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The freedom is worth every extra dollar though. I can paint walls, have a dog, play music at midnight. After 6 years of apartment living the privacy alone is priceless.
Check your insulation. Seriously. Had an energy audit done and found out my attic insulation was garbage. Got it blown in for $1,200 and my summer bills dropped about $80/month.
How big everything is. Nothing is close. Even the grocery store is a 15 minute drive. Coming from a walkable city this took serious adjustment.
How genuinely friendly people are. I was suspicious at first. Turns out people just wave and hold doors open here. It's not weird, it's normal.
Bought a home warranty for $600/year. Covered the AC repair and a plumbing issue in the first 6 months. Paid for itself twice over. Get one for the first year at least.
Allergies. Cedar fever in winter is not a joke. I never had allergies anywhere else. Moved here and now I want to die every December through February.
Any medical facility. Not as a doctor — as everything else. Phlebotomy cert takes 4 months and pays $18-22/hr. Medical billing is similar. Hospitals are desperate for support staff.
It's not theater. Something like 60-70% of people who protest get a reduction. The appraisal district overshoots on purpose because they know most people won't protest. Don't be most people.
Emergency fund before you buy. At least $10K set aside for repairs. The AC, water heater, or roof WILL need attention in the first 2 years. Guaranteed.
Nobody ever includes property tax and insurance when they compare mortgage to rent. With those factored in, my "cheaper than rent" mortgage is actually $500 more than my old apartment.
Got dashcam footage that could fill a YouTube channel. Front and rear cameras are mandatory equipment in this state as far as I'm concerned.
The lawn thing is SO real. My water bill in August was $180. For GRASS. I'm seriously considering xeriscaping the whole front yard.
For COBRA — check healthcare.gov first. Losing your job qualifies you for a Special Enrollment Period. ACA plans might be significantly cheaper than COBRA depending on your income.
First time I protested I was nervous. The informal hearing took 12 minutes. The guy looked at my comps, agreed I had a point, and dropped it $25K. Easiest money I ever saved.
Look at healthcare and government tech roles. They're not as flashy but they're still hiring and they don't lay off every 6 months. Stability matters when you've been burned.
This is why I specifically bought a house with no HOA even though it meant a longer commute. My trash can sits wherever I want and nobody sends me letters about it.
The bathroom thing alone justifies its existence. After driving 3 hours on a Texas highway I would pay $5 just for a clean bathroom. The food is a bonus.
I used one of those companies that does it for you — they take 25-30% of savings. Got my value knocked down $40K. Worth it because I hate doing paperwork.
My barber recommended a BBQ spot that's been open since 1991. Went there. No signage. Just a smoker and some picnic tables. Best ribs I've had in this state.
Skip the job boards for the first week. Reach out directly to everyone you know. LinkedIn connections, former coworkers, friends of friends. 70% of jobs are filled through networking and that's not a cliché.
The merge thing is the real danger. Who taught people to merge at 40mph onto a 75mph highway? That's how accidents happen.
Pro tip: photograph every flaw in your house. Cracked foundation, old roof, stained carpet, outdated kitchen. Bring photos to the hearing. Condition matters.
Protested 5 years in a row. Won every time. Average reduction of about $20K in appraised value. The informal hearing is where it happens — bring your comps printed out and be polite.
I found a garage apartment behind someone's house for $950/month. Private entrance, quiet street, great neighborhood. Wouldn't have found it on any apartment website.
The unequal appraisal argument is your best weapon. If your neighbor's identical house is appraised at $50K less than yours, that's hard for them to justify. Use their own data against them.
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Activity
Rep Breakdown
30,970 from posts · 16,222 from comments
Streak
Best Post
Most Active In
Tea & Receipts60 postsAchievements
Tier Progress
50 rep to Regular