I have never been a part of the "Credit Crowd". We have never had a credit card. Mars is the same way. If you don't have the money for something or can't save, barter or work out a payment plan - you don't need it. I realize now how weird that might be for some people to understand. That's how we were both raised.
Mars and I may not have much but our "house" is paid for, the trucks are paid for and we don't owe anyone anything. There is alot to be said for that kind of freedom. Not to be under the burden of a mortgage or owe thousands of dollars in credit card bills.
The problem that a person runs across when you have virtually no debt (other than the monthly bills) is that you have no credit. And you can't get credit unless you owe someone. So therein is the rub. Who would have thought that being debt free could be an issue all its own? We want to buy some land. We have no "credit". What to do?
All I can think of is to continue looking for owner finance type things and hope that eventually something will work out. I suppose I just get frustrated from time to time that we haven't found the right situation yet.
When it is ment to be I'm sure we will find the right "fit". Just a place to put the trailer on, some room for a good size garden, a little room for some chickens and some rabbits. Not a whole lot to ask for in my humble opinion.
Now that is our version of a little piece of heaven!
Scifi,
ReplyDeleteplease contact me at blkcwbyhat@aol.com ...got a few recipe's for you!!!
Dean in az
owner financed or lease to own is your best bet. credit, if you are not used to it and don't need it, is best off left alone. we've been down that road and it was hard to come out of it..now nothing but the monthly bills and a morgage. We're working on the morgage next.
ReplyDeleteDebt-free is a dream a lot of people never realize. Good for you and Mars! Hang in there, I know you will find a place when the time is right.
ReplyDeleteDebt-free=FREEDOM. I to am still looking for the land. When it happens it will happen. Keep looking. I can't describe the wonderful freedom of being debt free. No credit is good credit.
ReplyDeleteSee Ya
Ah, SFC! Thanks for stopping by my blog. You have been a faithful friend. And one wise chick you are, staying debt free. I am **not** debt free but I'm darn near there. For the last few weeks, I've been dreaming about a new(er) car, which would mean car payments. My car is 15 years old, approaching 180,000 miles. It needs some work, but for less than two or three months payments on something new(er), I can have it completely fixed up. And I just bought new tires for it again. Why would I want to trade in those new tires? Thanks for snapping me back to reality.
ReplyDeleteSo... hang in there. You absolutely will find your owner finance place or some kind of something that is perfect for you. I've done it - twice now. Both times, the terms were good. You will be pleasantly surprised that once you set your intentions, good options will appear for you. And it sounds like you've already set your intentions. I have no doubt that you will be writing about your little piece of heaven soon.
thats a good way to be is debt free. most the land on Terlingua Ranch can be bought without credit. And some near Pecos (redbluff)even without interest and credit.
ReplyDelete