Last night I saw “Rachel Getting Married,” which is about a drug/alcohol addict attending her sister’s wedding. Not surprisingly, the movie did make me want to drink (and thank goodness I had a bottle of prosecco chilled, of which I took a big swig straight out of the bottle, causing the Boy to ask, “Did you just take a pull out of the bottle?”
“Well, I knew you weren’t going to drink any, so yeah,” I replied. Drinkly bubbly straight from the bottle is one of my guilty pleasures. Oh, yes, it’s civilized to drink it out of a glass, but swigging it from the bottle seems like you’re breaking a rule).
The movie also inspired how I’m writing this entry.
Hi. I’m Jill, and I’m a renter.
Just as addicts have the stigma of addiction, I have the stigma of making it to my mid-30s without becoming a home owner. This, of course, in America is wrong, because I should be pursuing the American Dream, which is not, as the Library of Congress documents, a rich and full life; rather, it is home ownership.
Yet, even as the government pushed for loans for lower-income people to buy houses, folks like me and the Boy, who earned too much money to qualify for government loans but not enough for us to feel comfortable taking out a mortgage in order to afford a place in a decent neighborhood, got screwed. We could buy a house–a ticky-tacky McMansion next to the highway in an exurb of Chicago, or we could rent and have access to things that would enrich our lives. We chose the latter.
Of course, we could’ve have made home ownership our main goal. We could have curtailed going out, introduced more ramen and microwave burritos to our diet, and saved most of our paychecks. Or we could’ve taken on a big mortgage(s) and/or Private Mortgage Insurance and/or had a place with rooms we couldn’t afford to furnish. We thought it might be nicer to see Ireland, Germany, Japan, and Canada, maybe enjoy a nice cocktail now and again, and make sure we had no credit card debt.
Which is how I’ve made it to my mid-30s and still rent.
However, I don’t think that I should have to feel bad for not owning a home. I still want a decent place to live. I still want a nice community. And I still want to own a home someday–though I don’t want us to get in over our heads because of the need to own a house. So while I save some cash, I keep in mind the nicer parts about being a renter:
1. If the place sucks (buyer, beware!), you can move out in a year. Home owners have to find a buyer first–and oh, look, nobody’s buying homes right now.
2. I don’t have to worry about finding a decent plumber, electrician, or handyman, or having them on my speed dial.
3. If something big breaks, I call someone else to fix it, and I don’t have to pay anything (this came in handy once when in my last apartment, the refrigerator conked out, AND the entire kitchen floor had to be replaced. I’m not talking about the linoleum, I mean the whole floor because it was sagging in the middle and threatened to collapse into the apartment below me. I can’t imagine how much that would’ve cost me to fix).
4. No associations I’m forced to join and pay fees to.
5. Also, no special assessments and taxes.
6. I can afford the rent.
7. I’m not worried about the foreclosure crisis (which, if housing was a bit cheaper and money wasn’t so easy to get, might not be that much of an issue).
8. No yardwork.
9. I can try out different neighborhoods.
10. No worrying about the resale value of the place.
Oh, I understand there are plenty of drawbacks to renting too, but it’s not as bad as it’s made out to be. Paying rent isn’t necessarily “flushing money down the toilet,” as I’ve heard. Yes, you have an asset when you want to sell, but it’s only worth what someone else is willing to pay. We’re seeing now that people aren’t willing (or able) to pay as much as they would’ve in the past, so some homeowners are losing on their “investment.”
I may not own the roof over my head, but I still take comfort in feeling that I’m living the American Dream as it was originally intended, and I feel that’s what we should all strive to do.





