Posts Tagged ‘Below Market Housing’

What Would You Buy

January 8, 2019

With one dollar?

He asked me to write it down on the note card.

Then he asked what would I buy if I won $10, then $100.

Then $1,000.00

And $1,000,000.00

And also.

$10,000,000.00

My friend had talked me into buying a couple of lottery tickets right before New Years, he always does around New Years and at first I balked.

“You’re one of those people,” my friend told me, we were just leaving Reno.  She had been working at a casino in Wisconsin and was driving cross-country with me to help me move to San Francisco from Madison.

“What do you mean?  I’m one of ‘those’ people,” I asked, but you know in my head I think I sort of knew.

“You’re one of those people that they warn us about at the casino,” she finished.

“Really?  Come on, how can you tell after twenty minutes of me playing slots?”  I asked skeptical, but as I mentioned, perhaps there was a little inkling of knowing what she meant.

She broke it down and yup, I pretty much qualified as one of those people.

I still do.

Which is why I’m pretty careful about not gambling, playing the lottery, buying scratcher cards, going to Reno or Vegas for a fun weekend of playing slots.

Nope.

Something inside gets a little wacky.

Gambling can easily become an addiction and I found out later in life that my mom had a gambling addiction in addition to a few other things.

Some things run in the blood.

So when my friend was like, hey just buy a lotto ticket, its tradition, I balked at first.

Then.

He explained himself and I thought, ok, maybe.

I bought two.

I didn’t win.

But for a day or two occasionally I would think about what I would do if I did win.

Pay off my student loans.

And my best friend’s student loans and probably a few friends in my Masters degree cohort too.

I would definitely quit working, as a nanny, I’d still work as a therapist, I think its important to give back and I’m a good therapist, and I think that having something constructive to do is important.

I would travel a ton.

I would go to Paris and take the Belmond Simplon-Orient Express from Paris to Venice.

And I would upgrade to the suite, which is 3,500 Euro for one way.

God it’s a pretty train, all art deco and fancy and stuff.

Then Venice.

Which I have always wanted to go to and have not made it there yet.

I would get skin reduction surgery for the excess skin I have from my weight loss.

I would buy some pretty clothes.

I would buy a flat in Paris.

I would buy a house in San Francisco.

I would buy a house in San Francisco.

I’m going to buy a house in San Francisco.

I have been writing an affirmation now for a few years every morning in my writing that goes something like this, “I own my own home in San Francisco.”

It really has seemed a bit of a pipe dream, even though I had someone tell me to look them up when I entered my Master’s program when I was ready to buy a house.

She was assuming I would eventually come into a decent amount of salary becoming a therapist.

I’m not quite there, but I am beginning to taste the reality of it.

I actually think I can buy a house.

I really do.

Even here.

In the most expensive market in the United States.

This feeling is pretty new to me, only having happened in the last 24 hours.

Yesterday I had  a huge resentment surface around my current landlord.

There is a gigantic water leak in my hallway entry, a leak that was not just drip, dripping, but literally soaking the hallway to my studio.

Granted.

There is not an actual leak in my studio, it’s dry, but the hallway from the entry door to the studio is sopping wet and my landlord happens to be a contractor, I was aghast when it happened a couple of weeks ago and even more so yesterday and the day before.

I got angry about it.

It’s pretty obvious that he’s not doing a thing about it and it’s rather disgusting to walk through.

That and I’m pretty sure, though I haven’t quite figured out what the correct amount is, that he’s overcharging me utilities.

I made a call to the Tenant’s Union last night to go over a few things–like I don’t have a heater in the studio, which I found out was illegal, and it’s been super cold.  I bought out-of-pocket a space heater, but it doesn’t seem much of a solution and apparently my using it is blowing up the utility bill.

Something smacks weird in all this and add-on to a few drunken loud parties, pot smoke in the garage leaking into my bathroom, and some domestic fights that I have heard and I had pretty much made the decision yesterday that I was going to honor my lease but after it was up, get the hell out.

It’s just not quite the right fit.

It’s better than what I had and I will be honest I looked past one red flag that I probably shouldn’t have.

I did some inventory around it and discussed it in detail last night before doing the deal up in the Castro.

One thing that came out is that I have been practicing faith around my finances instead of fear, I have for a few weeks now.

The buy out monies that I pre-paid the first six months of rent will run out in February and I will have to pay rent out of my pocket and I’ve been concerned.

Afterall.

It is $1,000 more than what I was paying.

So I have been doing contrary actions.

Tipping more when I get a coffee or going out to eat, and I’m a good tipper (once service industry, and I did it for two decades, always service industry), giving a little more when asked, paying my bills early, making a car payment when one isn’t yet due, etc.

Believing that I will have enough and acting as thought there is more money coming in.

Yeah, I was miffed about the utility bill and my landlord saying I owed more, I mean, dude, you owe me a heater in my unit, you should pay the fucking bill, is what I wanted to say, but I also did restraint of tongue and pen and text and figured it would be much better to talk with the Tenant’s Union before I talk with my landlord.

I just paid the bill, wrote a check, and I also said, I’m still going to use the space heater.

The studio is god damn cold.

It’s winter.

It’s been a cold winter for San Francisco and the unit is not insulated, so even when it warms up it doesn’t hold it for very long.

Anyway.

After I got my anger out and had a good talk and then listened to a good talk, I said I was going to have the faith that I didn’t have to actually look for a shitty place, I will be able to afford something better.

Then my person said, “why don’t you just buy a house?”

I was like, Jesus, you’re right!

I am going to buy a house.

The lottery ticket, like I said didn’t yield a win, but it did put the desire to be a homeowner square in my face and I have thought for a long time that I might be crazy, but somehow I was going to end up owning a house in SF.

San Francisco has a Below Market Housing lotto for new homes that are built to accommodate those in the city that can’t afford to buy market rate houses.

I have to attend six hours of workshops and do a 1 on 1 counseling session before I can enter the lottery, but once that’s done, I can apply to every listing that goes up.

Guess who signed up for their first workshop last night?

Yeah.

That’s right.

And I have this feeling.

I really do.

I am going to buy a house.

And it’s not that far away.

I can feel it.

Seriously.

 


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