My mother-in-law Cynthia moved in, and soon after, my daughter Lisa began acting oddly. She was no longer her cheerful self, and it worried me deeply. One night, I saw her sleepwalking through the house, clutching her teddy bear. I quietly followed her, and what I discovered that night shocked me, leading to a bigger mystery I needed to solve.
We were a happy family, living together in peace. Our days were filled with laughter, playful moments with our daughter, Lisa, and cozy family dinners.
Tony worked as a financial analyst, always dreaming of starting his own business, while I balanced my career and took care of our home.
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One evening, Tony came home with exciting news.
“Amelie, I found partners, and I can finally start my own business, just like I’ve always dreamed!” he announced, grinning from ear to ear.
“That’s amazing, Tony!” I hugged him, feeling proud. “You’ve worked so hard for this.”
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“There’s something I need to talk to you about,” he said, looking a bit hesitant.
“With our new jobs, we’ll be even busier. Mom has been complaining about her health and suggested moving in with us. She wants to help with taking care of Lisa.”
I frowned.
“Tony, you know how Cynthia feels about our marriage. She never really accepted me.”
“I know, but she insisted,” Tony replied. “And we really could use the help right now.”
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I sighed, unsure.
“Alright, but only because we need the help. And of course, she wants to move in now that things are looking up for us.”
***
A few days later, Cynthia moved in. She entered the house with a big smile, her hands held in front of her, carrying a gift for Lisa.
“Hello, Lisa! Look what Grandma brought you,” she said, handing Lisa a fluffy teddy bear.
“Thank you, Grandma!” Lisa hugged the bear tightly, her eyes sparkling with joy.
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Tony looked at me, hoping I would make an effort. “Thanks, Cynthia. I’m sure Lisa will love it,” I said, forcing a smile.
“Amelie, I know we’ve had our differences,” Cynthia began. “But I want to make this work for Tony and Lisa.”
“I hope so,” I replied cautiously.
***
Days turned into weeks, and I noticed changes in Lisa. She became cranky and sleepy during the day. She wasn’t her usual cheerful self, and it worried me.
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“Lisa, honey, why are you so tired?” I asked one afternoon as she rubbed her eyes.
“I don’t know, Mommy. I just feel sleepy,” she replied, yawning.
That night, as I checked on her, I saw her walking around. Her eyes were closed, and she seemed to be in a daze.
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“Lisa, sweetie, what are you doing?” I whispered, gently taking her by the hand.
She didn’t respond, just continued clutching the teddy bear. I carefully guided her back to bed and tucked her in, feeling a knot of worry in my stomach.
The next morning, over breakfast, I decided to bring it up with Tony.
“Tony, I saw Lisa sleepwalking last night,” I said, trying to keep my voice calm. “She was wandering around with that teddy bear your mom gave her.”
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Tony looked surprised. “Really? That’s strange.”
Before he could say more, Cynthia, walking nearby, chimed in.
“Oh, that’s perfectly normal. Tony used to sleepwalk as a child too. There’s nothing to worry about,” she said with a dismissive wave of her hand.
“Are you sure?” I asked, looking at her thoughtfully.
“Absolutely. It’s just a phase,” Cynthia insisted, her tone final.
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I nodded, but the worry didn’t leave me. Later that morning, as Tony was getting ready for work, he suddenly frowned and checked his wallet.
“Amelie, have you seen some money I left in my wallet? It’s missing,” he said, looking puzzled.
“No, I haven’t touched your wallet,” I replied honestly.
Tony sighed. “Maybe I misplaced it. It’s probably just somewhere around.”
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I decided to get my purse to give my husband some money. But I was surprised to find a much larger sum than I had yesterday.
“Tony, look at this. Is this the amount you were missing?” I said, showing him the money.
Tony peered into the purse and nodded. “Yes, that’s exactly how I tied and stored the amount in my wallet yesterday. That’s strange. Maybe you took it by mistake?”
I shook my head. “No, I’m sure I didn’t. It’s really odd.”
How did it get there?
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Tony shrugged, trying to brush it off. “Let’s not worry about it.”
But I couldn’t shake off the uneasy feeling. Something was definitely wrong, and I needed to figure out what was happening. That night, I couldn’t sleep, thinking about Lisa and the strange occurrences.
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***
The next few days, I kept a closer eye on Lisa. She was still cranky and tired during the day, and I noticed she clung to the teddy bear more than usual.
I decided to follow her if she sleepwalked again, to see if I could find any answers.
That night, it happened again. I saw Lisa get up from her bed, holding the teddy bear tightly in her arms. This time, her eyes were wide open, but she didn’t seem to notice me.
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She walked out of her room and down the hallway. I quietly followed her, making sure not to wake her. My heart pounded as I watched her small figure move through the dimly lit house.
This time, she went straight to Cynthia’s room. I paused outside the door, straining to hear. I heard Cynthia’s voice, low and insistent.
“Go to your parents’ room… Take the money from the safe, Lisa. Remember, it’s our little secret.”
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My blood ran cold. I couldn’t believe what I was hearing. I stood frozen for a moment, then hurried back to my room to wake Tony.
“Tony, wake up! You have to see this,” I whispered urgently, shaking him awake.
Tony groggily opened his eyes. “What’s going on, Amelie?”
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“It’s Lisa. She’s in your mom’s room. I heard Cynthia giving her instructions to take money from the safe,” I said, my voice trembling.
Tony sat up, looking frustrated. “Amelie, you’re overreacting. Mom wouldn’t do that.”
“Please, Tony, just come and see,” I begged.
Reluctantly, he got out of bed and followed me to Cynthia’s room. We quietly opened the door and saw both Cynthia and Lisa seemingly asleep. Tony sighed in exasperation.
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“See, they’re both asleep. You’re making a big deal out of nothing,” he said, rubbing his temples.
“No, Tony, I know what I heard,” I insisted.
Frustrated, Tony stomped over to the safe.
“I’ll prove to you that this is all a misunderstanding. The money should be right here. I was going to invest it in my project tomorrow.”
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Then Tony’s face went pale.
“What? No, this has to be a joke. The money was here this morning!” he shouted, his voice filled with anger.
“Tony, it’s not a joke. Your mother is responsible for this,” I said firmly.
The commotion woke everyone up. Cynthia came into the room, looking defensive.
“What’s all this noise about?”
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Tony turned to her, fury in his eyes. “Mom, did you ask Lisa to steal money from the safe?”
Cynthia’s eyes widened, and she started to deny it. “Of course not! How could you even think that?”
Just then, Lisa started to cry, scared and confused by the shouting. I knelt down and gently took her hand.
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“Lisa, sweetie, can you tell us what happened? It’s important.”
Lisa sniffled and nodded. She walked over to my purse and pointed.
Tony looked inside my purse and found the missing money. His face contorted with rage and disbelief.
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“Amelie, how could you? Were you trying to frame my mother?”
“No, Tony! I didn’t know the money was there! It was your mother’s doing!” I protested.
But Tony was too angry to listen.
“This is too much. I can’t deal with this right now. Amelie, I think it’s best if you stay somewhere else for a while. Mom will watch over Lisa.”
“Tony, please, you have to believe me. I’m not the one at fault here!” I pleaded, tears streaming down my face.
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Cynthia stood behind Tony, a look of satisfaction hidden in her eyes.
“It’s for the best, Amelie. We need some time to sort this out.”
My heart was breaking, but I knew I had to find a way to prove the truth and protect my family.
***
In the morning, Tony left for work while I started packing my things. My heart was heavy with sadness and frustration.
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As I gathered my belongings, I went into Lisa’s room and noticed her sitting on the bed, talking to the teddy bear.
“Lisa, sweetie, who are you talking to?” I asked gently, trying not to startle her.
She looked up at me with big, innocent eyes.
“The teddy bear, Mommy. But it doesn’t want to talk anymore.”
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I frowned, feeling a knot of worry. “What do you mean, it doesn’t want to talk anymore?”
Lisa hugged the bear tightly.
“It used to talk to me before bedtime. Grandma said it was our little secret.”
My heart sank. This was worse than I had imagined.
“Lisa, can I borrow the teddy bear for a bit? I need to wash it,” I said, trying to sound casual.
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She hesitated, then answered, “Okay, Mommy. Just be careful with him.”
I didn’t leave the house. I was waiting for the evening to put everything in its place. I had a hunch about what was happening and who was behind it all.
***
That evening, while preparing dinner, Cynthia entered the kitchen. She stood there with her arms crossed, looking smug.
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“Why haven’t you left yet, Amelie? Tony doesn’t want a thief in his house.”
I took a deep breath, trying to stay calm. “I have some unfinished business, Cynthia. Everything will be resolved when Tony returns.”
Cynthia’s eyes narrowed. “What are you planning?”
“You’ll see,” I replied, turning back to the stove.
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When Tony came home, I was ready.
“Tony, I need to show you something,” I said, holding the teddy bear.
He looked weary. “What is it now, Amelie?”
“Please, just trust me,” I urged.
I brought out the teddy bear and carefully opened it, revealing a small talking device inside.
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“Tony, Lisa wasn’t sleepwalking. She was being manipulated by this device. Cynthia has been using it to give her instructions.”
“That’s ridiculous!” Cynthia shouted, her face turning red. “You’re making this up!”
“Let’s check Cynthia’s room for the other half of the device,” I suggested, keeping my voice steady.
Cynthia backed away, her eyes wide with fear. “No, you can’t go in there!”
Tony, now suspicious, insisted, “Mom, we need to see.”
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I pressed the button on the bear’s device and spoke into it. At that moment, we heard my voice echoing from Cynthia’s room.
Tony rushed in and found the other device hidden under Cynthia’s pillow.
Lisa, hearing the commotion, peeked into the room. “Grandma, are we playing a new game since our secret is out?”
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Tony looked puzzled. “Mom, how did you use the bear to control her?”
Cynthia sighed, wiping her tears. “I put a walkie-talkie inside the teddy bear and another one under my pillow. When Lisa would start sleepwalking, I would whisper instructions to her through the bear. I would tell her to come to my room, and we would play a game. She would take money from your wallet and put it in her mom’s purse, and then back again.”
“Mom, why? Why would you do this?” Tony exclaimed.
In tears, Cynthia finally broke down.
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“At first, it was just to see if it would work. Then it became a way for me to feel in control, to have a role in the family. I didn’t realize how much it would hurt everyone.”
Tony, filled with anger and disappointment, shook his head.
“Mom, this is wrong. You can’t use Lisa like that. If you want to be part of this family, you have to stop these manipulations and respect our lives.”
Realizing her mistakes, Cynthia nodded, her face wet with tears.
“I’m sorry, Tony,” Cynthia said, her voice trembling with emotion.
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“I just wanted to feel needed. I promise I’ll do better. I’ll only visit on weekends and spend time with Lisa occasionally.”
Tony looked at me. “Amelie, what do you think?” he asked softly.
I took a deep breath, trying to hold back my tears.
“Cynthia, we all make mistakes. But if you truly want to be part of this family, you need to accept us and respect our boundaries. I think it would be good for Lisa to spend time with her grandmother.”
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Cynthia nodded, wiping her tears.
“I understand. I’ll respect your family’s peace and unity.”
I smiled faintly, looking at my sleepy daughter and feeling a glimmer of hope.
“Let’s take it one step at a time and work together to create a loving environment for Lisa.”
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Cynthia reached out and took my hand.
“Thank you, Amelie. I promise I’ll make it right.”
The truth was finally out, and now we could begin the process of rebuilding our trust and unity. It wouldn’t be easy, but with love and understanding, we could overcome this challenge together.
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If you enjoyed this story, read this one: Six-year-old Ethan had recently lost his mother, leaving a deep void in his heart. In his grief, he started writing letters to her, pouring out his feelings on paper. One day, while wandering the streets, he stumbled upon an old, rusty mailbox at an abandoned house. He decided to slip one of his letters inside, never expecting anyone to see it. To his astonishment, the very next day, he found a mysterious reply waiting for him.
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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