I spoke with my lender today, who ran my credit report, and she announced that I needed more credit cards.
What?!? I need to create more debt for myself, so someone will give me a 6-figure home loan??? What's wrong with this picture???
And here I thought I was doing good...not entrenching myself in mountains and mountains of debt like every other American. I have one credit card, that I pay every month. I have a student loan, a car loan, and I pay all my other bills online...on time. I guess I come from the mindset of older folks: "If you don't have the money for it, then don't buy it." Which is why I have one credit card...by my choice. If I had more than that, I could get into a lot of trouble, pretty quick.
What does this mean for Heather? It means I am putting off homebuying for the time being. I hate this apartment, so I will look into probably renting something bigger. Besides, I've been wondering if this is an indicator that I probably should be moving somewhere else outside the Midwest.
It feels that nothing is going right for me, the house and all other things in my life. I've been bummed out all day. I went to the craft store, and it didn't even lift my spirits.
Time to hit the chocolate.