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Resolutions

I don't really ever make New Years Resolutions, but maybe I should.

1. Become financially stable. Get own place.
I think this is achievable. I've saved up a chunk and I'm going to save up a little more and then get a house! A little mid terrace in Barrow would only be 55k or so, So it's not too crazy to save up for the 10% down for that, and the small mortgage would be better than pouring rent into somebody else's pocket. Steps are:
-Get an agent or become member of some kind of illustrator's guild.
-Send off more pitches rather than sending one off and getting really dejected waiting forever for response. If they don't respond, whatever. It's their loss.
-Don't be so precious about making stuff that is clever or revolutionary; no matter what people SAY, most of them actually just want cliched cheese and pretty characters and sometimes you just have to show you can deliver that.

2. Stop spending so much time on unpaid hobby projects and spreading attention too thinly.
This is easy in practical terms, but it's hard teaching myself to say no. I just always want to be involved in everything and it's a bad habit that stems from natural curiosity mixed with my insecurities.

3. Stop being so stressed and anxious about EVERYTHING.
There are things I can help with and things I can't. I'm not a superhero.

4. Try to do something awesome every day.

5. Try to be less of a derp. Be more honest with self about feelings.

Comments

( 11 comments — Leave a comment )
caseybrienza
Dec. 29th, 2011 03:38 pm (UTC)
Good luck with the resolutions. Still thinking about whether I want to bother myself... :P

BTW, isn't it normal to put 20% down on a mortgage?
darth_mongoose
Dec. 30th, 2011 06:37 pm (UTC)
I think mortgage down payment depends on a number of factors? I get a good deal on my mortgage if I get it through my bank because I've been a loyal customer for a long time.
caseybrienza
Dec. 30th, 2011 06:40 pm (UTC)
Huh. Must work differently than in the US (where it's standard to put 20% down to get a reasonable fixed rate mortgage, and anything more "creative" is what got the world into our current financial crisis in the first place).
darth_mongoose
Dec. 31st, 2011 12:10 pm (UTC)
Houses are cheaper in the US. Having mortgage money down the same here would make it impossible for most people to get on the property ladder.
An average house in the US costs about 100k in dollars. That's about what, 70k in pounds? That's a pretty cheap house here, like an end of row terrace in a relatively cheap area. Or even a really crappy flat in a lot of cities. It wouldn't buy you anything in or near London. As I said, Barrow is very cheap, but a small house will still cost you as much as an average house in the US would. If we needed 20% deposits, the average deposit would be about 2 times a person's total yearly earnings on average income!
So yes, the percentage is lower but the amount of money you need to put down is roughly the same.
caseybrienza
Dec. 31st, 2011 01:20 pm (UTC)
Well, it's not 100K on average where I'm from--more than twice that, actually, even now--but the down payment is still 20%.
(Deleted comment)
darth_mongoose
Dec. 31st, 2011 12:14 pm (UTC)
I will naturally do whatever gets me the best deal, but thank you for your concern.
(Deleted comment)
darth_mongoose
Dec. 30th, 2011 06:43 pm (UTC)
Yep! That's why I keep telling people they're nuts to all pick such expensive places to live!
http://www.cumberlandestateagents.co.uk/buying/property/barrow_BAR110203
You can get this for 60k. 3 bedrooms!
Barrow has a bad reputation locally, but it's got a crime rate way below national average, it's near a nature reserve, you can get a direct train to manchester or to London with one change, it's less than 30 mins from the Lake District and it's 17th happiest town in the whole UK!
(Deleted comment)
darth_mongoose
Dec. 31st, 2011 12:16 pm (UTC)
True, but that's why it's so big for that price. I'm not saying I'd buy that particular house. Just citing an example. I'm pretty handy anyway and was brought up as a child doing up houses, so I wouldn't really mind that much if I had to do that. With a house that you fix up, you are almost guaranteed you'll sell it for more than you bought it!
( 11 comments — Leave a comment )