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Several things happened over the past few days. 1) I talked to a loan officer. 2) I discussed my situation with a friend. 3) I confided via email in another friend, who lives across the big pond and has known me for over 20 years - and she promptly wrote me back. And, as a result of all these conversations, I understood the following:
1) My negative feelings associated with the whole 'buy an apartment' project had nothing to do with the practical or financial side of the matter. They had everything to do with, a) my fear of change, b) my fear of stress and responsibility, c) my strong allergic reaction to my mother and her aggressive 'methods of persuasion', so to speak.
2) It IS, indeed, within my means - with very little help from my parents, if any - to take a loan for a one-bedroom apartment (let alone a studio); if I'm lucky, the monthly fees MIGHT even be lower than my current rent.
3) Once I've had some time to mull this over, I'm not so terribly scared and overwhelmed by it any more. Just a little nervous, frankly. Or very nervous, but in a sort of almost-excited way, lol. I STILL would have preferred to do it at my own pace - but I do realize that the housing prices might not oblige by staying ridiculously low for as long as it takes for me to feel 'ready'.
4) If my mother hadn't been the first/only person who tried to talked me into this, my emotional attitude would have been totally different and I probably would have done it by now.:P
4) I know I'm rationalizing to some extent, now that I've pretty much decided to go on with the plan - but I no longer feel like I'm doing this 'just because my mother said so', and it makes all the difference in the world. Funny that. *sarcastic smirk*
That's it for now. Feel free to sigh and shake your head, dear reader, as you see fit.;P
1) My negative feelings associated with the whole 'buy an apartment' project had nothing to do with the practical or financial side of the matter. They had everything to do with, a) my fear of change, b) my fear of stress and responsibility, c) my strong allergic reaction to my mother and her aggressive 'methods of persuasion', so to speak.
2) It IS, indeed, within my means - with very little help from my parents, if any - to take a loan for a one-bedroom apartment (let alone a studio); if I'm lucky, the monthly fees MIGHT even be lower than my current rent.
3) Once I've had some time to mull this over, I'm not so terribly scared and overwhelmed by it any more. Just a little nervous, frankly. Or very nervous, but in a sort of almost-excited way, lol. I STILL would have preferred to do it at my own pace - but I do realize that the housing prices might not oblige by staying ridiculously low for as long as it takes for me to feel 'ready'.
4) If my mother hadn't been the first/only person who tried to talked me into this, my emotional attitude would have been totally different and I probably would have done it by now.:P
4) I know I'm rationalizing to some extent, now that I've pretty much decided to go on with the plan - but I no longer feel like I'm doing this 'just because my mother said so', and it makes all the difference in the world. Funny that. *sarcastic smirk*
That's it for now. Feel free to sigh and shake your head, dear reader, as you see fit.;P
