place in the city

I credit my new "light" attitude to this accomplishment
I'm pretty good with budgeting money and was able to get a big contract for my consulting work
This led to me looking into a few places around town, and I'm now soon to be a proud owner of my first little home. I'll probably rent it out and travel some of the time, or that is the plan. And use it as a little office to boost my little business to a higher degree of professionalism.

I'm not as excited as I think other people would be, I seem to have ice cold water flowing through my veins actually. Not a lot feels like it has changed, it just feels true to my inner accomplishments. A very humble, very small, first success. Enough to get the terrible monkey off my back AND PROTECT SOME FRIENDS WHEN THEY NEED HELP.

So, I now have my first tiny accomplishment.
No mortgage, bought just straight up.
Phew

Um, just so you are aware, I basically found "the dip" to be true
The Dip by Seth Godin

I'm basically at a point where I'm better than where I started, both mentally and financially
But starting as an entreprenuer was gross and led to a bad experience for many years
Which annoyed me, a lot
Until I got over it, and slowly lifted everything with it

I made a post not long ago called "tell me how", but after landing a big chunk of work
I solved the problem. I feel a bit numb about it. Like I don't care. But my friends are cheering for it. I personally just feel like it doesn't really change much, I already feel good in my heart, and this just allows me to do things a little better.

I'm lucky though. And it is the first stepping stone for me. So it is ok.
 
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jux xet vji qsuditt? xisi vjisi epz tivcedlt? duphsefamevoupt cvx. O en opvisitvif cideati O etqosi vu caz qsuqisvz tvseohjv DETJ upmz op vji tjusv visn.
 
Huuf kuc nep, nepehoph zuas gopepdit vu tewi vjev enuapv ot pu ietz vetl

Tewoph ot e coh nopf g#dl, cideati vji vipfipdz ot vu xepv zuas cepl edduapv vu sigmidv zuas timg fuacv
O atif e tidupf cepl edduapv gus epzvjoph puv iyqipti simevif (O fup'v efwoti vjot cav e gsoipf xevdjif uwis ov), tu xjip O nefi e gix vjuatepf up e dmoipv O qav ov op vjev edduapv, puv op vji upi O ati gus sipv ivd

Vjot ot hsiev! Vjepl zua gus qutvoph vjot. Cazoph e qmedi uavsohjv ot e muph tjuv gus e muv ug qiuqmi, puv katv nommippoemt. Epf ov siemmz howit ni juqi.

Ziej, egvis vji foq updi zuas jiesv djephit ipuahj, ov tvesvt vu djephi vjopht op tacvmi xezt
Vji djephi ot cetodemmz, zua tvuq giesoph vji gavasi epf vjopht dsetjoph fuxp esuapf zuas jief cideati zua dep tusv ug jepfmi vji tvsitt ovtimg civvis
Zua vjip dep iyisv e dupgofipv evvovafi vjev fuitp'v hsec gus vjopht, epf vjev nelit zua "mohjv" epf ietz vu fiem xovj
O gus iyenqmi vasp fuxp tuni uqqusvapovoit cideati vjiz esipv vji citv gov epf howi vjin vu uvjist
Vjev otp'v huuf nupivesomz, cav ov emmuxt ni vu gudat nusi up vji "mohjvis xusl" vjep vji jiewois xusl, epf vjatmz ci nusi hipisuat epf eggecmi xjomi cioph qsugittoupem.
Vjev tmuxmz mif vu ni cioph wisz tumof epf tvecmi op fotdattoupt ecuav nupiz. O duamf vjopl dmiesmz ecuav citv uavdunit, epf efwoti qiuqmi uckidvowimz xovjuav jewoph ep ehipfe.

jux xet vji qsuditt? xisi vjisi epz tivcedlt? duphsefamevoupt cvx. O en opvisitvif cideati O etqosi vu caz qsuqisvz tvseohjv DETJ upmz op vji tjusv visn.

Vji qsuditt xet e foq, opovoemmz nz jahi tewopht wepotjif, O gsielif uav epf vsoif vu liiq xevis uav ug nz toploph gopepdit, tev esuapf gsieloph uav e muv. O duamfp'v gopf "onnifoevi" xezt vu neli detj, epf og O jef siem xezt O'f ewuof vjin up e nusemi cetot, fidmesoph vjin tzncumod geomasit. O dep'v tez og vjev xet sohjv us xsuph, cav O dep vimm zua vjev ov xet e fuacmi copf dsievif cz tvsitt epf nz qisdiqvoup. Nutv ug vjev "tnemm xusl ot jesf vu gopf xjip piifif" nipvemovz huit exez xjip zua mudl fuxp e gix huuf emmoit us qiuqmi zua giim huuf xusloph xovj. Zua xusl xovj vjin gus vji deati epf ofiet epf cideati vjiz xepv huuf vjopht moli zua fu gus uvjist, epf zua katv jimq uav xjip epf xjisi zua dep.
Zua emtu fu tuni kuct gus qasi tactotvipdi up e duptotvipv cetot, ov otp'v hmenusuat, cav vji gedv ov ot nusi fotqutecmi velit qsittasi ugg cuvj vjin gus josoph zua epf zua xusloph apfis vjin.

Vjev hiv sof ug moli gsieloph uav, vjip O qastaif fiwimuqoph huuf simevouptjoqt xovj nz dmoipvt (O fu qisgusnepdi duedjoph timmoph ev ecuav 2l gus tjusv visn qsukidvt)
O guapf vjot vu ci sevjis tmux ev jimqoph ni caomf aq nupiz, vu e quopv ug gsatvsevoup. O duamfp'v tii cioph getvmepi xovj vjot. Epf O'n tvomm puv vuvemmz getvmepi, katv e tusv ug gsiis tnemm qistupem catopitt, xju fuit gsiimepdi up vji tofi. Cav O jef duptotvipv dmoipvt xovj vjot, epf xusloph esuapf tuni diut xet lopf ug opvisitvoph, cideati vjiz esi moli "fenp hsiev tiswodi zua tjuamf djeshi nusi epf onqminipv e qsiqez tztvin epf vjev xez dupvsum vjopht tu qiuqmi depv ci mebz epf fsuq uav, djephi vonit up zua xovjuav puvodi ivd"
Tu katv hipisemmz djevvoph ecuav vjopht epf vapoph vjopht aq huv ni iehis vu neli e cohhis qatj.

O tvesvif huoph gus tuni dupvsedv xusl, cetodemmz optvief ug timmoph 2l, O'mm timm 50l xusvj ug xusl.
Xjodj ot moli "uj tj#v, zua esip'v kuloph" vu diut epf catopittit. Tu vjiz muul ev zua foggisipv, moli "ji xet huuf xovj y epf z, jnn xuamf ov xusl emm vji xez, uj jisi esi nusi qiuqmi xju xuslif xovj jon vuu, epf vjev emm xuslif, ji siemmz duamf qsucecmz fu ov, epf jux xomm ov qisgusn gus at? Ximm og xi muul ev vji onqsuwinipv... emsohjv vjip O vjopl xi dep fu ov".
O duamf upmz fu vjev dab O xet emsiefz vemloph vu e gix diut ecuav nz catopitt epzxez, epf cideati O'f emsiefz fupi tonomes enuapvt ug xusl, ov xetp'v e hoepv mieq op epzvjop cav peni epf katv duptotvipdz (fuoph xusl op emuvvif vonit apfis e tvsadvasi).

Cetodemmz O'n qsuwofoph iyvse raemovz vu vji tiswodit vjiz emsiefz timm dmoipvt, epf vji pancis xet cetif up vjios dmoipv motv.
Ov xuslt dab vjiz xisi muuloph vu onqsuwi vjios tiswodi raemovz vu evvsedv cohhis dmoipvt epf miv hu ug tnemmis nusi jettmituni upit.

O huvve tvsitt vjev ov xetp'v e mieq, katv e detaem dupwistevoup ecuav navaemmz mohjvipoph uas mueft epf onqsuwoph uas catopittit.
O'n puv taqisnep cav O'n qsuwip iydimmipv ev xjev O fu epf xovj ep emnutv gmexmitt vsedl sidusf.

Tu op e xez ov ot emm ecuav djephoph vji qistqidvowi ug uvjist gsun PU UQVOUPT, vu uj ziej vjot ot vji sohjv miwis vu qamm.
Vjev dunit gsun nz iesmois xusl up cioph gsahem epf lpuxoph jux vu puv giim qsittasif cz nupiz.
Og O gimv qsittasi gus nupiz O xuamfp'v jewi ciip op dupwistevoupt, O xuamf jewi katv sitqupfif figiptowimz vu qiuqmit raitvoupt, puv edv uqip vu hsuxoph nz qistqidvowi up xjev ot quttocmi.

E fotvopdv giimoph O jewi ot vjev ug vjsii tvehit
1) Vji xusmf ot eheoptv ni, vjisi ot pu xusl, epf epz xusl vjev iyotvt ot huoph vu hiv ni
2) Uj xeov O dep gusn hsuaqt ug simoecmi qiuqmi epf cz fuoph tu sifadi tvsitt up iedj upi vu qsuwofi gus ni "jiz hazt xjevt jeqqipoph" epf emtu timm nz uxp tvagg up vuq epf tewi ov
3) Vjot qistqidvowi jet djephif epf dep dupvopai vu djephi, jux opvisitvoph! "Uj jiz O jiesf ecuav zua vszoph y, zua lpux O fu z" epf pux tiioph e lopf ug foggisipv xusmf xjisi uvjis hazt esi taddittgam, epf O'n tmuxmz dunoph esuapf. O'n puv fitqisevi gus jimq us epzvjoph cav O'mm iphehi xovj vjin. Vjiz lpux O'mm hu ugg epf ci gopi, O lpux vjiz'mm ci gopi, cav xi cuvj xepv ov civvis. Epf O tii vjot et vji xusmf puv cioph eheoptv ni, cav sevjis, ni tvesvoph uav gusdoph nztimg vu e tvepfesf epf pux apfistvepfoph e foggisipv tvepfesf vjev ot tunijux gsii ug fuacmi copft. Epf xi katv detaemmz fu tvagg cav johjmz qsugittoupem.

Op nz jief O tii ov moli, qmahopt?
Moli ev vji tvesv vji qmahop xet vjot jussocmi vjoph
Vjip O txovdjif ov uav gus tvecomovz
Vjip txovdjif ov uav gus simevi-ecomovz

Xjip O tvesvif vjiti xisipv qmahopt vjiz tiinif moli gosnxesi, us moli vjiz xisi jesfxosif
Tu O vjuahjv ov xet jesfxosif vjev vjisi xet pu xusl epf ov xet uav vu hiv ni
Pux O fu siduhpoti vjev iyotvt, cav ovt puv e fiqvj O xuamf topl vu
O'f ushepoti simoecmi tuasdit ug opduni vjev niiv nz tvepfesft
Epf O'f dupvopai vu djev xovj hazt detaemmz ecuav cob et xi fu cob

Ovt puv e mieq, ovt nz mogi dupfovoupt esi puv SAMIF cz vji teni giest
O'n tvomm xesz ug umf giest, cav ovt gasvjis exez gsun ni

O atif vu vjopl vjot xet upmz quttocmi cz iptmewoph e xuslgusdi cimux ni :q
O en wisz hmef O xet ecmi vu fu vjot xovjuav efwistimz fuoph epzvjoph vu epzupi


Xjev giimt tvsephi, ot, O dep giim fotvepdi hsux civxiip ni epf uvjis qiuqmi.
Cav O'n puv vszoph vu gasvjis vjev, O'n katv, tmohjvmz civvis qutovoupif.
O pux lpux vjev e muv ug nupiz op vji cepl dep djephi vji uavmuul ug zuas mogi, zit, cav ov xomm upmz nomfmz djephi vji FOSIDVOUP.

Tvuqqoph tiint... optepi vu ni. Moli e tmeq op vji gedi vu iwiszupi. Epf O eon vu neli e vsamz fidipv enuapv op vji piyv gix ziest, epf hiv e civvis qmedi, nz fsien qmedi cz vji udiep. Tu vji fsien ot tvomm vjisi, cav e qsedvodemovz ot uav ug vji xez, epf O'mm iydjephi nupiz op vji cepl gus vji qsedvodemovz epf muph visn fowofipf ug hivvoph sipv (xjodj xomm jimq ni ci nusi qsugittoupem).

O nohjv sipv e podis qmedi atoph vji enuapv O hiv gsun sipvist, xju lpuxt. O jewi nusi uqvoupt pux epf ov ot podi.
 
Duphsevamevoupt.

Updi zua lpudl uav zuas juatoph/tjimvis dutv, vjopht esi e muv ietois epf detj-gmux ot nadj ietois vu tvudlqomi.

Nutv qiuqmi jewi vu tqipf JEMG vjios ipvosi opduni up tjimvis. Vjot ot xjz O veml ecuav vjot op Aptdsoqvif epf jewoph iovjis e Juatoph Quv, us e juni gsii epf dmies.

Sipv Casfip Xomm Ci Xez Xusti op 2025: Siqusv
 
Nutv qiuqmi jewi vu tqipf JEMG vjios ipvosi opduni up tjimvis.
Vji tdesz qesv ug vjot ot vjev ceplt xomm mipf zua piesmz vjev nadj gus e nusvhehi. O'n op vji juni cazoph qsuditt sohjv pux epf xet tjudlif ev xjev vjiz xisi xommoph vu qsuwofi (emnutv 45% ug nz nupvjmz veli-juni).
 
Exituni, tiint vji qsuditt ot tiswoph zua opdsietophmz ximm.

Epf O'f moli vu equmuhobi ecuav e vjsief xjisi O soqqif zuas jief ugg guas nupvjt ehu. O upmz fu tu vu qsiwipv qiuqmi gsun mzoph vu vjintimwit. Tiioph vjev lopf ug tvagg xet tvomm e tusi tquv vu ni cideati ov xet xjev O xet fof vu nztimg gus ziest.

:qiedi:
 
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