“the consequence for overeagerness is the same as unreadiness”

Today I was told (as I sort of expected) that I probably can’t yet qualify for a home loan. I don’t have enough credit, I’ve only been at my current job for a year, I don’t have 20% down, etc. The main reason behind the inquiry was because the $8000 tax credit (free money which would otherwise take me a few months to save) will stop at the end of this year.

For me, it’s a real test of patience. On one hand, I know I should have more saved up, have a longer credit history, etc. and on the other I know I am ready for the jump into a real place to call home. I have decided to live life differently than our parents and grandparents have. A cheaper, simpler life (probably not too far away from the way our GREAT-grandparents lived). One where we are less reliant on the systems and people put in control of you. Maybe a place where we can grow our own food, make our own energy and live the way people were meant to live and I’m eager to get a head start on this while I’m still young.

The reality of it is you play by someone else’s rules when you have to ask someone else for money.

I know someone older and wiser than me would say take your time, but despite knowing that it’s still hard for me to be patient.