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I was blessed to be a part of the first-time homebuyers credit this past year.  Owning a home is a rewarding challenge and I am still learning :-)  Everything costs more than you budget; however, I think I've figured that one out.?!  The inside of the home is almost completed.  My sister and brother-in-law are going to gut and redo my bathroom - I shall assist in a limited capacity.  The yard needs quite a bit of help - my project for next year. Actually, having my own home is liberating.  I can paint, decorate and come and go, as I please.  A completely different world compared to the last 9 years. What an exciting, enjoyable and freeing time in my life.  Praises to the Lord for His awesomeness!!