This is so relatable. I moved into my house last year after 2 years of building it. Prior to that lived in really bad conditions and home owning was the only way we could afford to change that. Since then, our monthly mortgage payment arose to 250% of what it was supposed to be when we signed it. I work non stop and can barely afford anything other than the mortgage and very basic needs. It's no fairy tale. It would be, if I didn't have to work 24/7 to afford it. It is what it is.
I think your approach to money is very ethical, fair and realistic. You simply *need* to charge more in order to survive & still have some time to rest and regenerate. It does feel uncomfortable, and it absolutely sucks that it's impossible to be broadly affordable/accessible & still have your own basic needs met. I really need to start learning to reach for more because I've no idea how much longer I can do this. So happy this dropped in my email box just when I was overly worrying about finances. Divine timing. Thank you, Kelsey!
I can totally relate to your story. For me (in the US) I got really close to buying a place. Interest rates were low and I could have purchased something in a small town. My boss at the time, however, wouldn't approve my working from home permanently so I couldn't move away. I changed jobs to be fully remote but by then the interest rates had gone up and I got priced out. Now I can't afford anything in any place I would want to live. So, I'm trying to re-frame my goals and feel happy about the fact that I may never buy. Looking at the advantages of renting and being able to move to different cities because I'm not tied to anywhere. Still, I can only afford to rent an apartment and I would have given anything to have a garden and for my dog to have a yard.
Everything feels like such a mess right now. Prices for housing, food, gas, everything keeps going up and up and up, so of course service providers such as yourself have to up prices - but where's the increase in wages? Why can't people afford down payments on houses anymore? Why is childcare financially out of the question for so many families?
This is so relatable. I moved into my house last year after 2 years of building it. Prior to that lived in really bad conditions and home owning was the only way we could afford to change that. Since then, our monthly mortgage payment arose to 250% of what it was supposed to be when we signed it. I work non stop and can barely afford anything other than the mortgage and very basic needs. It's no fairy tale. It would be, if I didn't have to work 24/7 to afford it. It is what it is.
I think your approach to money is very ethical, fair and realistic. You simply *need* to charge more in order to survive & still have some time to rest and regenerate. It does feel uncomfortable, and it absolutely sucks that it's impossible to be broadly affordable/accessible & still have your own basic needs met. I really need to start learning to reach for more because I've no idea how much longer I can do this. So happy this dropped in my email box just when I was overly worrying about finances. Divine timing. Thank you, Kelsey!
I can totally relate to your story. For me (in the US) I got really close to buying a place. Interest rates were low and I could have purchased something in a small town. My boss at the time, however, wouldn't approve my working from home permanently so I couldn't move away. I changed jobs to be fully remote but by then the interest rates had gone up and I got priced out. Now I can't afford anything in any place I would want to live. So, I'm trying to re-frame my goals and feel happy about the fact that I may never buy. Looking at the advantages of renting and being able to move to different cities because I'm not tied to anywhere. Still, I can only afford to rent an apartment and I would have given anything to have a garden and for my dog to have a yard.
Everything feels like such a mess right now. Prices for housing, food, gas, everything keeps going up and up and up, so of course service providers such as yourself have to up prices - but where's the increase in wages? Why can't people afford down payments on houses anymore? Why is childcare financially out of the question for so many families?