Living with my son and his unbearable wife was far from the peaceful arrangement I had imagined. But when the grumpy neighbor next door unexpectedly asked me to dinner, everything began to change. Little did I know, a secret plan was unfolding — one that would turn my life upside down.
I had been living with my son Andrew and his ever-resentful wife, Kate, for two weeks. It wasn’t an arrangement either of them had ever wanted, but my accidental, slightly exaggerated leg injury had finally forced Kate’s reluctant consent.
For illustration purposes only. | Source: Midjourney
She opposed it, of course—she had for years—but this time, she had no choice.
Stepping out onto the porch that morning, I spotted her in the yard, raking leaves. Watching her from a distance, I sighed. The poor girl hadn’t the faintest idea what she was doing.
“Kate, you’re doing it all wrong!” I called, raising my voice. She didn’t even look up.
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I assumed she hadn’t heard, so I moved closer, wincing for effect. “I’m telling you, you’re raking them the wrong way. Start with small piles, then combine them into one big heap. Dragging them across the yard is a waste of time.”
She stopped abruptly, leaning on the rake, and turned to face me. Her face betrayed the exhaustion of carrying a child and hosting an unwanted guest.
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“I thought your leg hurt,” she said flatly, her gaze drifting to my suspiciously steady walk. “Maybe it’s time for you to go home?”
The nerve of her! Clutching my leg for emphasis, I replied indignantly, “I was trying to help you, despite the pain, and this is how you thank me?”
Kate rested a hand on her belly, the protective gesture unmistakable. “I’m seven months pregnant. Helping would mean actually doing something useful,” she said, her voice sharper than the autumn air.
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Rude, I thought, but I forced a tight smile. She wasn’t worth the argument.
Across the fence, Mr. Davis, their grouchy neighbor, shuffled into view, his perpetual scowl in place.
“Good afternoon, Mr. Davis!” I chirped, trying to soften his hard expression. He grumbled something under his breath and disappeared into his house without so much as a nod. Just like Kate—miserable and unsociable.
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Back inside, I noticed dust on the furniture again. Kate was on maternity leave—surely, she could spare time to clean. Andrew deserved a better-kept home after all his hard work.
Later, Kate returned to the house and started preparing dinner. Naturally, I offered her a few helpful tips, but my advice seemed to fall on deaf ears. Eventually, she turned and said coldly, “Please, just leave the kitchen.”
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That evening, as Andrew came through the door, I heard her complaining to him. Leaning close to the wall, I caught snippets of their conversation.
“We discussed this,” Andrew said, his tone measured. “It’ll benefit everyone.”
“I know,” Kate replied with a weary sigh. “I’m already trying, but it’s harder than you think.”
When I peeked around the corner, I saw Andrew embracing her, his arms wrapped protectively around her growing belly. He comforted her as if she were the victim here!
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At dinner, I couldn’t resist pointing out that her pie was undercooked.
“I have an idea,” Kate said suddenly, her tone too cheerful to be genuine. “Why don’t you bake a pie yourself and bring it to Mr. Davis?”
I frowned. “That grump? He doesn’t even greet me,” I scoffed, narrowing my eyes at her.
“I think you’re mistaken. He’s not so bad—just shy,” she said, a knowing smile tugging at her lips. “Besides, I’ve seen the way he looks at you.”
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I laughed, the sound hollow. “If that’s true, he’s the one who should make the first move. A man should court a lady.”
Kate sighed, her gaze shifting to Andrew, who squeezed her hand as if sharing a secret.
The next morning, the last thing I expected was to see Mr. Davis approaching the yard.
“Margaret,” he began stiffly, his posture as awkward as his tone. “Would you… well… have dinner with me?”
For illustration purposes only. | Source: Midjourney
“For you, it’s Miss Miller,” I replied, raising an eyebrow.
His lips twitched in frustration. “Alright, Miss Miller,” he corrected himself. “Would you allow me to invite you to dinner?”
“I allow it,” I said, crossing my arms. He nodded curtly and turned to leave.
“Is that how you invite someone?” I called after him, watching him freeze mid-step. “When? Where?”
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“Tonight at seven. My house,” he said without turning back.
The rest of the day was a flurry of preparation. By seven sharp, I stood at his door, my heart unexpectedly fluttering. When he opened the door, his expression was as grim as ever.
Inside, he gestured for me to sit at the table. Not even a pulled-out chair—some gentleman.
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During dinner, the conversation was stilted until I mentioned my love for jazz. His face transformed, his usual gloom replaced by a boyish enthusiasm.
“I’d play my favorite record for you,” he said, his voice softer now. “And I’d even invite you to dance, but my record player’s broken.”
“You don’t need music to dance,” I said, surprising myself.
To my astonishment, he rose and extended his hand. As we swayed in the dim light, he hummed a familiar tune, one I hadn’t heard in years. Something inside me softened, and for the first time in ages, I didn’t feel alone.
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Afterward, I turned to him. “Mr. Davis, it’s getting late. I should go home.”
He nodded silently, his usual reserved demeanor returning, and walked me to the door.
Before I stepped outside, he hesitated. “You can call me Peter,” he said, his voice softer than I’d ever heard it.
“And you can call me Margaret,” I replied, smiling.
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Then, to my astonishment, he leaned in. For a moment, I froze, uncertain, but when his lips brushed mine, I realized I didn’t want to pull away.
The kiss was gentle and hesitant, but it stirred something I hadn’t felt in years.
As he pulled back, he searched my face for a reaction. I simply smiled, my heart lighter than it had been in ages.
“Good night, Peter,” I said softly, stepping outside. The cool night air met my flushed cheeks, but the smile stayed on my face all the way home—and long after.
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Peter became an irreplaceable part of my days. We spent hours together, laughing over neighborhood gossip, reading books from his vast collection, and trying our hands at new recipes.
While I cooked, he’d hum my favorite songs, filling the house with warmth.
I found a joy I hadn’t known in years, a quiet contentment that made everything else fade.
Kate’s sharp remarks no longer bothered me; my world revolved around Peter.
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On Thanksgiving, I invited him to dinner so he wouldn’t spend the day alone. I noticed him slipping into the kitchen to speak with Kate. Curious, I followed.
“Kate, I wanted to talk to you about the record player,” Peter said, his voice hesitant but firm.
“Mr. Davis, I’ve already ordered it. It’ll arrive soon. You have no idea how grateful I am,” Kate replied with a hint of relief. “You’ve made my life so much easier. I don’t know how you put up with her, but soon the record player will be yours. Thank you for agreeing to this whole charade.”
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The words hit me like a slap. A record player? Putting up with me? A charade? The realization burned through me as anger surged.
“So, this was all a game?!” I burst into the kitchen, my voice trembling with fury.
Kate froze, her face pale. “Oh…” was all she managed.
“Care to explain?!” I shouted, my gaze darting between her and Peter.
Andrew rushed in, his brow furrowed in concern. “What’s going on?”
For illustration purposes only. | Source: Midjourney
“Your wife concocted some scheme against me!” I exclaimed, pointing an accusing finger at Kate.
Andrew sighed deeply. It was as if he was bracing himself for a storm. “Mom, it wasn’t just her. It was my idea too. We thought you and Mr. Davis might make each other happy. Neither of you would have made the first move, so we gave him a little… encouragement.”
“Encouragement?” I repeated, my voice rising.
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“We offered him a record player,” Andrew admitted, his tone measured but guilty. “In exchange for going on dates with you.”
“Andrew, why?” Kate whispered.
“At least my son is honest with me!” I snapped, crossing my arms.
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“Your son was also at his wit’s end with you!” Kate shot back, her voice tinged with frustration. “You were constantly interfering in our lives, nitpicking every little thing I did. And I’m pregnant with your grandchild—I couldn’t handle the stress! So yes, we came up with this plan, and it worked perfectly. You finally had something to do, and I got a break!”
Her words hung in the air, stinging more than I cared to admit. I shook my head, disbelief coursing through me. “You know what, Peter? I could have expected this from her. But not from you.”
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“Margaret, I can explain…” Peter began, stepping toward me.
But I was too angry to listen. I stormed out of the house, my old leg injury reminding me of its presence with every step.
“Margaret!” Peter called after me. “Margaret, wait!”
Spinning around, I glared at him. “What?! What could you possibly say? I’m too old for these games!”
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He stopped, his face clouded with regret. “I told Kate I didn’t need her record player! That I just wanted to be with you!” he shouted, his voice raw with emotion.
“That doesn’t change the fact that you agreed to it at first,” I retorted, my voice trembling.
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“Because you were awful!” Peter snapped, then softened. “Or at least, that’s what I thought. I heard how you constantly picked on Kate, always telling her what to do. But the truth is, I wasn’t any better—grumpy, closed off, and bitter. You changed me, Margaret. You made me feel alive again. You reminded me how to find joy in the little things.”
I hesitated, his words piercing through my anger. “Why should I believe you?” I asked, my voice quieter now.
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Peter stepped closer, his gaze steady. “Because I’ve fallen for you, Margaret. For the meticulous, bossy, always-right woman who also cares so deeply, who cooks meals that feel like home, and who knows all my favorite songs by heart. I love you—all of you.”
Tears welled in my eyes, his confession shaking me to my core. The truth was undeniable—I had fallen for him too. No matter how furious I was, my feelings wouldn’t let me walk away.
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He reached out, gently brushing a tear from my cheek. “I’m sorry for hurting you. Please, give me a second chance.”
I nodded slowly, letting the tension ease. “Alright,” I said, my voice softening. “But you’re keeping that record player from Kate. We’ll need it for our music.” Peter laughed, relief and joy washing over his face.
From that Thanksgiving on, Peter and I were inseparable. Each year, we celebrated the holiday with music playing on that record player, our love growing stronger with every tune.
For illustration purposes only. | Source: Midjourney
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If you enjoyed this story, read this one: While navigating a difficult divorce, Ellis meets a bold young man at a bar who offers to transform her life. His charm and confidence seem like the perfect distraction, but their connection soon leads to unexpected revelations that force Ellis to confront her past — and her family — in ways she never anticipated.
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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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