I'd be in the same spot as you. I freak out over the littlest change. I don't know how I'll ever buy a house or have kids . When I start feeling that way though, I just have to remind myself that it'll all be okay. And for you, especially since you're in the financial position to buy a house and know you can cover the expenses, it'll be okay! Just keep thinking that ...and then think of how much fun it's going to be to decorate, pick paint colours, shower curtains, furniture, everything!