Hi hi. So it's been a while since I've posted. We had two babies. One is almost 2.5 yrs old. I stay home raising them and the husband is a lawyer. We don't have any debts and I own our 1,350 sq ft townhome with monthly HOA payments of $344 (yes, it sucks that it's so high; we don't even have a tennis court). So should we look into a larger home and get ourselves into the dreaded mortgage?
As much as I have been looking at houses and entertain the idea of a bigger, nicer and newer home (instead of a townhome) at the end of the day a mortgage is still debt. The reason we are looking is because our school zones are bad. A 6, 5 and 7 out of a 10 scale. I say just apply to Charter and be done with it, or ahem use a friend or family member's address. Husband doesn't want to. We'd also be on a lottery for Charter.
The homes that have better schools are upwards of $400k esp the ones we want. Lastly, of course we can and likely will sell our current townhome (it's worth $200k on Zillow), so that helps but still a mortgage. And we do have some time since my oldest is barely 2.5; any advice? Thanks in adv.