As I mentioned in the last post, one factor that helped us decided to downsize was that we could pay off our house.
We had been using the captain’s bonuses to pay down our smaller home which we had been renting out for the past seven years. (We had chosen to pay down our small house first since it was far less daunting than paying off the mortgage on our larger home.)
Because we had been steadily paying down our smaller home, we realized that if we sold our large home, we could use the cash to completely pay off our smaller home and still have some cash leftover for emergencies.
It was a no-brainer right?
But we still had some real concerns. We were moving to be closer to work, yet we were just moving ten minutes up the street. What would our friends think?
And what would the people think in our new/old neighborhood? “Yeah, so we left you guys seven years ago, but then we decided we’d pop back in for a while—-or maybe forever. We’re not sure yet.”
And then there was the fact that the smaller home was a split level, which was not exactly compatible with my ADHD brain, a brain which also has a lot of split levels. And wouldn’t we be just too crowded? Would the kids be fighting all the time? Could we fit around our dinner table? Would we ever host again?
And what about the captain’s work? Weren’t we trying to increase his quality of life? We would be moving a little closer to his work, but he would still have a half hour commute. There was potential here. The captain loved to bike and the bike trail near our house went fifteen miles closer to his work and ended at a Front Runner station. Could there be some kind of mixed biking/commuter train combination that might just work?
And then there were days where I just didn’t want to move at all. We loved our neighborhood, our friends, our children’s friends, and the thought of leaving them behind was just too sad.
We still didn’t know what we were going to do a week before we had to move. Our renter was moving out in a few days, and we were tempted to say, “Could you not move out until we have this thing totally figured out?” We looked at houses the Monday before the movers were coming. We found one closer to the captain’s work (about a fifteen minute commute), got all excited about it, only to discover that there weren’t very many teenagers in the neighborhood. The HOA fees were kind of a drag too, and there were no trees.
The captain advised me that it might be a little late to be looking, and we should just move forward with our plan to move in to our smaller house and pay it off. So we did. That’s in the end was what helped us finally decide. We were out of time.
What do you think are the most important factors in choosing where to live?