To be or not to be . . .

house poor? That is the question.

Patrick and I have never been incredibly careful with our money. I know that sounds awful, but we don't really have a budget. I mean we know what we can and can't spend overall, but most of the time if we want it we buy it.

Enter" over-budget" house plans that could lead to a house payment that messes with our budget free way of living. Fact is the house is over budget. We still don't know by how much. What we do know is that we don't have a lot we want to cut. We don't want to compromise. This may not be the house we plan on dying in, but we do plan on living here for many years.

Sometimes when I think of all the money we've spent on vacations, computers, etc. I think, "well, that was our down payment." But then I think about how great all those vacations were, and I don't regret them for one minute. Even if it means we don't have as much cold hard cash for the house as we would like.

So what's the solution? Well, the obvious solution is to wait for a little longer and put more in savings. Of course, the obvious solution stinks, but it also makes the most sense. The only other solution would be if by some miracle the final numbers came in lower than we think they will, and we can continue to move forward without delay.

We have the lot to build on. We have the plans. So now I guess we just wait. Hopefully, we can work this out. Because y'all I have a shopping addiction, and I don't want to be house poor.