27 Reasons You Shouldn't Buy a Home

If you're considering buying a house, you should not own a home if...

* Home prices are reduced in this buyer's market and you can never resist a sale.

* You're paying your bills with credit cards and racking up over limit fees.

* You have four children, a St. Bernard and three goldfish but can only afford a one bedroom efficiency.

* Just because the first month's mortgage payment is waived.

* You relocate as frequently as you brush your teeth.

* You don't know how to use a toilet plunger, hammer, lawn mower, garage door opener or dehumidifier and you can't afford to pay someone who does.

* You think that a $40,000 house with no roof is a great idea and your roofer friend who will put one on for a six pack is moving to Miami.

* Your time line for living in your new home is the same time line as the bank's foreclosure process.

* You're banking on paying your mortgage by renting your bedrooms to friends who don't have jobs.

* You're planning on quitting your six-figure job and following your dream of selling ice sculptures on eBay.

* You don't know the difference between the smell of leaking gas from the furnace and Downy fabric softener.

* You think your landlord will come over at 2am when your water heater is flooding your basement.

* You're planning on using your security deposit to pay for your closing costs and your cat has marked his territory in every corner of the living room.

* You want to buy a fixer upper and your idea of rehab is not drinking in your new home.

* You're influenced by an episode on HGTV where they remodeled an entire home for under $500 because they have a carpenter on staff named MacGyver.

* You can't afford appliances for your new home so you're going to eat out every night to save for them.

* You don't know how to let your friends inside without buzzing them in.

* You've never changed a light bulb but at the end of every "This Old House" episode, you say: "Man, I could've done that blindfolded."

* You need to work 96 hours a week including Christmas to afford your new mortgage payment.

* Your spouse is the bread winner and you're contemplating divorce.

* You can't fill out the change of address card at the post office because you haven't paid taxes for five years and you're hiding from the FBI.

* You're getting married and want to buy a home because everyone thinks you should except you.

* You don't get along with people and can only afford a condo in a 146 unit high rise.

* You believe that being over extended and house poor is okay as long as you fit in.

* You are competitive and obsessive compulsive and your last name is Smith and your new neighbor's last name is Jones.

* You love nature and view the roots coming into the foundation as a thing of beauty and art.

Cecilia Sherrard is a full time real estate agent in Cleveland Ohio and is the webmaster for Cleveland's largest real estate website and Ohio's largest real estate blog.

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