Financial decisions can be tough– in debt or not in debt. With our move, we’ve had to make some pretty hard life decisions, based primarily on our finances– and while that seems to be just where we’re at right now, I know that if we weren’t in debt, we’d likely make different choices. Que sera sera… it may be, but not permanently.
Tough decision #1: Where to live. This seems like an easy enough thing to decide. Find a spot you like, rent or buy it. Nope. The question isn’t even the rent or buy. The question is: how far is the place you want to live from your place of work? For us, this was a toughie: we are a single car family and have been for nearly 10 years. Turns out, the places in the best proximity to Mike’s new job and in the A+ rated schools rent for a small fortune!
Tough decision #2: Buy a Car. So. If we moved where the rents we’re lower and still in A+ rated schools, we could buy a second car. Still. The rent was high compared to the amount we deemed within our budget and car costs could get kah-razy!
Tough decision #3: Schools. It is safe to say that most everyone, given the opportunity, would be giddy over A+ rated schools. Except for us. Where we were looking to live was going to derail our goals, which, in turn, would have a negative effect on the kids. Do we walk away from the amazing schools?!
What we decided:
All things being equal, our goals are a top focus. In the end, the kids will learn, and we will have to be in a place financially to be able to provide for them as they grow. If we can’t tackle this debt, then we’ll never be in a place to provide for them- or ourselves– later. We decided to look in a different town, which is still close enough to Mikes office so that a second car isn’t necessary. The rent is considerably cheaper because the schools aren’t desirable– the one major downside. This has had the added bonus of leading me to become a homeschooling mom– something I’ve long thought about, but never seriously considered. At least while we are in this place with these goals, I will be homeschooling the kiddos.
In the end, we get everything we want: remaining focused on our goals, live near work, not being required to purchase another car, and a great “school” for the kids. The choices with this transition haven’t been easy at all. I have to admit: there have been a few tears shed. Mostly out of anger with the decisions in our past that keep us in this cycle. Like I said in the beginning of this piece– we’d likely have made different choices if we were on the other side of it– but I think we’re right where we need to be. For now.