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Cake day: December 4th, 2024

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  • Assuming you’re in the US you should know that first time home buyers can put basically 0% down. You need to pay mortgage insurance until you hit 20% equity in your home but that isn’t terribly expensive when you compare it to the mortgage, insurance, and taxes. The 20% down rule is really only if youre selling an existing property to buy a different one. No bank is expecting a first time buyer to put 20% down.

    I want to say the total amount I paid out of pocket at closing for my house was like $3000 back in 2018. So it’s still spendy but the down payment isn’t as much of an obstacle as people make it out to be. The bigger obstacles are just having a good credit score and a history of stable employment.




  • My 5’x4’ bathroom has 3 seperate circuits feeding it. There is one circuit for the lights, one for the fan, and one for the single outlet in there. Those are the only things on those 3 circuits.

    My basement has fully wired electrical outlets in the walls that were just sheetrocked over when the previous owner “finished the basement”.

    My basement has an electrical outlet on every other stud throughout the whole thing; they are all on the same 15A breaker.

    The the upstairs bedrooms are on seperate circuits except for one outlet on the north wall of each bedroom which both share the same seperate circuit.

    I think my house was wired by M.C. Escher.