In September 2021, my roommate and I were on the brink of being evicted due to noise complaints from our downstairs neighbors. While I was earning only $9 an hour as a paraprofessional at an elementary school in Boise, Idaho, my roommate was behind on her bills, leaving me to cover over $2,000 a month for rent and utility bills. Desperate to escape this living situation, I searched for a more affordable pet-friendly apartment, but to no avail.
During this stressful time, I found solace in envisioning my next chapter of life. I scoured Zillow for trailer homes, duplexes, and “handyman specials” for sale, considering the qualities and trade-offs of each house. I also began using a banking app to check my credit score weekly, recognizing that a good score would help me secure a favorable interest rate on a mortgage loan in the future.
Little did I know that this future would come sooner than expected. On Christmas Eve, I won $50,000 in a scratch-off lottery ticket, gifting me with the opportunity to buy a house. After broadening my search to include all of Idaho, I found a small 100-year-old house in Pocatello with a spacious yard and a quirky lavender tub. With my $23,000 down payment and pre-approved $150,000 loan, I was able to secure a mortgage with an interest rate of 3.375 percent and a monthly payment of $591.
I gave my roommate one month’s notice, and despite her upset, I knew it was for the best. After moving expenses, I had $7,000 left from my winnings and settled into my new house five weeks after winning the lottery. Today, as a 24-year-old student at Idaho State University graduating with a degree in finance and marketing, I earn about $5,000 a month from the videos I create on TikTok.
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