The Husband and I had a long talk last night about the house. If you don't know us, personally, let me introduce myself: I am decisive. When I make a decision I hit the ground running. The husband needs time to "marinate" on most decisions in his life. He marinates for days, weeks, months....
This house came to "be" on quite a bit of impulsiveness. Not that we weren't founded, financially, for a decision like this... but it happened very quickly. We weighed our options, make some decisions, and jumped. Together.
Last night we were talking about his concerns (that have been marinating since we signed the contract in February) - and it all hit me like a mac truck.
oh. my. god.
we are buying a house.
we're spending a lot of money.
this is a huge commitment.
this could/will impact our future finances forever.
what if 'x' happens?
what will we do if we have an unplanned 'y'?
how will we manage the mortgage without 'z'?
Now, let me assure you that we are financially sound. We had already thought about 'what ifs' and our plan if x, y, or z happens - but it never seemed like reality. For some reason, last night, everything felt like a reality. A big, heavy, reality.
I guess this is part of the process. I've never had a mortgage before. I've never had to write a down payment check with seven figures. I've never had to commit to anything (other than my husband) for 30 years. This is all new and exciting, although suddenly: very scary.