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5 Tips Every First-time Homebuyer Needs to Know

5 Tips Every First-time Homebuyer Needs to Know

There are few things as nerve wracking as buying your first home. Deep down, you know that you will be living there for quite a few years, and that knowledge makes anyone nervous. Here is the ultimate guide of things to consider as you purchase the first home.

1. A Safe Neighborhood

A lot of people think this won’t be a big deal. It will be. There are neighborhoods all over America where homes are robbed every day and people don’t feel safe in their own home. Oftentimes just a few blocks from these neighborhoods are nice, safe, friendly communities that cost just a little more to live in. When you look at homes be sure to walk around the block and get a feel for the neighborhood. Are there kids playing in the streets? Is there a feeling of ease or distress in the air? You will be able to sense pretty quickly if people feel safe in the neighborhood.

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2. The Wear and Tear

When looking at each home take a close look at the water heater, furnace, A/C, and shingles. These things tend to wear out on every home at some point, and there is nothing worse than purchasing a home and being forced to replace an expensive appliances in the same year. If you do not have a lot saved up, it may be a good idea to get a home warranty for your first year to cover major repairs, at least until you can rebuild your savings.

3. Utilities

Many people that go from renting to owning do not realize what a significant increase in utilities can come from the change. Some couples are astounded to find out that utilities that were once $200 are suddenly $700 or $800 a month, well above the range they can afford. Cities charge differently for utilities. Some newer cities have recently built their entire infrastructure and are paying off the debt, making utility prices much higher in these places. Other cities charge a lot more for utilities because of expensive taxes, etc. Be sure to get a good idea of what the average utility costs are for your size of home, before locking yourself into a potentially awful situation. There are dozens of online calculators that can help you get an idea of what your utilities will cost.

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4. Lawn Maintenance

You may go and look at a home and admire how beautiful the yard and lawn look. Do not forget that good yards come with a price, and that is both hard work and money. You will need to buy a lawnmower and a weed eater at a minimum. If there are flower beds, you will probably have to invest a lot of time weeding. If your neighbors have weeds, you will also come to realize that it is going to be a long battle fighting those weeds off from your own yard.

Another big thing to look for here is for a sprinkling system. Keeping a lawn green in most areas requires watering at least every other day. If the home does not have a sprinkling system, you may quickly discover that you do not have the time to deal with sprinklers in the middle of all the chaos of settling in the new house, and your lawn will quickly dry up.

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5. Don’t Rush

Many new buyers feel the need to rush into buying their first home. This is not necessary. Spend time getting to know the different markets that you are interested in. As you look you will begin to develop a much better idea of what you really are interested in. If nothing comes up in a few months, you can know that you are probably looking for features that are out of your price range, but until then, take your time and find a home you can really be proud of.

Featured photo credit: Cathy Yeulet via 123rf.com

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Last Updated on March 13, 2019

How to Get out of a Rut: 12 Useful Ways to Get Unstuck

How to Get out of a Rut: 12 Useful Ways to Get Unstuck

Have you gotten into a rut before? Or are you in a rut right now?

You know you’re in a rut when you run out of ideas and inspiration. I personally see a rut as a productivity vacuum. It might very well be a reason why you aren’t getting results. Even as you spend more time on your work, you can’t seem to get anything constructive done. While I’m normally productive, I get into occasional ruts (especially when I’ve been working back-to-back without rest). During those times, I can spend an entire day in front of the computer and get nothing done. It can be quite frustrating.

Over time, I have tried and found several methods that are helpful to pull me out of a rut. If you experience ruts too, whether as a working professional, a writer, a blogger, a student or other work, you will find these useful. Here are 12 of my personal tips to get out of ruts:

1. Work on the small tasks.

When you are in a rut, tackle it by starting small. Clear away your smaller tasks which have been piling up. Reply to your emails, organize your documents, declutter your work space, and reply to private messages.

Whenever I finish doing that, I generate a positive momentum which I bring forward to my work.

2. Take a break from your work desk.

Get yourself away from your desk and go take a walk. Go to the washroom, walk around the office, go out and get a snack.

Your mind is too bogged down and needs some airing. Sometimes I get new ideas right after I walk away from my computer.

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3. Upgrade yourself

Take the down time to upgrade yourself. Go to a seminar. Read up on new materials (#7). Pick up a new language. Or any of the 42 ways here to improve yourself.

The modern computer uses different typefaces because Steve Jobs dropped in on a calligraphy class back in college. How’s that for inspiration?

4. Talk to a friend.

Talk to someone and get your mind off work for a while.

Talk about anything, from casual chatting to a deep conversation about something you really care about. You will be surprised at how the short encounter can be rejuvenating in its own way.

5. Forget about trying to be perfect.

If you are in a rut, the last thing you want to do is step on your own toes with perfectionist tendencies.

Just start small. Do what you can, at your own pace. Let yourself make mistakes.

Soon, a little trickle of inspiration will come. And then it’ll build up with more trickles. Before you know it, you have a whole stream of ideas.

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6. Paint a vision to work towards.

If you are continuously getting in a rut with your work, maybe there’s no vision inspiring you to move forward.

Think about why you are doing this, and what you are doing it for. What is the end vision in mind?

Make it as vivid as possible. Make sure it’s a vision that inspires you and use that to trigger you to action.

7. Read a book (or blog).

The things we read are like food to our brain. If you are out of ideas, it’s time to feed your brain with great materials.

Here’s a list of 40 books you can start off with. Stock your browser with only the feeds of high quality blogs, such as Lifehack.org, DumbLittleMan, Seth Godin’s Blog, Tim Ferris’ Blog, Zen Habits or The Personal Excellence Blog.

Check out the best selling books; those are generally packed with great wisdom.

8. Have a quick nap.

If you are at home, take a quick nap for about 20-30 minutes. This clears up your mind and gives you a quick boost. Nothing quite like starting off on a fresh start after catching up on sleep.

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9. Remember why you are doing this.

Sometimes we lose sight of why we do what we do, and after a while we become jaded. A quick refresher on why you even started on this project will help.

What were you thinking when you thought of doing this? Retrace your thoughts back to that moment. Recall why you are doing this. Then reconnect with your muse.

10. Find some competition.

Nothing quite like healthy competition to spur us forward. If you are out of ideas, then check up on what people are doing in your space.

Colleagues at work, competitors in the industry, competitors’ products and websites, networking conventions.. you get the drill.

11. Go exercise.

Since you are not making headway at work, might as well spend the time shaping yourself up.

Sometimes we work so much that we neglect our health and fitness. Go jog, swim, cycle, whichever exercise you prefer.

As you improve your physical health, your mental health will improve, too. The different facets of ourselves are all interlinked.

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Here’re 15 Tips to Restart the Exercise Habit (and How to Keep It).

12. Take a good break.

Ruts are usually signs that you have been working too long and too hard. It’s time to get a break.

Beyond the quick tips above, arrange for a 1-day or 2-days of break from your work. Don’t check your (work) emails or do anything work-related. Relax and do your favorite activities. You will return to your work recharged and ready to start.

Contrary to popular belief, the world will not end from taking a break from your work. In fact, you will be much more ready to make an impact after proper rest. My best ideas and inspiration always hit me whenever I’m away from my work.

Take a look at this to learn the importance of rest: The Importance of Scheduling Downtime

More Resources About Getting out of a Rut

Featured photo credit: Joshua Earle via unsplash.com

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