I’m very thankful for everything my parents have done and tried to help me with my whole life. They were both hard working ,although we were far from rich as a child I could not tell and compared to my friends I thought we had it good. Fast forward, I’m an adult now, I realize even though me and my sister had everything we needed growing up we lacked financial literacy and so did my parents. We were not taught about stocks,bonds,savings,401(k),real estate, life insurance etc… or even how important a credit score would be. I feel like even though I know a lot more now I’m still behind because of it and wish I had all this info a long time ago.
I have worked in the medical field most of my life now and enjoy helping people. I have two children that keep me going everyday. There is nothing I want more than to buy a home of our own. I think about it everyday and how wonderful it would be to have a safe peaceful place and see the smiles on there faces. I have 66,000 in debt,half of it is student loans. The first time I got approved for a mortgage I had to fix my credit score so I worked on that for 2 years. I tried again for a mortgage and didn’t have enough money for the down payment. My third try now, the housing prices are so high and my DTI ratio is not helping me qualify for much. I also have been looking into group home ownership for people with developmental disabilities such as autism because I worry everyday what will happen to my youngest son when I am no longer around. I would love to provide a healthy and safe place for people like him. I feel like I have so much to do and this is just a short snap shot of my life. Every time I take 2 steps forward I literally also move two steps back, it can be very frustrating . I have come across really hard times these past 6 yrs now and like always I am trying to see the sunshine still. Hopefully I can one day be the one to take care of my parents. I am appreciative of any help I receive even if it’s knowledge to help me succeed on my journey.