What do I have to say to convince my hubby to buy a house?
I’ve been married for 8 years, no kids. We’ve rented apartments and townhouses in cheap neighborhoods and I’m tired of it. I want a place that I can decorate with colors and furniture and improve on without the landlord’s rules.
I’ve done the research thats shows in 2 years it’ll cost us the same to rent vs. buy. But my hubby says that I’m being materialistic because I want to own my own place. He says that I should be content with what I have. He doesn’t see owning as an asset, rather, he sees it as only being a debt to the bank. We are in debt (including vehicle loans) for about $30,000. we make well over $70,000 a year, and we’re very capable of paying our bills, but he doesn’t want a mortgage.
Am I missing something? I don’t think it’s wrong/materialistic to want to own. What do I have to do to get him to see the value of owning a home?
As a Realtor, I deal with this every day.
One Answerer was right: TAX BREAK. But she didn’t go far enough. Once you start itemizing so you can claim ALL of your mortgage interest as a deduction (which is most of your house payment), you have opened the door to an amazing menu of deductions that weren’t worth the effort before. Go through a Schedule A (get it at irs.gov) and check out all the deductions available.
Also, your house will appreciate in value, unlike any other investments you may have. It represents the largest part of most Americans’ total wealth — and for a reason. You can use the equity in your home to buy other things, or sit quietly on it and have a nest egg. There is no other form of investment that is as secure in the long run as land. There is only so much, you know.
Decorating and such is superficial. You need to understand how owning real estate can make or beak you, financially. Do the research and present it to him.
“It’s just a fact, Ma’am.”
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