. ; ) Love you Baby!

And even if you can do a loan like that you will be paying PMI and a higher payment which will further increase the negative cash flow on the property.If you can sell the property subject too the existing mortgage at or above the $145K mark with a sizable down payment, then I'd explore that option.  

The key is baby steps and keep your eye on the price.

Cell phone, everything you possibly can.3) Save $1000 as your "baby emergency fund".

But many would go ballistic and would fight you tooth and toenail.

When a former tenant had a baby, we sent a gift card.

I think you should just stick with neutral/light colors like beige, baby blue and off-white.

But please don't throw out the baby with the kitchen sink.Good thread, thanks all!

Congrats on all the successes in the last 2 years man, especially the new addition to the family (the baby...not the car :-p ) Going from an M35 to a Ford Focus definitely blows, but being able to use that car payment money towards all those other things definitely does make it worth it.

The other day I was reading an article on communal living stating that it was coming back in various forms (thanks to the baby boomers) and there were a variety of situations and commonalities that the tenants have.