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6 Steps to Take the Day You Buy Your First Home

6 Steps to Take the Day You Buy Your First Home

Buying a home is a big responsibility, financially and for many other easons. It is easily the single biggest expense in life for most people, and it may not be the only home you ever own. There are scores of things that you need to get done in order to prepare a down payment, secure a mortgage, and purchase the home of your dreams, but the work is not done the day you sign on the dotted line or get handed the keys. Here are six things you should get done the day you buy your first home.

1. Take pictures.

You will want them to remember what your house looked like the day you took ownership, and you may need them for an insurance claim later on. Digital cameras mean you can take a lot of pictures without having to worry about the cost of developing film. However, you may want to print out an 8 by 10 of how your house looked the day you bought it.

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Store the rest of the images in the cloud or on digital media. Realize that even flash drives do not hold data forever. Degradation of the digital data on a flash drive takes years, but it does happen. Shooting some video of the inside and outside of your home with a narrative will be fun to view years from now too.

2. Confirm your insurance.

Look over the fine print of policies. Contact your insurance agent to make sure all paperwork has been filled. Buying a house is a hectic time. Make sure your actual coverage is in step with the market value of the house as well as what is owed on the mortgage. Reassess the coverage after moving in with your possessions. Do you have too little, too much, or just the right coverage for the contents? You want adequate insurance coverage, but you do not want to pay excessive premiums.

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3. Change the locks.

Whether you do it yourself or hire a locksmith, make sure the door locks on your home are changed the day you take possession of it. You have no idea who the previous owner has given copies of the keys to. It is better to be safe than sorry when it comes to home security. The home is now yours. No one who was granted access before has that right now, and the best way to control access is to change the locks. Do not forget to have the locks changed on outbuildings too. New door locks can all be keyed to open with one key. Specialty keyed locks may offer more security than mass-produced models.

4. Get a security system.

The FBI Uniform Crime Report statistics indicate that there were 1,729,806 burglaries in the United States for 2014. That is about one burglary every two seconds of homes and businesses. Home security systems act as an early warning system and a deterrent. Criminals do not want to get caught, and they choose easier targets than homes with alarm systems. Plus, fire and carbon monoxide detection tied to a central monitoring station can send help whether you are home or away, and also if you or your family is incapacitated.

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5. Check your utilities.

It is easy to tell if the electricity is on, but it is more difficult in some homes to determine if the natural gas is on or if propane is available. Also, it is important to check your water heater. It may have been turned off or turned to its lowest setting to save energy while the house is unoccupied.

If you do not have a gas stove but have gas heat, turn the furnace on and listen for the flame to start. Check the temperature setting on the water heater. If you do not know how to check for a lit pilot light on a tank water heater, just run the hot water for five minutes and listen for the flame to start at the water tank. If it does not, have it checked.

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6. Look over home guarantee policies.

Within a few days of living in your new home, you may discover things that need fixed that neither you nor your home inspection expert noticed. Homes that have been unoccupied for a time may develop slow drain issues. The sewer systems of unoccupied homes dry out. Sludge in the drains can harden to a plaster-like consistency. As you begin to flush solids down the dry drains, build up may cause slow drains or clogs. This can especially be a problem in homes that have terracotta drains.

After a few months, a lot of homeowners start to develop a nervousness as they realize that something could break and cost them a lot of money that they simply don’t have. I use a home warranty in order to better budget and not have to worry about large repairs breaking the bank around the holidays.

Your new home is going to quickly become your castle and family place of comfort, safety, and refuge. However, it is practically inevitable that there will be some issues, quirks, and other things you notice about your new home after you move in. Every home has its own sounds and peculiarities that can be irritating or endearing. Some have never forgotten the sound of a noisy water pipe, a cozy sunny spot, or even that cold drafty spot in a home they have lived in. Enjoy your new home and all it has to offer.

Featured photo credit: https://pixabay.com via pixabay.com

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Last Updated on July 5, 2019

5 Reasons Why You Should Always Be Yourself

5 Reasons Why You Should Always Be Yourself

When it comes to being yourself, there can be a lot of pressure from the outside world as it tries to influence who you are. Living in a society that is constantly developing, it’s important for you to always be yourself from the inside out. When you deeply know yourself and the boundaries that you have set, you are more likely to experience a fulfilling and rewarding life. Without knowing yourself and establishing those boundaries, you can easily be pushed around and end up on a dirt path.

“Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. But small is the gate and narrow the road that leads to life, and only a few find it” – Matthew 7:13-14

You have the option of taking the path that is broad or taking the path that is narrow. You can either conform to what life wants you to be, or have the courage to remain true to yourself throughout the years. It’s definitely a challenge to have a strong sense of self when we are constantly getting distracted and being influenced by the media and society’s way of life. But if you want to reach your fullest potential in life, it all starts with being yourself.

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Why should you always be yourself?

Because you will:

  1. Live in alignment with your values and beliefs. Being yourself is all about knowing what you believe in and the values that you live by. When you are not yourself, you will take on the values and beliefs of others. This is when you start conforming to other people’s expectations and way of thinking. When you know your values and why you do what you do, you will live according to your own values and beliefs.
  2. Establish your own identity. When you are able to have a solid foundation of being you, you are establishing your own sense of identity. No matter what happens in your life, you will always know who you are. There will be times where you may feel lost or distracted, but if you have your own identity you’ll be able to get back on the right path. Without establishing your own identity, you may easily conform and lose yourself.
  3. Build courage. It takes a great amount of courage when you decide to take the path that goes against the crowd. The reason why the majority of people take the broad path is because it’s easy. It’s easy to just follow the crowd. It’s more of a challenge when you stay true to yourself and establish your own identity. This challenge of always being yourself takes courage and inner strength. No matter what comes your way, you’ll know how to handle it.
  4. Establish boundaries. When you are always yourself, you know what your limits are and the boundaries that you have set for yourself. When people cross your boundaries, you will know. But if you don’t establish boundaries, people may very well walk all over you and take advantage of you. If you are always yourself and you establish boundaries, you are more likely to be aware when people start taking advantage of you. Create and establish your boundaries.
  5. Find focus and direction. When you are always yourself, you are more likely to have focus and direction in your life. Imagine someone who is constantly conforming to other people’s expectations. Do you think this person has focus and direction? I don’t think so. When you stay true to who you are, you are more likely to know the goals you want to accomplish and how to go about accomplishing them. You are able to stay focused and know which direction to take in order for you to accomplish your goals.

No matter what you experience in life, the only person that will always remain constant is you.

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Featured photo credit: María Victoria Heredia Reyes via unsplash.com

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