About 10 years ago now I personally went through one of the most fearful times in my life with one of my children. In the middle of the night as she lay next to me she let out a scream and I knew in my mommy brain it was her last breath. It was an extremely long exhale that made me inhale right before a very loud scream came out of my mouth. As her dad came rushing in the room to grab her and carry her outside, I called 911 and in an instant our lives went from normal parents that worried about fevers and coughs to parents that hit their knees and prayed for survival of their 1st child.
She did survive and in fact thrived and is an amazing 10 year old now but for the following 2 years we went through many many many nights of seizures, sleeplessness, neurologists, doctors, anxiety, tests, exams and most of all fear. We lived everyday so scared of the outcome. Wondering what the evening would bring, what would happen when night came and what if we fell asleep to hard and what if she was with someone else when something happened and what about the sick people that she came in contact with and what if,what if, what if.
After extreme exhaustion and fear had taken its toll on us we were nothing more than a shell that held functioning organs. There were prayers being prayed that came straight from the heart but no faith was to be found only a scarred tremble that remained that uttered words to God about things similar to “please dont take her tonight”. One night as we were preparing her medication, which is a story all on its own, we all of the sudden both spoke words of fearlessness to each other. No question, God was in the kitchen with us that night as we made the choice to no longer live our lives in fear. We would no longer make decisions out of fear and we would start to live again like we had faith in the God that we talked about.
This was not an easy step. In fact is was a lot more like a long long marathon that had hurdles every 5 feet. I couldnt get passed one fear before another one came flying at me. There is a comfort in fear and once you grab on and start to take hold of it and let it run your life you begin to live in it and start thinking life wont go on if I dont have some kind of anxiety throughout my day. Its a life source, an adrenaline rush that makes you feel alive when nothing else does.
So for us to decide that we were taking a step back meant that for years we would struggle to let things go and let God be God and we would not react out of fear any longer.
As we began this journey and as we continue through it, it has been amazing to see the changes that have taken place. The amount of love that has been dished out over the years inside of our family and community is nothing to shake a stick at.
We didnt know the choice we made back then would have the effect that it has but it has traveled far beyond our parenting style. It goes beyond our family and friends.It has taken hold of every choice that we make and every step that we take. We have truly replaced fear with love. When you do that and you choose that path it creates bridges and tears down borders and barriers. There is nothing that could make us go back, there is no retreating to safety.
In the light of recent events in our city it reminds me of that place, the marker in my life where we made that choice. The place where its so easy to choose fear and to retreat back to a safer place but it also reminds me of the amount of love that we have to share and the reasons why we choose this place to raise our family. There is no place like Austin Tx. The amount of diversity and expression and compassion and fearlessness of this city is exactly where I want to be. The fear of death can’t take that away, in fact its even more reason to cross those barriers and love someone well today. Someone who doesnt look like you or act like you or share your opinions on life or politics or religion.
LOVE is GREATER than FEAR!
Reach out and love on someone today in fact, do it everyday. Make it your lifestyle, your motto, your routine.
This whole thing reminds me to be braver and bolder than I was yesterday. To raise children that dont know how to do life any other way than out of love.
The next generation is watching, if we fail at everything else but we love well we will have achieved more than we will ever understand.
At this point you've had a couple of weeks to settle in to the new year. Unless you're a sceptic that refuses to make these resolutions, you have some things that you have resolved to change about yourself and/or you circumstances in 2018. After a couple of weeks in your new routine you may have decided that you're going to give it up (this is 90% of people).
Well, I thought it'd be a good idea to talk about what a resolution is and give you some encouragement to keep at it. Remember, 90% fail so 10% must make it work!
Let's break it down.
Wikipedia says a resolution is:
The act or process of resolving: such as
a : the act of analyzing a complex notion into simpler ones
b : the act of answering : solving
c : the act of determining
The all time favorite resolution, the NEW YEAR’S RESOLUTION is no different. It is an act of determination, solving problems and resolving complex notions into simpler ideas!
That's easy enough, right?
Deep inside we all get excited and filled with hope for what the new year will bring. It’s a renewing in your spirit to decide that from here, this very moment at 12am things will change and I will no longer be satisfied with the pumpkin but will become the princess/prince.
All though a great thought process the issue would be, how to turn the pumpkin idea into the princess/prince lifestyle for good.
So let's take a look at what the famous princess did to make those changes stick.
Much like the fairy tale, Cinderella had to get real with herself and come to the realization that her worth was far greater than what she had settle for.
Then she had to get honest with everyone else. She had a taste of what her life should have been like but just as quick as it came it left. How was she to get back to where she knew she was supposed to be.
The new year is a great time to take an honest look at yourself. What have you settled for that you shouldn't have and what you want to do to change that?
When you look at your life do you see the pumpkin or the Prince?
In terms of real estate, we have done the math and conquered the big obstacles (those evil step sisters) and objections to becoming a homeowner. These things will weigh you down and discourage you. They will knock you off track if you let them.
The good news is even at minimum wage you, yes you, can have your own piece of the pie. Is that hope for 2018 or what?
I talked with Brian Dorsey of CMG Financial and these are some things he recommended to do this year to get you on the path of homeownership in 2018. Brian doesn't believe in the pumpkin lifestyle. He believes you can and with help, you will accomplish all you set out to do. He believes this because he's seen and helped many homeowners do just that!
So let's get to it!
#1. Write down your entire budget.
This should include everything from your rent to your Netflix subscription.
#2. Do not base the size of your house payment solely on what you can get approved for.
You want to make sure that your payment fits inline with that budget we just talked about. You don't want to do all the work to get in the palace and not be able to live like the princess/prince.
#3. Learn about property tax rates in neighborhoods you are interested in purchasing. This can affect your monthly payment substantially.
Taxes across Texas range a great deal so make sure your ideal neighborhood fits in your budget.
#4. Pull your mortgage credit report (much different than a consumer credit report like credit karma). Make sure your report is accurate.
This ties into #6. Make sure you talk with your mortgage banker before you go looking for your palace.
#5. Evaluate your outstanding debts to see if there are items you may pay off to lower your debt to income ratio.
This is something that the majority of people don't think about on a daily basis. Keeping your income to debt ratio in check is vital when buying a home. Keep as much cash flow as free as possible.
#6. Consult with a mortgage banker before making a decision. There are possible actions you can take to receive a better interest rate or terms.
This may sound like it's not a big deal but in reality if you can pay off your home in 15 years vs 30 years or get an interest rate that allows more of that free cash flow, that will make a world of difference in your lifestyle.
CMG is a great resource for counselling on all of these things. They have worked with clients over a year to get them to an optimal buying position.
You can find out more about CMG Financial and Brian Dorsey right here.
So what do you say we take 2018 to new heights. Set new standards and don't settle for the pumpkin this year. Let's work together to make 2018 a year that the slipper fit just right and you took your rightful place in your own palace.
Lesley Estes Perez
Contact Me Today
Let's find you the right home at the right price.