I graduated from UNCG in North Carolina with my Bachelor’s Degree in 2019, and found a job right as the pandemic began in 2020. I had my first two years of school paid for by academic scholarships, and I was inducted during my tenure to the University Marshals, which means I was in the top 0.67% of students (100 out of 16,700)
The first job to hire me post graduation rescinded their offer in response to the pandemic affecting their finances. I scrambled to find another job, on unemployment in the meantime. I was in a temporary living situation, and ended up signing a year long lease at my current apartment.
My current apartment has given me the determination and proactive drive to want to buy my own property so badly. Within a few months, my neighbors from down the street began threatening me while I walking my dog, even though I keep to myself and I’m at work all the time. I’m scared of retaliation, and there aren’t cameras here. I have been diagnosed with depression and general anxiety disorder since I was 15, and it’s been steadily worsened with traumas I experienced post diagnoses. My apartment has become my nightmare. It is no longer my safe haven to go to. I hate it here. Also. There is black mold growing – everywhere. My dryer line is collapsed so I have to use an indoor dryer lint trap in order to not break my SECOND dryer. (The dryer line broke my first dryer)
Me being rushed into this apartment has caused me to have the worst year of my life, during COVID-19. Because my dad claimed me on his 2019 taxes as a dependent (I was a student, and I was on their insurance until this past month) I didn’t get any stimulus checks. I also have to pay back on my unemployment I drew during the beginning of the pandemic. Because I drew quite a bit – with extra $600 weekly for 2 months. Until I got employed, I have to pay all of those taxes back now.
However, despite the odds I’ve decided I want to buy a home. I’ve worked very hard to coupon for the past couple of months, I also downloaded apps like Ibotta and Fetch to use profusely and try to get rebates or rewards. I’ve completely cut out any type of extraneous spending, and only buy necessities. I’ve switched to cheaper/generics of many things too. I’m being more conscientious of my utility usage in my apartment, however the foundation is falling apart so I have to stuff scarves in my door frames and buy moisture absorbers. The window panes keep condensation due to the sealant being torn. The landlord will not fix anything, so I’m just having to wait until my lease ends in the end of May this year (2021) to get out. Me and my dog Chili. I just want a small trailer or bungalow under 100k. I have great credit, only 15k student loan debt, and 1k credit card debt. With a full time job I really think I can do this. I am just terrified that because it’s a seller’s market I will lose a chance – I was counting on using an USDA loan, 0% down. Most homes are not going to be eligible. I may not be able to afford or find something by the time my lease is up. I’m hoping to build my savings more in case I need a down payment for a different mortgage loan. All I want is to have a safe place for me and my dog again. Anything helps in these hard times and anything is always appreciated.