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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 November 18, 2020

50 Habits of Highly Successful People You Should Learn

50 Habits of Highly Successful People You Should Learn

If you’re like me and really into self-development, you’ve probably read many of the thousands of self-help books out there on the market. But also like me, you probably find all the information a bit overwhelming.

That’s why I wanted to do the self-less task of taking the most important, life-changing lessons I’ve drawn from these books and condensed them into 50 key points.

Here’re 50 habits of successful people you should learn:

1. Believe It to See It

Our minds tend to focus on what’s happening around us and refuse to see what could happen. Only when you trust in what’s possible and dare to dream big, big things can happen for you.

2. See Problems as a Wonderful Gift

While others only see problems and give up, successful people use the problem as a lesson to find improvement in themselves or the task at hand.

3. Keep Looking for Solutions

Even if they’re knee-deep in problems, successful people will still put all of their focus on finding solutions.

4. Remember It’s All About the Journey

Successful people are conscious and methodical in creating their own success. They don’t sit around doing the bare minimum, hoping success finds them.

5. Feel the Fear and Do It Anyway

There’s so much fear on the road to success, but instead of letting that fear control and limit them, successful people do a good job of just forging ahead regardless.

6. Always Ask Productive Questions

It’s all about asking the right questions. Successful people make sure they are questions that will elicit information for a more productive, creative and positive mindset moving forward.

7. Understand the Best Waste of Energy Is Complaining

Successful people know that choosing to see the negative side of things will only create a useless and unproductive state.

8. Don’t Play the Blame Game

Taking responsibility for actions and outcomes is a form of empowerment that you can build your success upon. While the act of blaming others or outside circumstances takes this empowerment away from you.

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9. Maximize Your Strengths

Not every successful person is simply more talented than the rest, but they do use what they know they’re good at to achieve more successful results.

10. Be in It to Win It

Successful people are busy, productive and proactive. Instead of sitting around over-thinking and over-planning a great idea, they just take a step towards it no matter how small.

11. Know That Success Attracts Success

People who are successful surround themselves and seek out like-minded people. They understand the importance of being part of a team and forge win-win relationships.

12. Actually Choose to Be Successful

Dreaming big is a massive part of being successful even if your dream seems impossible. Ambition is a mindset that needs to be a daily conscious choice.

13. Visualize, Visualize, Visualize!

You’ve got to see your success in your mind’s eye even before it comes. Successful people clarify and get that certainty about what they want their reality to look like rather than being mere spectators of life.

14. Be a One-Off Original

Successful people look for what’s working and then create a unique spin on it. Imitating only regurgitates other people’s ideas with no originality.

15. The Perfect Time to Act Is Now

Waiting for the right time to act is basically procrastination wrapped up in an excuse. Successful people know there’s never a perfect time so they may as well just do it now.

16. Keep Learning, Keep Growing

Continuous learning is the key to a successful life. Whether it’s academic, being a student of life or actionable learning, it’s all about expanding your knowledge and personal development.

17. Always Look on the Bright Side of Life

Successful people have the knack for finding positive aspects in all people and circumstances no matter what.

18. Having a Bad Day? Do It Anyway!

We all have bad moods but it shouldn’t be an excuse to stop everything. Giving into a bad mood just stop-starts your life, slowing success way down.

19. Sometimes Risky Business Is Needed

Calculated risks are a must for success. It’s about weighing the pros and cons while moving forward with that element of trust.

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20. Accept Challenge All the Time

Dealing with problems head-on is a must to be successful. Successful people also face challenges in order to improve themselves.

21. Make Your Own Luck

In the mindset of a successful person, there’s no such thing as ‘luck’ or ‘fate’. They take control to actively and consciously create their own best life.

22. Ignite Your Initiative

While many people are reactive, successful people are proactive – taking action before they have to.

23. Be the Master of Your Emotions

Being effective at managing emotions is key on the road to success. That’s not to say successful people don’t feel like we all do, but they’re just not slaves to their emotions.

24. Champion in Communication

Consciously working on effective communication skills gets anyone closer to success.

25. Plan Your Life Strategically

Successful people’s lives aren’t a clumsy series of unplanned events and outcomes, they methodically work at turning their plans into a reality.

26. Become Exceptional at What You Do

To become exceptional, you typically have to do things that most won’t. To become successful, hard decisions need to be made and acting on them is crucial.

27. Choose to Live Outside of Your Comfort Zone

While many people are pleasure junkies and avoid pain and discomfort at all costs, successful people understand the value and benefits of working through the tough stuff that most would avoid.

28. Live by Core Values

Successful people firstly identify their core values and what’s important to them, then do their best to live a life that reflects these values.

29. Realize Money Isn’t Everything

Money and success are not interchangeable and the most successful people understand this. Putting money on a pedestal and equating it to success is a dangerous mindset to have. Success comes in many forms.

30. Don’t Get Carried Away

Successful people understand the importance of discipline and self-control and as a result they are happy to take the road less travelled.

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31. Self-Worth Is Not Tied to Success

Successful people are secure. They do not derive their self-worth from what they own, who they know, where they live or what they look like.

32. Kindness Breeds Kindness (And Success)

Generosity and kindness is a common trait among long-term successful people. It’s important to take pleasure in helping others achieve.

33. More Humility, Less Arrogance

Successful people are humble and happy to admit and apologize for mistakes. This is because they’re confident in their ability. They are happy to learn from others and happy to make others look good rather than seek their own personal glory.

34. Change Opens New Doors

People who are successful are adaptable and embrace change, while the majority are creatures of comfort and habit. They are comfortable with, and embrace, the new and the unfamiliar.

35. Success Requires a Healthy Body

It’s not just how you think, it’s about how you show up for success. Successful people understand the importance of being physically well, not for vain reasons but because being in tiptop condition creates a better personal life for success.

36. Laziness Just Doesn’t Exist

Successful people are never considered lazy. Yes, they can relax when they need to, but working hard is their game.

37. Resilience by the Bucket Load

When difficulty strikes, most would throw in the towel, but successful people are just warming up.

38. Feedback Is Just Another Chance to Improve

How people react to feedback determines their potential for success. Being open to constructive criticism and acting on it to improve is most seen in those who are successful.

39. Your Vibe Attracts Your Tribe

If people are hanging out with toxic and negative people, then they need to take a look at themselves. Successful people hang out with others who are positive and supportive.

40. Can’t Control It? Forget It

Successful people don’t invest time or emotional energy into things which they have no control of.

41. Swim Against the Tide

Successful people are not people-pleasers and they don’t need constant approval from others in order to move ahead.

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42. Alone Time Is Valuable Time

More self-worth means being more comfortable with your own company. Successful people are more happy and see the value in spending time alone.

43. Self-Standard Is Higher Than Most

Everyone has a choice to set high standards for themselves. Successful people do this, which in turn produces greater commitment, more momentum, a better work ethic and of course, better results.

44. Failure Isn’t Rationalized

While many use age, health, lack of time, ‘bad luck’, or lack of opportunity to explain away their failure, the key to success is finding a way to succeed despite facing these challenges.

45. Down Time Is an Important Part of a Routine

Having an off switch and taking time to do things that make them happy is a common trait of a successful person. Take a look at here The Importance of Scheduling Downtime.

46. Career Isn’t Who You Are, It’s What You Do

Successful people know their career isn’t their identity. They are multi-dimensional and don’t define themselves by their job.

47. Be Interested in Only the Path of Resistance

While most people look for the easiest way or the shortcut, successful people are more interested in the most effective way. They look for the course of action which will produce the best results over the long term.

48. Follow Through

Many spend their life starting things that they never finish, but successful people get the job done. Even when the excitement and the novelty has worn off they still follow through and finish.

49. Invest in All Your Dimensions

We’re not just physical and psychological beings, but emotional and spiritual creatures as well. Successful people consciously work at being healthy and productive on all levels.

50. Put Your Money Where Your Mouth Is

To obtain success, it’s important to practice what you preach. Successful people don’t talk about the theory, they live the reality.

So there you have it, a summary of what I’ve learned from self-help books. But of course, you need to start taking actions so you will get closer to success too.

Bonus: 5 Bad Habits To Quit

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Featured photo credit: Juan Jose via unsplash.com

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