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Site Loader
Posted on May 17, 2022

life in the american dream

The more money you make, the higher your bills will be. You can buy a house, a new car, lend money to others and increase your debt. When I built my house, I thought, I was doing a good job. However, the American dream turned into an American nightmare. You should always save money, not spend it.

Credit… I started building my credit as soon as I turned eighteen. First, I took a truck loan from my grandparents. It was only for eight hundred dollars but I made the payments on time. This is essential to obtain good credit. Next was a credit card, and then a lease on a Ford Explorer. Neither the credit cards nor the vehicle were worth the money. Finally, I bought a house. After four years of payments, my credit score was 850. Wow!

The house… It was a mess but it can be remodeled. I bought it for 20k. It was an old mill house moved to the country. Use a charger to clear trees and vines that have grown around you. However, it was close to my father-in-law’s house and my wife had to have it and you should always choose a good neighborhood to raise a family.

Loan…After several years, I decided to take out a loan to finish the house. To get a loan, you need good credit or collateral. It is an advantage to use the network. As for me, I met the loan officer’s wife and went to school with her daughter. The bank only required a contractor to do the work. I got three offers and got a loan for 45k. Always read the fine print known as subscription.

Contractors… The first contractor turned out to be a snake. He cut corners and lied about how much things were going to cost. The workers he hired never finished any projects and stole all the tools that belong to me. It didn’t last long. The bank thing is the next contractor to finish the house. This contractor was the most expensive of the three bidders. Unfortunately, he was not much different. He cost me another 45k. To choose a good contractor, ask what they are doing and how much it will cost. The more communicative they are, the better.

Nightmare… Through all of this, I was paying interest on the loan. Paying rent for the mobile home, I was staying at the time. I also helped out by working on the house whenever I had free time outside of my full-time job, to reduce the cost of construction. It was overwhelming. After I finished the house, my payments increased dramatically. Eventually my payments fell behind and I lost my good credit score. It feels like I’m standing on a chair while someone kicks my legs out from under me.

Now, I’m in disarray, getting up to get back on the chair with a dream that this is just a nightmare.

American dream… All my life I lived in a mobile home. All I ever wanted was a house growing up. Now that I have one, this dream is a nightmare. The American dream is just what it is, a dream. All these problems is what you call living the American dream.

A funny story… A long time ago, a family built a house. The day they completed the house, they had a party. They got into a fight and burned it to the ground. This is my family. Hahaha!!

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