We all know that the first time we buy a house, we don’t get it for free. And now we are surrounded by it, we want more, we want it NOW! But the good news is that once you get into a house, you don’t have to pay for it anymore.

You can actually buy an entire house for less than the asking price. This is why I say it’s a good sign when a seller tells you how much house they are selling for, and they give you the option of “selling it for less than you were looking for.” I know this is common sense, but I think it’s also a very practical way to help you get your feet wet.

The good news is that once you get into a house, your budget can be cut to the bone. The bad news is that you have to move into it to do it, and you have to move it yourself. So, you might be tempted to think about buying a second home, but I would suggest you look at a home equity loan first.

Sure, you can build a second home and cut your budget in half, but you might want to think about the fact that you will be making only one loan payment during the entire time you are in your second home. Plus, it’s hard to get a second home to your price range without having some equity.

The good news is that you can just buy your entire home for the down payment, and the down payment you pay is only for the interest. The difference between your equity and the home equity loan is your choice, so if you have a lot of cash to invest, you can afford to just put it toward the down payment.

And it doesn’t matter if you are in a second home for the entire time you are in your first. As long as you are willing to pay for the interest, a second home isn’t a shortage, and it is a surplus. In fact, it’s probably the most sensible investment you can make until you can actually have a second home.

With a second home, you are able to build equity in the property, which is a good thing. But you won’t be making your mortgage payments while you are living there or you will pay more in interest.

It’s not a shortage, you are living in a second home, and if you want to pay your mortgage down, you are going to have to take a look at your finances. It’s not as simple as, “I want to move to a second home,” because it is a lot more complicated than that.

I find that when I am in a second home, I pay more in interest on my mortgage, and my mortgage is on a higher interest rate. It is important to realize that when you get a second home, you are really renting a two-bedroom apartment or a one-bedroom condo. That means that you can’t live in it full time and build equity in it. You are forced to buy additional furniture, utilities, appliances, and other items.

I was the exact same way when I came home to move into my first house. It’s hard to believe that in just two years I have moved back into a “new” home, the one I bought for the first time. And I have no idea why. Maybe I just found it a little easier to find apartments with less “stuff.” Or maybe I just have a lot more stuff these days.

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Wow! I can't believe we finally got to meet in person. You probably remember me from class or an event, and that's why this profile is so interesting - it traces my journey from student-athlete at the University of California Davis into a successful entrepreneur with multiple ventures under her belt by age 25

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