I bought my DREAM HOUSE and it turned into a NIGHTMARE.
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- Опубліковано 28 тра 2022
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I wish more people were HONEST. Buying a house is extremely stressful. I am new to your channel. You are a breath of fresh air.
Buying a house should be the nicest experience anyone has and it’s actually the worst most stressful situation most people go through.
Absolutely & sadly TRUE!
@@viewviewview1236 So true, even with an inspection, my experience is they still do not detect issues. Plus, you have to make your offer immediately, you cannot wait or the house is lost. Scary stuff!!!
so true!!!
Did you just say Calm your tits 😮 to your mom? You two must really love each other! . Watching this alnost a year later and from you latest videos it all worked out. More or less.
Well done Nicole!! 🎉
I bought the wrong house once and it plunged me into a major depression. I've been through hell and back. I was so clueless.
Finally someone sharing a REAL experience about buying a home. I could relate to a lot of the stress you've encountered when buying my first property. I also didn't want the townhome I put in an offer on and feared being sued too so went through the process and almost 3 years later it's still a regret. Thanks for sharing!
Believe Nicole . . .Being REAL is your Wheelhouse you got this ! Heart felt 🎸🎸🎸
I almost lost the home of my dreams. Months after closing my dad needed me to be with him during his last year of life. I scrambled to get a roommate to help carry the costs and to allow me to have a place to come home to a few times a month. When Dad died I couldn’t get my self together. Then I lost my job, the market tanked and I added numerous roommates one after another until I was able to sell it 10 years later. I held it too long thinking my life would turn itself around. It didn’t. I went through my 401K. My savings. And a lot of equity in the house. I bought investment properties with the profit but I stressed everyday that I was going to lose it all. In the end I guess I did since I was forced to sell it. Fear kept me in the hole. Your post brought all those horrible feelings back. I hope you are able to renovate the hell out of that place so it will all be worth it in the end.you are so smart and frugal and young. I know you will be able to thrive in the end. Just keep saying to yourself, “What would I do if I wasn’t afraid?” And then do it. Congratulations!
I went through buying a home this year, first one ended up being termite infested, 2nd one got sold from out under me when i was contracted, 3rd one went 55k over asking pricez 4th one went 15k over. Finally got a good seller in a home much better than all the other ones, they gave 2k at closing too and left a nice notr saying that they hoped-for us to have as good of a time as them
One of the most honest UA-cam uploads I’ve ever watched :)
One of the best things you can spend money on is movers, pack all you delicate easy to break items and move those yourself or have them boxed up for the moves and have them move your heavy clunky items, bed, mattress, couch, desk, dining table and chairs, all those things.
In 82 we moved from in to tx and bought a home. 3 yrs later hurricane came and a nightmare began. We found out that we didn't actually own the home, it was an illegal wrap around mortgage. Unbelievable. We lost everything we had paid to the bank, had to move out. A hell of a nightmare. I feel for you. 😭😭
You didnt do a title check???
That's terrible Cathy!
@@northernchild2023 crooked realtor and bank.
@@cathydiamond6573 That's so horrible and sad. I'm very sorry for you.
how was it even possible ...what a world...sorry, what a nightmare!
Wow 😮 I’m so sorry to hear what you are going through. Stress like that can really mess up your body. I pray this is over soon and you can find joy again. I have many life choices that I regret. Our housing regret started in 2018 when I sold my condo as did my Mom so we could move to Florida. We moved 1000 miles south and everything went wrong. Our car that we had bought a week before moving was hit the first day in Florida. Then my job was not what I had expected and my husband’s job ended up not hiring him. So looking for work to keep our lifestyle was stressful. We were deathly afraid and decided to run back to our home state. After only living in Florida for 8weeks we moved back. We both were able to return to our previous jobs. We bought a house with my Mom. Life should have resolved itself but it didn’t. The nightmare continues even up until now. After living with mom for a period of time I knew we couldn’t continue. We sold that house and got her money back to her. We were now out of a lot of money. Mom has bought another house she can afford but it’s 45 minutes away. Not the just down the street location. We are still renting because we can’t afford a house in this market. It will be at least another year before we can buy again. The condo we sold for $140,000 now costs $225,000. We are renting one exactly like our old unit for $1500 a month and our previous mortgage was right at $1000 with taxes and HOA fees. So much regret and money lost. Living and learning hurts. Keep posting your story as it will hopefully help someone else make a better decision. If only we had stayed put in our last condo and not moved to Florida. But even after all of this we are thankful we still have a nice place to live and hopefully the next time we buy we will be content to never move again.
I’m sorry to hear you’ve been through an ordeal too. I hope it all sorts out for the better. 💜
Oh, no! Melissa, I don't know you but my heart hurts for you. What a terrible experience. I pray that you will be able to buy a new place soon that is an even better situation than the previous home. Hugs to you.
@@logicalblueberry thank you. We have now purchased our own condo. Life is good. We are finally settled and content.
@@melissalee9171that’s wonderful ❤️
Hey! My name's Nicole and I've just been through something similar in the UK. After 7 months of desperately trying to collate endless demands from a mortgage broker for paperwork, feeling exhausted, the seller got impatient, put my dream house back on the market and I was suddenly forced into a mad race to Exchange against cash buyers. I spent hours on my knees, crying and wailing, praying to God for the SA/302 which HMR & C were taking days to process. It literally felt like I was thrown into a shallow body of water with competing buyers and killer sharks as the agent declared, "So the person who doesn't die, wins the house!". By some miracle, my mortgage clicked through at the last second and I managed to drag my way to Exchange just 1 hour before the competing cash buyers. It literally was the single most terrifying experience of my life.
I feel so sorry you had all that stress,
You can abbreviate the details of the home buying nightmare by saying this: when all goes perfectly you will give away your property or money to a third party, namely a title company, and for a fews days you will have nothing, not the money, not the property. For me, that's the worst of it. Yet, there always are glitches, hangups, and delays in real estate. Some times even pure coercion on the part of insignificant players holds up a sale. I once faced the expiration of the finance docs in the last hour of an escrow because a small town, but big name, insurance agent didn't want me to pay annually when I did want to. I had to sit in his office and wait almost two hours, while he chit-chatted with several friends of his who came and went while I waited. The title officer finally had to come down to his office herself to get proof of insurance.
After that I did what he was afraid of, I switched companies at the first opportunity.
I'm an old, smalltime guy, but I have never found buying and or selling real estate easy , or problem free.
My deposit was $100 for a 45k co-op apartment in 1997 in NYC. Those were the days‼️
The realtor was so nice to me, cause unbeknown to me, it was a buyer’s market.
I lucked out, I was already in my late 30s when I bought my first home. I am still living in it, and my monthly maintenance fee is $860. Less than $900 per month in NYC!
Buying a home is a crap shoot.
What a stressful situation! Good luck.
Thank you for your honesty, Nicole. Don't be too hard on yourself, and enjoy your new house! Congrats!
I saw this on my recommended page, and wow! what a story. I relate to some of it :) HUGS. as it was posted 8 months ago I am kinda excited to go see any updates you have and...I feel horrible for you!!
I thought this was going to be about the nightmare of HOA's. Considering the nightmare of living in apartments, buying my first house was a dream. It was in a nice quiet neighborhood full of seniors. But they started dying or moving to nursing homes, leading to younger, louder, party people and crime moving in. Some were bikers or dealers. It went downhill fast and I couldn't wait to leave. At least I made a small profit on the house.
Sorry you went through this ordeal. It is nice of you to warn people about this.
It sounds horrendous. I have sold and bought at the same time (on two occassions). In UK its not quite as scary if you pull out of a purchase you might only pay £2000 for the legal costs and a small deposit. But I think I would recommend to people that they make sure their sale has gone through, and then start looking for something to buy, e.g. dont be in a chain. Sure its not good while house prices are rising but, it could only be a few months in between. And maybe a couple of thousands you might loose on a rising market, is worth less stress and worry.
Yeah, I goofed, too. 5 years later, trying to save to leave the state (Texass). Sympathy. Empathy.
After being involved in buying two houses (not just one) I still don't understand why younger and smarter people like myself are still going through this nightmare.
First thing first : in the best scenario one has to endure a huge debt for about 25 years. Some "lucky" people only have to go through this madness only 10 or 15 years.
Second and most important : houses in Canada are built to not last, meaning that during your time paying your mortgage you have to spend money you don't have to keep the house standing and make a profit at some point by reselling it.
Buying a property (a house or a condo) it is never a long term investment, It is, in reality, like buying an expensive car that will never pay itself by going up in value; unless you are very wealthy and can afford to put money in stuff you don't have to live or use.
Speaking of buying a condo ; most people believe that owning a condo will solve the problem of keeping up the property since "somebody else", will cover these costs.
It doesn't work that way simply because the owner (the bank) will raise the common expenses of the property simply because they have to paint the building or add a new garden to it. In the end you will pay for it, whether you want it or not; you simply don't have a say on these matters, due to the fact that "owning" a piece of the property it is not an exercise in democracy.
Renting out has been a solution for many years in Canada, not anymore amigo.
Best case scenario for a lot of young people is to leave the country which in the end will make the whole situation worse.
The only solution left is to rebel and refuse to pay taxes and bring the whole nation to a halt, which it is considered terrorism and it will require a lot of organizing, very hard to achieve in a society so indoctrinated to obey the authorities.
This generation has a lot to do and it won't be easy since the alternatives at its disposal are not better than the present ones.
It is possible nevertheless, it only takes the will to do it.
Greetings from Toronto.
Buying a home is extremely stressful even under the best of circumstances. Then there’s buying a home with the intention of renovating for cosmetic stuff only to find out that you have to spend all that money to fix plumbing, roofing, electrical, or other structural stuff. Always assume everything will cost twice what you think it will cost.
The multiple offer thing is a way to dump a junkie house with issues and off load them at top dollar
I would stumble through what you have done and I am 65. You are doing some very grown up things for your time on this earth. Real Estate can be very stressful.
In real estate you only ever lose or make money when you sell. As long as you can comfortably hold on to the property to time the market things will work out. One day you'll sell at a profit and get the place you really want. For now, you're a property owner! 😊
A reminder to be content with what we already have; strive for better but also be realistic about how this 'better' can look like, NEVER take important decisions under pressure and, like the saying says: don't take a step longer than your leg! Take care & cheers to happy times!
Any time you try to get ahead in life ( as you well know) there are problems. The difference is whether you persist or give up.
What a nasty stressful experience. I'm glad you made it through. Buying a house at the peak of a housing bubble with a huge down payment to lose if you change your mind, threats of being sued. Other house won't sell. The only thing left out was going to jail for 2 years. Nobody should have to deal with all that mess just to have a place to live.
And don't call it your "forever house" as most people move every 7 yrs. I had horrible neighbors at my last house that had pitbull type attack dogs that want to tear you up every time you go outside. Lovely, I was so glad when my house sold and got the hell away from the horrible people and their dogs. Felt sorry for the young couple that bought my house though. Oh ya, when it rains water comes in the basement.
Nicole it’s not your fault real estate house has become a nightmare in the last f three years housing shortages but also lots of other things it has boa luxury to able to quality and getting a home that 10 years ago was so easy it’s not only there but also in the United States the same situation it’s a headache don’t feel guilty yu enjoy the new home be happy yu got it it could be a worse situation Yu could have end up with mom but thing s and experience teach us yu are an amazing woman very smart what yu have accomplished at a young age be proud of you ok remember life it’s never how we wish and it’s for a reason that thing happens yu have a beautiful home
I can completely relate to everything you described. I think you will come out on top in the end! 🙂
Thank you for your transparency. I'm so sorry you had to deal with all of that. So glad to see that you are over 1K subs so you can monetize your channel.
thank you for sharing the reality of this experience!
I believe it real state market has become a nightmare because it’s not enough homes for more people buying them homes are being snatched to bidding it’s more difficult and expensive too
lets see...the time i bought a house with a spectacular view on an eroding cliff...(once i realized what a mistake i made it took two years to sell AND THE LADY THAT BOUGHT IT FELL OFF THE CLIFF AND WAS PARALYZED)....take heart..houses really do come and go...this is why the super rich are able to manipulate the real estate market...they can afford to hold on to multiple properties and buy and sell when prices are high to sell and low to buy BUT FOR A PERSON THAT JUST WANTS TO SWAP OUT THEIR SHELTER you get into this scary game you so eloquently described...hand on and get creative..my house almost wiped out by HURRICANE IAN..major re think...
Lol ur mom, "That is NOT organized" 🤣🤣🤣
I was also in the same boat around that same time. I live in North NJ - 10 minutes from NYC.
It was exactly the same as you described. Having to JUMP at a house you just saw and liked, (forget about your uncertainty), because if you don't go for it, the person behind you will offer them even more than you & then it's GONE!
These days finding & buying housing is truly a nightmare. I've owned several homes over the years, and since 2021, buying ANY house here is upwards of $400-500,000. And it could be a run down piece of crap.... But people will pay big bucks even for a piece of crap. It's depressing! I feel sorry for my kids , I don't know that they'll ever have the joy of homeownership.
I truly appreciate and love your honesty. You are more transparent than a lot of other channels that I watch. Much appreciated of how you do your channel ! God bless you and again thank you !
I can completely relate to your experience. I postponed buying a house for far too long, but when I finally decided to buy one... pffft, all the stress and all the doubts.
The thing I did was: I went to an online tarot site where I could draw 1 card that either said 'yes', 'no' or 'maybe' to the question asked. I went through a lot of personal changes at the time I was ready to buy a house and to get through it all... for every decision I had to make, I drew a Tarot card. Whatever the decision was, I sticked with it and I didn't doubt the decision. I used it to find my house, to find a new job, etc. I might as well tossed a coin, but it helped me to not get eaten alive by the doubt of all the decisions I had to make at that moment.
I bought my house really cheap and it took me 1 hour to decide I was going to buy it. I liked it, drew a Tarot card that said 'yes', phoned the agency and signed the papers a few hours later.
3 years later... it's not my dream house, but I pay no more rent, no loan and I spend most of my time renovating the place. No regrets!
Thank you for sharing your honest story.
Just saw a recent video where your new house is all fixed up & you seem happy. It always is a hassle to buy & sell a house. Always.
Once you've lost a lot of money, it won't be a big deal next time. Probably better to live small and buy an investment property before you upgrade your own though.
This video has so much useful information. Sorry your experience was so brutal. Hope things start going better for you as you work on your knew home.
I hate it when I hear people that learn the toughest lesson the hard way, but at least they will never make that mistake again. and I think nobody should buy their dream house until they’re in their 50s. We kept ourselves in a starter home for years while we purchased other properties and rented them out.
You are a strong, talented, and kind person, Nicole. We all go through massive challenges...I'm going through something right now and this helped me. Thank you for being open and sharing this.
I am catching your videos out of order, so I'm hoping things are better for you now. In August 2020, we sold our 1st house to move 1,000 miles to a temp apartment in Florida. It was the height of chaos - quarantine, realty market craziness. We sold in 1 1/2 days. But . . .the buyer couldn't really afford it. She was financing it for her adult daughter and granddaughter to live in. Financing kept getting denied. We literally needed the precision of a clock maker to have it all shake out right. Then the night before our move with the virtual closing 3 days away, the Grandmother Buyer showed up at our house crying. They wanted to move in 2 days early or the daughter and young grandchild would be homeless. We let them! And it became a nightmare. Thankfully when the closing kept getting rescheduled we were able to get them out without a Sheriff. The closing took place 3 weeks later. We got top dollar and were lucky to find our Florida house during our 7-month lease. But talk about stress! Things are awesome now, as they will be for you, too. Looking forward to binge-watching your videos in chron order next!
Thank you for your honesty. I appreciate it. I bought a house years ago, the first all on my own and two days before closing a hurricane hit my city, a big one. All of a sudden the lender wanted another inspection and other proof that the collateral wasn't damaged. Fortunately it wasn't but it delayed everything a week and I had to be out of where I was living. No fun whatsoever. Hang in there and I hope you enjoy redecorating your new home. That was about the only part of moving I liked.
You really put yourself into the corner... Thank you for sharing.
I can’t tell you how sorry I am that you had such an AWFUL experience. I am a new subscriber that is looking forward to seeing how you made this “sh** sandwich” into something palatable! Love from Texas ❤!
Love how passionate you are about music. Do you like to sing?
Thanks Nicole
Similar situation happened at my brother's house. He only lived in his new place for a day before giving up on it because his car got shot up and his house was broken into. It was a freaking crazy situation!!
Holy crap! How did he get out of that situation?
@@AccordingtoNicole He just moved back into his old place and is keeping that one empty. The air conditioner is broken amongst other problems. He spent several thousand to move and then several more to move again. I'm telling you housing stuff is insane right now!!
I did the same thing with a car pretty much, girl. You're not alone!!
Edit: thank you for sharing so I don't feel alone, too!!
I appreciate your honesty and am sorry you went through this experience.
Thank you for being so honest. Buying a house is stressful. Shopping around is normally the exciting part after that its a lot of stress until moving day.
“Calm your tits” LOL I love how real you are
I moved into a modest condo and as the monthly dues quickly sky rocketed, I found out it was not for me. Each section had 12 units: 4 on floor. What a mixture of incomes and personalities. Like glorified apartment living. I moved into a 2 family rental house and was much happier then on to a Senior housing complex which I really like.
Yes I relate. We just sold and bought a year ago and it was so stressful. I thought it would be fun, but it wasn’t at all. I can say that I love my new home and it was worth it. You just need to recuperate. Once you start making that new house your home you will love it. You’re a smart girl and everything is gonna be okay 😉
Congrats on your home purchase. The real estate market in Canada 🇨🇦 is CRAZY! Hang in there. Enjoy your new place. Things WILL get better. ❤❤❤
The stress from this experience is so unreal. I am hoping it’ll be smooth sailing going forward
What a terrible, frustrating experience! I'm so sorry you had to go through that. At the end of the day, it will probably be the best home you could have imagined. I hope everything will go smoothly now and I wish you lots of energy and a good move to your new house!
Sometimes these realtors play with your emotions!!! It's hard to go through what you did! I only give a big deposit after I get an inspection and I have a mortgage approved and a good deposit making me a good buyer! It can take years to find the right house in the right town for a good price but you can find it! Hope things worked out well for you!!!
Wow, thanks for the realism. I fully believe you'll be glad you bought the house in a year, but your story helps me settle into my decision to keep renting while the housing market (just as bad in many urban areas in the U.S.) settles down. The city I lived in during the pandemic saw a near doubling of house prices.
I have been through the same house buying trauma, until one day I figured out a plan. You must ask these questions first before going on your hunt: 1) What actually determines the asking price of a house? This is a VERY complex answer but is the key to understanding the motivation of the seller to sell today! I bought a house in an excellent location over 30% below the listed price. I look for the reasons the seller sells not the house. I am not shopping for "the house" but "the location" + "the reason for selling". Most other factors are secondary. The house I bought ten years ago is worth 400% more today. Neighbor houses only increased less than half as much. This menas that in any market I can easily afford to sell at a lower price than my neighbors. No longer owned by a mortgage or a house.
you totally broke your own rules.....making the biggest purchase of your life based on 10 minutes!. Oh dear Nicole. you fell for fomo. Well, I did the same in the stock market, 30K gone.... I def learned my lesson. I'm sure you did as well. Know the thing you are investing in inside and out before you take the plunge. Good news is, you dear girl will make your money back, in time. Just do what you do, live with what you have for now. no big renos for you. But, the Canadian housing market is a monster, you have to get to know it better before you try that again. Buying a home with no conditions is just as bad as using credit cards to live on and only pay the interest. It could be a complete lemon and will need 100's of thousands to fix. that was a very risky thing to do. hope it works out for you. good luck. Also, on a side note, please don't listen to a real estates bull crap about what your "home" is worth to you...that's just a bunch of psycho babble. The banks and real estate agents will encourage you to spend as much money as you can afford, not what is in your best interest.
I had the exact same experience. Bought a house and a few days later, Ukraine war started, interest rate scare, etc and our housing market went from +10% per year to -10-20% in a few months so I couldnt sell. It was crazy.
Now is the worst time to buy a house. I sure you be ok , What does not Kill you only makes you stronger...
I've been a subscriber for a bit and I also happened to buy my (first) house recently (last month). I didnt go through nearly the stress you did but you're so right that it was such an abnormal environment and constantly one thing after another. I got laid off the afternoon after I signed the offer for our house that morning. And we kept running into issue after issue. But we are really happy and once we are moved in, I know any regrets will feel further and further away. I've read accounts of other people having their house hit by trees or tornadoes the day or week after moving in, or houses burning down the week before closing on a sale, with all the current owners' belongings packed up and burned with it. It is unthinkable to imagine all that can go wrong and you really truly couldn't have predicted it. You weren't a fool, you just dont have the ability to know the future and that's just the tough reality. You have made it past a lot and I really hope once you move, that you will find a lot of solace in it all and recover your health!
Hi Nicole. It's already 7 months you posted this video but I wanted to share my story about the first appartement I bought. In 2005 I emigrated to France with my daughter who was already 3 years old. I moved in to the little appartement of my ex-boyfriend in Paris. It was quite cozy but my daughter grew up and the appartement became too small for 3 persons. So I was pushing my ex to look out for another appartement but he was often depressed and couldn't do anything. So I went out to look for several appartements and even tiny houses as we didn't had the budget to buy something descent in Paris. One time I ran into a little house but he said that the area was not good enough. I was very dissapointed but we are two so I let this house go. Later we had found another appartement to sell and we both agree to have found what we were looking for. As it was in the suburbs my ex was not 100% excited but we went for it. We did had an appointment at our bank and it we could purchase it but it was complicated as my ex had not a stable income as he worked with artists. But I had a stable income so that's why it was okay but he needed to do some other formalities to get things done. Which..... he didn't. But I already made a big transaction from 20K and I remember I was going to Spain (because I won a trip to go to Barcelona from my previous job). So I stood there with my phone in the metro, all excited going to Spain, being pregnant and finally becoming also an house-owner, like all my other collègues and friends, and asking my ex if he did what he needed to do. And he said "No". I almost lost fell on the floor! I had a horrible time in Spain and when I came back my ex needed to do everything he could to get my 20K back cause my French was not that good enough at that time to get me out of such a complicated situation like that. We already signed and everything. And they told me that the owners were not obliged to refund the 20K. I was stressed like you was and I thought I would rather die than to loose 20K. Stupid to think that way but I completely lost my mind. Finally the owners returned all my money! I never thanked them but if they ever read this comment: Thank you so so much again! You saved my life!! Fast forward to the purchase of my new appartement I saw a couple of months later. It was not perfect but at least we could buy it and getting rid of his mother, who was paying our rent (which I could not bare any longer as I could not bare her either). So we went to visit it and my ex didn't liked it. When he was complaining about minor details something inside me screamed and I knew it was over. I bought the appartement and packed my stuff. But this time (Karma) it was the owner who wanted to retract. And I was so lucky to had another in friend who was an architect and who knew the laws if it comes to real estate and he helped me out. As I left my boyfriend quite impulsively I stayed with friends and at my work I could place my stuff in empty closets. I had stuff also in the garage of another friend. It was a complete mess! The story goes worse... The day I had to sign and I got my keys..... I went to sign but my broker told me that there was a hidden bedroom which was not included. That it did not belong to the appartement itself and if I wanted, I could retract the whole thing. But I was desperate. I still had my daughter (who was thank god at that time during all this hassle with my parents in Holland). I signed, got my keys and went to the appartement. It was a complete mess!! The old lady left all her stuff and the worse thing: she was a hoarder! It took me a couple of days, with the help of friends to get everything out of the appartement. It was a real nightmare. And still all my stuff were not in the appartement. It was not even cleaned up. And then, the night before I should sleep there for the first time, I got robbed of my handbag that evening in the middle of the streets while I was already robbed from my phone just one month before! Everything was inside, but really everything!! My passport, my creditcards, metro pass, my restaurant tickets, everything! I had to call my mother to tell her and to borrow money as I had nothing at all anymore. She did a transaction but I could not even take that money as I had no ID, no creditcard and all my administration papers were somewhere in boxes by different friends and I had no clue where I could find these. It took me a whole month to go to the police station, the Dutch ambassade for a new passport, the hospital (as the guy was quite violent while robbing my bag, getting new credit cards, asking at my work for new restaurant tickets etc. And finally I could clean the house. And paying people to fixing the leaking window which I was not beware of before I purchased it. After cleaning the house I could finally move my stuff. My daughter came back from her holidays in the Netherlands with my parents and for her it was an absolute nightmare that I was separated and that she had to move somewhere else. We both were totally traumatized and I did everything I could to make our appartement feeling like our home. And it went better. Fast forward till today: now I have a new husband. I live not in Paris any longer. My husband and I bought a new little detached house. We have 2 little sons together from 5 and 8 years old. And I started a foodtruck business a couple of years ago which goes well for the moment, I play cello from scratch at the conservatory and my daughter? She went back to Paris to study at the University la Sorbonne to become an interpreter in French, Dutch and English. She went back to the old appartement as I never sold it. We have two cats and it sounds cliché: but we are really happy with our lives. My husband and I both come from far, so the more we realize that we ended up in a very good situation. So one day, you will end up somewhere else: in your dream house. Renting this house to others. I don't know. But the living proof that at the blackest days of your life, one day it will be all over! So hang on!
@@suzayn I'm not sure if you would really like to watch it ;-) But thank you, it made my day
What an absolute nightmare. I'm glad your happy now and it all worked out ok. I'm curious to know - what became of your ex?? ✌😊
@@ChorltonandtheWheelies Thank you for your concerns. After all these years we are still in touch with him. He is doing fine and is still single despite a lot of women were and are interested in him. My daughter sees him still every week and she still consider him as her father. And we see each other also sometimes. He even stayed in our house for a couple of days and my husband liked him immediately and vice versa. He is a wonderful person who still looks after us and I'm really thankful that I choose men in my life who are good men despite a split up and still caring for our daughter.
what would you have done differently ?
We bought an investment property about 10 years ago. We decided to sell it since the market was great for 2020 and 2021. We decided to sell the property probably around the time you purchased. We spent money painting the house, fixing up little things, and paid our tenants 2 months rent to help them find another place as well. Our agent told us the house was worth one price, then in the 2 weeks it took us to fix up, it was worth a lot less. It sat on the markey for several months, and we ended up getting close to $200,000 less than we would have months previous to when we listed. I totally get what you are saying. These last few years have been crazy... And even with prices dipping, everything is still not affordable.
You’re doing great!
Your mom is funny and tough!!!😂
Thank you for your honesty. Your desperate feelings are what I experienced when I graduated college with debt. It took a long time for me to see the light at the end of the tunnel but I hope you see that light much sooner!
Wow nicole whata story! Were gonna try to buy in 2023 so appreciate your sharing your story . I hope your able to make it feel like yours sooner than later. I'm really inspired by your frugality. Were currently on a spending freeze to ready ourselves for buying. I've noticed the longer I go without spending aka wasting money the easier its getting
Your country needs better real estate laws. In the US, you can back out of a purchase for any reason and only lose a few thousand dollars. I know a company that buys properties to rent, but the renter picks the house, so if the renter backs out, they don't purchase the property at all. I've seen them back out a few days to closing because their tenant backed out.
I had a feeling that things might be challenging for you since there was no new video for so long.
I'm just so sorry. That really sounds horrible. But I have high hopes that you and Levi will come to love the new place. Thanks for keeping it real ✌😎
Thank you for being honest. Really like the channel
Hey Nicole--sorry you had such a frustrating experience, but you did get a house! Keep moving forward and focus on getting settled and comfortable in your new place and things will work out!
More 1st timers need to hear this. Sorry you had a lousy experience. I had a similar experience where it took a whole year to sell my house.Finally got contract then the market dropped out the next day. The person buying the house of the person buying my house got into a bind and we had to wait three months for the finances to trickle down to me. I had put a contract on a house already for cash as soon as my sale was done. I new this was the best house though and I have been here 35 years now.
Hi Nicole, I first would like to say you are stronger than you probably thought, and you are tough enough that you got thru this. What a learning experience! Give yourself credit for facing all this hardship and coming out the other side. I am proud of how you faced that dragon.
The most stressful experience of my life was when my dad died suddenly and I had to assume his role of President in his multiple companies. I was 40 with no experience in his businesses. I had a young family, and we were planning on living in the Netherlands for a year. We had just arrived 6 weeks before, after a whole year of planning the move, finding a place to live, etc. Then i got the call he had died of a massive heart attack. I needed to come back to Canada.
It's a very long story, and although the circumstances are different between you and me, I was forced to find a way thru all the stress and new situations I was facing daily, with accountants and lawyers and real estate agents as we began to liquidate his many retail, industrial and rental properties. Fear of continual failure was very real. I had really good professional help in each area all along the way. Relying on them made it possible to get up each day. I didn't feel alone, even when the decisions were ultimately mine to make. I know how the nights were sleepless, the days full of worry and fears, not to mention, I was grieving my father who I loved dearly.
I see this video was posted 7 months ago, so you probably don't need the support you would have back then, but I thought this might help for you to know life doesn't always trample you underfoot. We find ways to get up, to face the day and to learn that, one day at a time, we will get better and stronger. I never want to go thru that again, but I do appreciate what it taught me, and how I found out I was stronger than I believed I could be. You may have another challenge of a different type in your future. You have exercised some of these muscles now, and will be better prepared for the next hurdles in life. Wishing you all the best, and some love too.
Can definitely relate to this.
I bought my house in 2021, but it wasn't without struggles. Houses were going so, so quickly, but we were lucky (the first time) and looked at a (older) house that didnt have any offers yet. It was big, had a bar in the basement, a nice view, driveway and garage. It needed some work, but it was nice. I was able to talk it down 10k less. Things were going okay, but then our (first) lender screwed up the taxes and then was saying we needed a lot more money than projected THE DAY BEFORE CLOSING. Then, the sewer line screwed up and the sellers wanted us to front the bill because things got held up. Then, the lender messed up something else that I tried to clarify A MONTH AGO. We got a new (and much better) lender to see if we could save this house, but she recommended we walk away (we were devastated, but it was the right choice).
Which leads me to our current house. It's a tad bit smaller, but it has so much more to offer though if it's not at all the same stuff. And a much nicer view! We caught this house in time. It dropped 25K from its original price, and I was able to talk it down another 10K because there were no offers when we saw it. We absolutely love this house. It was hard to enjoy this one initially because of the nightmare we had to deal with. Luckily our landlord at our previous apartment was understanding because otherwise, we wouldn't have had a place to live (and probably would have to stay somewhere TRIPLE the price I was paying at the time. The previous apartment was the reason why I was able to save so much money for a house.).
Funny enough, it's 4 houses away from the first one.
I'm sorry you went through so much.
Can't wait to see your other videos. Subscribed!
I know this is 9 months ago, and you will be all sorted now. But thought I would share my own experience.
I got married at 34 years of age. We saved and 2 years later bought our own place. In no time a boom hit and almost overnight interest rates went from 6% to 17%. Our repayments doubled. We financed through a government loan. We got our repayments decreased. In 12 years the wife wanted a separation. She got two thirds of the equity, I let her have it. 15 months later we got back together, and bought another house. The wife put money into the deposit, but I had to repay her from my mums inheritance. I paid all the repayments. 5 years later the wife split again, she got half of the equity. Soon after I needed another vehicle. That was what I got out of the house gone.
How I look at it. I went into the marriage with nothing. At the end I had nothing. I did not loose anything. Today I am on a pension and rent a nice unit. I am happy.
Your wife got more from the house deals, though. But that's life so I am glad you are happy now.
How awful! You are so strong. All the virtual hugs
Hey Nicole, so sorry to hear about the hard time you had to go through when buying your new home! I can totally relate to being troubled by moving house, but the money drama that came along with it for you sounds just devastating! This video is a bit older, so fortunately I already know that your new house is, while not being ideal, at least something you can work with. And that would be my heads-up point of it all: You now have something to work with! And no matter how long it takes, there will come a time when this new house will be totally yours in every respect. In my opinion, creating a home is an ongoing process, because life comes along with change, and we humans deal with it by adapting, partially us and partially our environment. So we are never really finished since there is always something that can still be improved, that should be kept up to date, that has to be removed or that may or may not be acquired for starting a new project. I think that the secret to maintaining a minimalistic lifestyle is to always keep up with this process. And since we put in the work anyway, isn't it better to put in the work at a place that fits our needs not just right now, but also in the foreseeable future? I hope that you and your dog - Levi? :-) - will be very happy there for many years to come. Awesome garden, by the way! :D Good thoughts from Germany, Kendra
I watched some of your older minimalism content and I loved what you had to say on decluttering older style, which for you was letting go of skaterclothes. I'm *LOVING* your transparency on house shopping as that's a phase I'm going though myself. Great content! I resonate with a lot of what you're saying. Great vid, Nicole!
I know exactly how you feel😕I have been there and it’s awful. I let go of trying to be in charge and finally was able to admit I needed help from God. And after I cast my worries in surrender. Help came. Easy? Not so much
Focus on allowing help from a higher power❣️
Omg!!! I'm so sorry you went though this. I felt the stress and anxiety right along with you when you explained all the details. You are not alone though and many went through a stressful buying experience during the crazy covid years :(
I love your honesty!! Wishing you every good thing. We frugal people make the most of where we are…. I lived in a rental that I thought terrible but after 7 years came to love it and cried when I left.
I just went through the stress of home buying too, oh my God. What a stressful journey.
I understand you girl.. I live in GTA too and I knew what was market like that time.
Your story, as difficult as it was to experience and endure, may end up helping so many others if they happen to catch this video. You shared so much value and insight, so thank you for taking the time to educate others through your experience... even though it was so tough. I personally appreciate your candor and vulnerability. On a side note, I put an offer on a home in the summer of 2022 and was worrying about where the market was going up until the deal closed. I had a few sleepless nights as well. I ended up getting it and have been here for 6 months.
I so relate - but we're stuck
Hey Nicole, the beginning of your video was exactly what I went through when buying my first (and last) property investment. I always lost my offers to others and prices kept going up etc. so I did the exact same dumb thing and made an unconditional offer on a place I had only seen 10-15 minutes. Then Covid hit and the economy and housing market has changed since then. My plan to have passive income is not looking as good as I was hoping. Also found issues with it and had to renovate, rip out the shower, replace the floor. Plus am paying on top more and more with rising interest rates. Ah well, can't complain really to be in the position to have two houses, but the stress is real. I would like a detached house with a full section with more space for animals, but too worried to sell my owner occupied and not being able to find anything else i like without having a huge mortgage again (will be paid off at the end of the year yusssss). So staying put here for now. Wonder how you feel about your new place now? I'm sure you could do some renovations yourself. I've done so without prior experience, I put in a new kitchen by myself, even build a cupboard for the dishdrawer. Had a builder show me how to gib walls so I could do rest of house myself. Hope you have left the stress and regret behind. Cheers for your videos
Hi Nicole, new subscriber here, recommended by Dawn from Centsible Living with Money Mom. I can totally relate to your stress of buying a house. I started looking in Long Island, New York in February 2020 and finally closed on my house in February 2021. The pandemic shut things down in March 2020 so for three months I couldn't do anything. Like you, the houses were selling way over asking and were sold before I could even look at them. I was lucky that I found a house that was mostly renovated, and I only had to repair a few minor things. This is my first home purchase, and I couldn't believe how insane the buying process was. I looked at over 60 houses (using that term loosely since houses sold so fast) before I finally found the one I bought. Thanks for sharing your story 🙂
Really sorry to hear what you went through. But one thing that stood out to me as you were sharing your experience is that you are very strong, maybe eve stronger than you know. I admire you and am glad I stumbled on your channel. Keep posting... Your perspectives and experiences are both relatable and inspirational. Thank you Nicole 💜
Hi Nicole. How very stressful and thank goodness for Levi by your side! I have watched your videos in reverse it seems but at least I now know that your future self has transformed the dreaded house into something great. Brilliant, as we say in the U.K. 🌞
Welcome to my life!