Owning a house was THE goal after kids’ education and wedding for our parents’ generation. That is slowly changing now with most of us getting an apartment in early 20s. Signing on the dotted line in the agreement should bring happiness. Ads show images of folks like us sitting on the balcony/lawn sipping tea leisurely flipping through the pages of newspaper. Often, they are flanked by manicured lawns, a blooming garden and children playing carefree on wide roads. How far from reality! Making the decision took us months after an exhausting house hunt. And when we made the decision, we had butterflies in our stomach and months of sleepless nights over loan and interiors. We had no clue what we had signed up for. And I’m sure there are hundreds of you out there on the same journey. A house is a big fat elephant. Things were not so complicated…