The Things I Wish I Knew When We Bought Our First Home

For most young people, buying a house is synonymous with freedom. Finally, you can do whatever you want in your home without worrying about what the landlord might say or about getting your deposit back. It is yours, and to put things clearly; you can put as many holes in the walls as you want to. Except, naturally, that buying a house brings a lot more than just a new sense of freedom. There are responsibilities — on the financial and on the practical sides for instance —, compromises and the discovery of new skills too. Buying a house together is truly the beginning of a new adventure. Unfortunately, for a lot of couples, it can also bring serious disagreements and difficulties to their relationship. In the end, the best way for yourself to prepare for this exciting journey into an unknown universe — the land of home ownership — is probably to hear about it first hand from those who made the journey and survived it!

Moving into your first home

#1. First things first: How much can you afford?

Does it need saying? Buying a home is naturally an important investment, and it’s likely to be the first of its kind for you. Most couples choose a combined mortgage option when they buy their first home, as it is one of the easiest options. But it doesn’t mean that you can’t look for other mortgage offers. To keep things basic, the more you borrow, the more you will have to repay. So it’s always a good idea to work with a housing loan calculator to determine first how much you can afford to pay back over a period of time. Sometimes, you might find that it’s easier to save or borrow from your friends or relatives to pay a large deposit on the house and be able to take a loan on a smaller amount.

Home, Money, Euro, Coin, Coins, Bank Note, Calculator

[Photo courtesy of AlexanderStein/pixabay.com]

 How much can you afford?

#2.It’s all about money and planning

Don’t fall into the common trap of thinking that the cost of your home is the cost of your loan. It is far from it, especially if you hadn’t taken any renovation project into account when you agreed on a price. Affording home improvements can be especially stressful if you’re not used to it. But do you know that you don’t need to rely on an FHA loan to finance your home improvements? Indeed, first-time buyers can also focus on eco-friendly transformations that can be funded by governmental bodies, for example. For extensive renovation works, you can apply for a construction loan or borrow from your 401(k).

#3. Budget as a couple

In fact, the decision to buy a home together marks for couples the first struggle to keep a budget that cares for their individual and common financial needs. You may be used to keeping your own budget, but a couple budget is a whole new kettle of fish. For a start, you need to define your household needs in terms of mortgage repayment, bills, groceries, etc. These, while they are common, will be different to the kind of budget you had BEFORE you bought a house. Additionally, it’s essential that you and your partner agree on the long-term saving goals. There’s no point working towards separate goals.

#4. Combining furniture or buying new?

For some couples, buying a house is the first time they will be properly moving in together — it’s not uncommon for couples to spend time together but keep their separate apartments until they are ready to move in together properly. You might think that the hardest part about this is to share private details through the cohabitation. But believe it or not, most couples report that the hardest part of moving in together is combining their styles and furniture. Indeed, you need to be prepared to get rid of as much of your stuff as you expect your partner to. It’s only fair to keep the best of your common belongings, and it’ll avoid arguments in future. Besides you can also focus on buying new pieces of furniture together.

#5. You’re emotionally ready for the life together

Buying a house together might sound like a good idea. But you need to ask yourself first if you’re ready for this kind of commitment. Cohabitation becomes real when it’s in your own home. In a tenancy agreement, you can leave whenever you want. If it’s your home, you can’t leave. That’s why you need to be sure that you’re ready to move in together for real. Living with the person you love requires accepting levels of intimacy that you may not be prepared to deal with just now. For instance, as silly as it might sound, being able to talk openly about your choices, aspirations and desires for your relationship is a crystal-clear giveaway that you are ready for the move. The best test, though, is to observe how you interact with each other when you’re dealing with stress or financial issues, as these tend to be relationship killers.  

#6. You need to establish some basic rules

Buying your first home also means being ready to accept and share the responsibilities that come with it. You’ve guessed it right: Household chores are a big area of disagreement for couples. Indeed, as both partners often work in modern relationships, household chores need to be shared fairly between both of you. If you prefer doing the laundry while your partner enjoys washing up, then you can simply stick with your eras of expertise or preferences. Admittedly, nobody really enjoys doing chores, but you can work on the basis of things you don’t hate doing instead, as it’s a healthy way of sharing tasks.

#7. Create your decor together

Ah decorating. Who doesn’t love decorating? However, when you buy your first home together, you need to establish a fair approach to your interior decor. It’s not only a personal matter; it’s a matter of shared personal tastes. If you’ve got two different styles, it can be fun to blend both approaches to create an in-between style that will keep your decor eclectic and exciting. You will find the decorating exercise can get a lot easier if you can agree on a common palette of colors that can bring everything together. As a rule of the thumb, though, a good palette consists of five color schemes — by color scheme, we mean blues and grays, for instance, that offer many variations without one theme.

#8. Discover the joys of DIY

You can’t move happily in a house without knowing anything about the most basic home repairs. In fact, you will soon find yourself checking online tutorials to find out how to unblock the toilet or how to clean your grout. While nobody expects you to become a plumbing expert or a qualified electrician, your home maintenance requires some basic DIY skills. Tiling, painting, repairing wood or metal surfaces with filler compounds, or fixing the tap on the sink are essential requirements that every handy(wo)man needs to learn. And don’t leave it to the man in the house simply because he is a man! There’s no room for sexism in home maintenance!

Office Worker, Garage, Worker, Work, Man, Repair

[Photo courtesy of Free-Photos/pixabay.com]

Get your DIY tools with your first home

#9. Give your home a  housewarming party

You might be considering throwing a big housewarming party for your friends and neighbors. If you can; don’t skip on the party as it’s a great way to introduce yourself to a new neighborhood. But remember that once the party is over, you’re the one left to clean. So keep it civilized, friendly and alcohol-light!

In the end, there is a lot to consider when you decide to buy a home together. Your finances; of course; are a priority. But your relationship, your personal preferences and your ability to work together will transform your house into a home. Don’t be fooled: It won’t be perfect every day. But that’s okay because with time and goodwill great things happen.

[ Tagged In ] , , , , ,

The Best Water Features for Your Garden

Out of all the things you can do to ornament and add life and vigor to your garden, water features stand apart in their own special category. If done right, they can add mystique, romance, fun, and function to any garden at all.

Here’s a look at some of the best water features you can include in your garden and their unique benefits.

Pools

Swimming pools are the ideal addition to your garden if you, your family, or friends are interested in having some fun in the sun, and hiring a pool builder to install one might just change your life. Not only does a swimming pool by its very nature suggest a degree of wealth and luxury, but they’re also just incredibly versatile in terms of all the different ways you can enjoy them!

With a larger pool, you can get some serious exercise in by swimming laps back and forth. Kids can learn to swim in a pool. Family and friends can have their own water polo tournaments. Or, if you’d prefer, you can just lounge about on a deckchair getting a tan, and jump in when you want to cool off.

File:Garden pond 3.jpg

Image by Nowis via Wikimedia Commons

Ponds

A pond is one of the most aesthetically pleasing and relaxing garden features out there, and there are many different styles to choose from. Do you want a pond straight out of a European fairy-tale, with lily pads on the surface, flowers on the bank, and maybe some ornamental features at the bottom? No problem!

Or how about you turn it into a traditional Japanese koi pond and sit next to it for some Zen meditation and quiet contemplation on those hectic days?

Fountains

Fountains are a brilliant way to delight and intrigue guests and to create a sense of magic and wonder in your garden. The sky is the limit with how fancy or elaborate you can go with these, but there are a wide variety of options available suited to different budgets.

With a fountain, you can turn your garden into a scene from Renaissance Italy, or a modern, hip environment from the most fashionable city you can think of.

Bird baths

Not only are birdbaths available in a wide array of affordable and classy designs, able to act as a stunning ornament in and of themselves, but they also serve a feel-good purpose.

After all, our little feathered friends need a cooling drink from time to time, don’t they?

With a bird bath, you not only decorate your garden, but you also invite the local wildlife in and make them comfortable during their stay. A fantastic way of engaging with your local habitat.

Wells

Wells are an immensely practical item – that is, of course, why they were invented. In the modern day, most of us have the luxury of getting our water from a tap. For anyone who feels like enhancing their own sense of self-reliance, however, it could be worthwhile having your property surveyed, and potentially building a well if conditions allow.

Not only will this be one of the most interesting garden features most of your friends have seen, but a well can also be designed in a variety of classic styles harking back to romantic Bavarian villages.

[ Tagged In ] , , , ,

Tips on Leaving Home for a Long Holiday

Planning any trip away from home requires some doing, especially if it is a long one. For someone doing it for the first time, it becomes all the more daunting, even with the various guides, blogs and apps available online these days.

Brown and White Wooden House on Green Forest

[Photo courtesy of Pixabay/pexels.com]

The question, however, which comes up more often than not is from where to begin? If you follow this step by step guide on what to be prepared for next time you step out of home on a long vacation, then the task of getting there and getting back home again will become much less overwhelming.

Make a list

A thing to do list will go a long way in taking care of what you need before you set out and not worry about leaving home for long. Just add things you remember, even if you have to cross them out again. This will not only make travel easy but planning better.

Travel light

When going on a lengthy holiday, one does get tempted to pack as much as you can to last the trip. The truth is that you will require a lot less. Just  carry clothes for about ten days and then by specific clothes for the location once you reach there. This way you need not haul a bulky bag for months on end.

Take care of the loose ends

Leaving home for an extended vacation can have some annoying drawbacks. Apart from forwarding your contract details to a reliable person, the problem of having someone to pay any upcoming bills needs to be taken care of.

Prepare your travel kit

Plan your itinerary and give the details to parents and friends. Make copies of your passport, visa and other travel related documents and make several copies for yourself and passing on to friends and families. Finally do not forget to take travel insurance – it as an absolute must.

Plan your mode of transport

Cutting down on transfer travel time and cost makes a great difference to the entire journey. The actual charge for valet parking at any airport terminal, both for short and long term can be quite high, even after the significant discounts on offer. It is better, therefore, to have a private transfer arranged to avoid the hassle of standing in the long taxi queue and over payment. Try booking a reliable transfer agency like KiwiTaxi, online. You will not only save on parking charges but will ultimately spend much less on your transport costs. While flying may be an option in some places, hiring a recreational vehicle from KiwiTaxi, can be not only cheaper but also have ample baggage space especially when travelling with families and kids.

Once you have decided to make the big adventure trip, the one which will take you miles away from home for months on end, these are the minor things which will come to your help and need to be tackled. Remember, any vacation is supposed to be fun and relaxing, therefore, a poorly planned one can result in a major headache.

[ Tagged In ] , ,

Essential Tips When Buying A New Home and Car

This is a sponsored post. 

Buying a new home needs careful planning and consideration. Most home-buyers focus on the price and location of the home they want to purchase. The house condition and its age is an important factor for most home-buyers because of the maintenance, upgrades and cost of repairs.

Finding the right home is not always an easy task just like finding the right car it can be an overwhelming process and emotionally draining to home-buyers.  But with the technology today and right research, there are many different resources where to get complete and helpful information that you need when purchasing a new home or car, just take for example cars.com when you are planning to buy a new car.  Their website have a huge selection of information and resource to teach you on your potential car purchase. They provide extensive reviews and essential information about a wide variety of different cars, it is either used or new.

Silver Sedan at the Back Og Silver Station Wagon during Daytime Near Brown Painted House

[Photo Courtesy of Pascal Renet/pexels.com]

And just like doing a good research when buying a new car, a good research  and doing home inspection is a very essential too when purchasing a new home for your own satisfaction by visually evaluating the home’s condition and identifying the problems with the house.  Although, generally speaking, the seller is not required to make repairs if problems are discovered during a home inspection but not to disappoint or cancel the deal often times the seller agrees to make a repair.

Visiting different realtors and car dealers is essential to find the best deal especially when you are buying an old house or a used car.

[ Tagged In ] , , , , , ,
Page 3 of 165:« 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 » Last »
error: Content is protected !!