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7 things to think about before buying your first home

7 things to think about before buying your first home

My husband and I have been married for 5 years now. I’ve always wanted to own a house of my own, my husband is more of a free spirit, however he agrees we’re not getting any younger especially as our first child will soon be 5 and starting school soon – so we need to start putting down roots and a house is definitely one of them.

Owning a house is by no means a straight forward thing to do but it’s a dream for many. Here are 7 questions to consider before buying your first home.

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1. Have you done your research?

I spend a lot of time looking at houses for sale in my area – I thought that was all the research I needed to do. However, after some random reading I realised there is a lot more to researching property prices, schools and towns on websites like Zoopla. You have to think about the mortgage rates, credit score, etc

2. Are you ready for the commitment?

Buying a house is a huge commitment, having lived in rented accommodation for the last 5 years I know this now. There are so many little things one takes for granted, sorting out broken appliances, buying appliances, re-decorating, taking care of the garden, just to name a few. There is pride in knowing it’s mostly yours but it’s also a big commitment which cannot be taken lightly.

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3. Do you plan on having a ‘large family’?

It might seem like a strange question but this often time determines whether a 1 bedroom or a 3-bedroom house is best. If you’re a couple and looking to have kids in the near future then I’d suggest considering 2 – 3 bedroom houses, within budget of course. Seeing as we already have 2 kids we’re definitely working towards a 3 bedroom to start with

4. Do you love your current job?

I thought I loved my previous job but when an opportunity came to move I took it without looking back! If we had bought a house while at my previous job it would have been a nightmare switching jobs especially as the new job was over 100 miles always. Maybe we won’t have moved at all.

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5. Do you love being around family/friends?

If you’re like me, you probably have family/friends located in a particular region. I’ve found that having family and friends around is a lovely feeling, knowing you’re not alone and that the kids can go visit their cousins is great. This is one of the reasons why we decided to move and it is something to definitely consider when one wants to plant their roots.

6. Do you know how much it will really cost?

I thought buying a house mainly involved getting the mortgage based on the price of the house and then I started doing my research and found out there was something called stamp duty, then I heard about conveyancing and realised I’d have to pay solicitors’ fee, then get house surveys done which I had honestly never heard about! The prices just continue to add up! It’s definitely pays to do your research way ahead of time – I’ve found Reallymoving to be good for local solicitors fees and surveys.

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7. Do you have the money?

This is the biggest question of all and will determine the final decision to move or not! We’ve been saving and still are limited, especially with the move down south – this means our deposit is going to be even bigger so we have to save even more money! This might push our plan a little bit but we’ll get there, eventually!

After answering all these questions I realised that I was ready for that big step because it is a big step, now we just need to get the right deposit to make our move. Are you ready to buy your first dream house?

Featured photo credit: Joel Bybee via flickr.com

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Tola O.

Blogger and Digital Marketer

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Last Updated on August 4, 2020

8 Benefits of a Minimalist Lifestyle That Get You to Live With Less

8 Benefits of a Minimalist Lifestyle That Get You to Live With Less

Minimalism is a way to put a stop to the gluttony of the world around us. It’s the opposite of every advertisement we see plastered on the radio and TV. We live in a society that prides itself on the accumulation of stuff; we eat up consumerism, material possessions, clutter, debt, distractions and noise.

What we don’t seem to have is any meaning left in our world.

By adopting a minimalist lifestyle, you can throw out what you don’t need in order to focus on what you do need.

I know first hand how little we actually need to survive. I was fortunate enough to live in a van for four months while traveling throughout Australia. This experience taught me valuable lessons about what really matters and how little we really need all this stuff we surround ourselves with.

Less is more.

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Living a minimalist lifestyle is reducing.There are a few obvious benefits of minimalism such as less cleaning and stress, a more organized household and more money to be found, but there are also a few deep, life-changing benefits.

What we don’t usually realize is that when we reduce, we reduce a lot more than just stuff.

Consider just some of the benefits of living with fewer possessions:

1. Create Room for What’s Important

When we purge our junk drawers and closets we create space and peace. We lose that claustrophobic feeling and we can actually breathe again. Create the room to fill up our lives with meaning instead of stuff.

2. More Freedom

The accumulation of stuff is like an anchor, it ties us down. We are always terrified of losing all our ‘stuff’. Let it go and you will experience a freedom like never before: a freedom from greed, debt, obsession and overworking.

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3. Focus on Health and Hobbies

When you spend less time at Home Depot trying unsuccessfully to keep up with the Joneses, you create an opening to do the things you love, things that you never seem to have time for.

Everyone is always saying they don’t have enough time, but how many people really stop and look at what they are spending their time doing?

You could be enjoying a day with your kids, hitting up the gym, practicing yoga, reading a good book or traveling. Whatever it is that you love you could be doing, but instead you are stuck at Sears shopping for more stuff.

4. Less Focus on Material Possessions

All the stuff we surround ourselves with is merely a distraction, we are filling a void. Money can’t buy happiness, but it can buy comfort. After the initial comfort is satisfied, that’s where our obsession with money should end.

We are bombarded by the media presenting promises of happiness through materialistic measures. It’s no wonder we struggle everyday. Resist those urges. It’s an empty path, it won’t make you happy.

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It’s hard not to get roped into the consumerism trap. I need constant reminders that it’s a false sense of happiness. I enjoy stuff, but I also recognize that I don’t need it.

5. More Peace of Mind

When we cling onto material possessions we create stress because we are always afraid of losing these things. By simplifying your life you can lose your attachment to these things and ultimately create a calm, peaceful mind.

The less things you have to worry about, the more peace you have, and it’s as simple as that.

6. More Happiness

When de-cluttering your life, happiness naturally comes because you gravitate towards the things that matter most. You see clearly the false promises in all the clutter, it’s like a broken shield against life’s true essence.

You will also find happiness in being more efficient, you will find concentration by having refocused your priorities, you will find joy by enjoying slowing down.

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7. Less Fear of Failure

When you look at Buddhist monks, they have no fear, and they have no fear because they don’t have anything to lose.

In whatever you wish to pursue doing you can excel, if you aren’t plagued with the fear of losing all your worldly possessions. Obviously you need to take the appropriate steps to put a roof over your head, but also know that you have little to fear except fear itself.

8. More Confidence

The entire minimalist lifestyle promotes individuality and self reliance. This will make you more confident in your pursuit of happiness.

What’s Next? Go Minimalism.

If you’re ready to start living a minimalist lifestyle, these articles can help you to kickstart:

Featured photo credit: Unsplash via unsplash.com

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