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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

7 Useful Sites When Buying a House in the UK 7 things to think about before buying your first home

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Last Updated on December 2, 2019

10 Powerful Ways to Stop Worrying and Start Living Today

10 Powerful Ways to Stop Worrying and Start Living Today

Plato knew that the body and mind are intimately linked. And in the late 1800s, the Mayo brothers, famous physicians, estimated that over half of all hospital beds are filled with people suffering from frustration, anxiety, worry and despair. Causes of worry are everywhere, in our relationships and our jobs, so it’s key we find ways to take charge of the stress.

In his classic book How to Stop Worrying and Start Living, Dale Carnegie offers tools to ditch excessive worrying that help you make a worry-free environment for your private and professional life.

These are the top 10 tips to grab worry by the horns and wrestle it to the ground:

1. Make Your Decision and Never Look Back

Have you ever made a decision in life only to second-guess it afterwards? Of course you have! It’s hard not to wonder whether you’ve done the right thing and whether there might still be time to take another path.

But keep this in mind: you’ve already made your decision, so act decisively on it and dismiss all your anxiety about it.

Don’t stop to hesitate, to reconsider, or to retrace your steps. Once you’ve chosen a course of action, stick to it and never waver.

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2. Live for Today, Package Things up in “Day-Tight Compartments”

You know that feeling: tossing, turning and worrying over something that happened or something that might, well into the wee hours. To avoid this pointless worrying, you need “day-tight compartments”. Much as a ship has different watertight compartments, your own “day-tight” ones are a way to limit your attention to the present day.

The rule is simple: whatever happened in the past or might happen in the future must not intrude upon today. Everything else has to wait its turn for tomorrow’s box or stay stuck in the past.

3. Embrace the Worst-Case Scenario and Strategize to Offset It

If you’re worried about something, ask yourself: “What’s the worst thing that could happen?” Could you lose your job? Be jailed? Get killed?

Whatever the “worst” might be, it’s probably not so world-ending. You could probably even bounce back from it!

If, for example, you lose your job, you could always find another. Once you accept the worst-case scenario and get thinking about contingency plans, you’ll feel calmer.

4. Put a Lid on Your Worrying

Sometimes we stress endlessly about negative experiences when just walking away from them would serve us far better.

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To make squashing that worry easier, try this strategy, straight from stock traders: it’s called the “stop-loss” order, where shares are bought at a certain price, and then their price development is observed. If things go badly and the share price hits a certain point, they are sold off immediately. This stops the loss from increasing further.

In the same manner, you can put a stop-loss order on things that cause you stress and grief.

5. Fake It ‘Til You Make It – Happiness, That Is

We can’t directly influence how we feel, but we can nudge ourselves to change through how we think and act.

If you’re feeling sad or low, slap a big grin on your face and whistle a chipper tune. You’ll find it impossible to be blue when acting cheerful. But you don’t necessarily need to act outwardly happy; you can simply think happier thoughts instead.

Marcus Aurelius summed it up aptly:

“Our life is what our thoughts make it.”

6. Give for the Joy of Giving

When we perform acts of kindness, we often do so with the expectation of gratitude. But harboring such expectations will probably leave you disappointed.

One person well aware of this fact was the lawyer Samuel Leibowitz. Over the course of his career, Leibowitz saved 78 people from going to the electric chair. Guess how many thanked him? None.

So stop expecting gratitude when you’re kind to someone. Instead, take joy from the act yourself.

7. Dump Envy – Enjoy Being Uniquely You

Your genes are completely unique. Even if someone had the same parents as you, the likelihood of someone identical to you being born is just one in 300,000 billion.

Despite this amazing fact, many of us long to be someone else, thinking the grass is greener on the other side of the fence. But living your life this way is pointless. Embrace your uniqueness and get comfortable with who you really are: How to Be True to Yourself and Live the Life You Want

8. Haters Will Hate — It Just Means You’re Doing It Right

When you’re criticized, it often means you’re accomplishing something noteworthy. In fact, let’s take it a step further and consider this: the more you’re criticized, the more influential and important a person you likely are.

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So the next time somebody talks you down, don’t let it get to you. Take it as a compliment!

9. Chill Out! Learn to Rest Before You Get Tired

Scientists agree that emotions are the most common cause of fatigue. And it works the other way around, too: fatigue produces more worries and negative emotions.

It should be clear, therefore, that you’ve got to relax regularly before you feel tired. Otherwise, worries and fatigue will accumulate on top of each other.

It’s impossible to worry when you are relaxed, and regular rest helps you maintain your ability to work effectively.

10. Get Organized and Enjoy Your Work

There are few greater sources of misery in life than having to work, day in, day out, in a job you despise. It would make sense then that you shouldn’t pick a job you hate, or even just dislike doing.

But say you already have a job. How can you make it more enjoyable and worry-free? One way is to stay organized: a desk full of unanswered mails and memos is sure to breed worries.

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Better yet, rethink about the job you’re doing: What to Do When You Hate Your Job but Want a Successful Career

More About Living a Fulfilling Life

Featured photo credit: Tyler Nix via unsplash.com

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