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September 28, 2013

RAY DAY: Today's uncertainty

There is no question that we live in a time of uncertainty. How we deal with it has been difficult for many to decide.

When you are in what we are today, you start worrying about how you will survive, with food on the table and a home to live in.

Many, over the last few years, have overextended themselves with credit purchases, large-home buying, and living high off the hog, so to speak.

Credit is good to have access to, if you use it wisely. But you can get in over your head before you know it, and that is bad.

Buying a home with lots of goodies, including extra rooms and more space than is needed, has lately been part of the straw that is breaking the camel’s back. Many through the years have been led to believe that buying a large home is the thing to do, and now they find they can’t pay for it.

Many were led to the signing table by real-estate agents who really should be selling the customer what he can afford. Buyers should buy what they can afford today.

Now, we do have many honest Realtors here in our city who really care about how much the buyer can afford, and they sell accordingly. That is good. But the true fact is there are some out there who don’t really care about the buyers, once the papers are signed.

Commercials on television tell viewers they can get a great buy now and get money back, and that is wrong. Money the buyer never had suddenly is offered with a new car or truck too.

We, from the very first of our married life, have been on a budget. That is 56 years of knowing where most of our money went and how much we can afford when making purchases.

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