3.12.2012

Weekend Money Recap

I don't know what happened but I feel like I spent a lot this weekend.

I actually had gift cards that I redeemed with my thank you points from an old credit card so I "spent" $60 on a tote from Banana Republic to carry my work-out clothes and shoes, and my LSAT materials. I also got Nike Free Runs from Foot Locker, which was also purchased with a gift card. So I actually got those 2 for "free". I already used/am using both items and love them so far.

via bananarepublic.com - I actually got the all black one w/ tan straps


via


Next, I spent $100 at the grocery store. I have no idea what happened! I purchased lots of vegetables, fruit, and it seemed to me like there were a lot of buy 1 get 1 free type of deals. It was probably my fault that I went to Vons instead of Food for Less, where food is more expensive. The Lean Cuisines definitely put a huge dent in the bill and then a bunch of other "healthy" stuff that I splurged on - especially greek yogurt. I bought so many little cups as well as a big Chobani one that was 50% off. For some reason I think I got trapped into all of the "deals" when in fact they weren't really deals at all. The good news is I am fully stocked and shouldn't have to go back to the store for 2-3 weeks. So let's see how long I can make my $100 grocery trip last for me (and BF)!

Took a practice test on Saturday and scored a 158, the same score I got in December. Not too shabby considering I just took 3 months off from anything LSAT. So I think it is do-able to increase my score by at least 5-7 points by June 11th if I continue studying my butt off.

House stuff - Need your input:
The house we put an offer on, although detached, is still part of a community so we do have to pay HOA. I don't mind it since we are going with a loan of 3.75% at 1.5 points. Anyway my bgigest gripe now is that our real estate agent basically sent our info to one of her preferred lenders who is experienced in HomePath loans since this is a Fannie Mae property. As you know, BF and I were pre-approved for a conventional loan all 3 times we submitted offers in the past for properties that were about the same price.

In order to guarantee that we get the place, the lender told us that we should put the loan under my name only. The thing is, BF does not have bad credit (his credit score is in the high 740s) - but his credit report shows that one of his student loans is delinquent, but this is a mistake since he was still a student at that time in 2007. This never harmed his chances of being approved before. The lender persuaded us to put just me on the loan and BF and I agreed to "guarantee" our chances of Fannie Mae accepting our offer.

Does anyone know what the pros and cons are of being on this loan by myself and having BF be on the deed with me so essentially he will be a co-owner? He is kind of aggravated that he won't be able to claim this on his taxes and he will just be making payments on it like a renter. I'll be able to get a tax break but it means I am solely responsible for the loan and the rest of the down payment can't come from my BF, it has to come in the form of a gift from my parents. Then my BF has to give my parents the money. It's all such a hassle but I think we are agreeable that it is worth it for this place.

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bogofdebt said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I love those shoes-and you got them for "free" which makes it all the more better. I'm also guilty of buying "deals" at a grocery store that really isn't a deal--I'm slowly getting better at this though.

Michelle P said...Best Blogger Tips[Reply to comment]Best Blogger Templates

Love the stuff you got.

And sorry I'm not sure. We are both on our loan. That does seem like an unnecessary step.

Young Professional Finances said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I'm not sure what the pros or cons are but that doesn't sit well that he won't be on the loan. If you guys wanted to get the house together, be 100% sure that he's ok not being on the mortgage. That's a huge thing to a lot of people - it'll be more like him paying you rent then owning anything. It's a tough decision.

Newlyweds on a Budget said...Best Blogger Tips[Reply to comment]Best Blogger Templates

that seems really fishy to me and i would try to get a second opinion. that just seems like unnecessary hassle.

Rafiki said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I love those free runs. I mean LOVE.

I don't think you really spent much even if it feels that way. It's been a long time since I saw a post about you doing any "real" shopping. What I miss the most is the returning you use to do lol.

That house predicament does sure sound like a lot of hassle. I personally don't like anything that seems unnecessary. I probably would have still applied for the loan together, I highly doubt that hiccup on his credit report would have lessen your chances. If you two are OK with the deal, go through with it but I do believe YPF touched an important point.

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Love your bag!!

The Happy Homeowner said...Best Blogger Tips[Reply to comment]Best Blogger Templates

I'd definitely be seeking alternatives--I'm not sure that person knows exactly what they're talking about.

Aren't you able to forgo that financing option in lieu of the conventional loans you've already been pre-approved for? I bought my condo from Fannie Mae (it was also a bank-owned foreclosure), but I went with a local bank branch for my financing.

You should also research more about HomePath before signing on the dotted line--I've heard a lot of complaints about it (unfortunately, I don't have a lot of details or I'd certainly share).

Overall, I think it's necessary that both names are on all documents, including the loans!

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