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The Ultimate Guide To Buying Your Dream Home

The Ultimate Guide To Buying Your Dream Home

All of us have an idea of what our dream home will be like. We might’ve made vision boards filled with magazine cut-outs of Gothic mansions, penthouses or swanky Upper East Side apartments. Some of us are even actively working towards it.

Buying a beautiful house is probably the most important and expensive purchase you’ll ever make, so it is imperative to consider a few things before actually doing it such as figuring out the mortgage, researching the home loans available and of course effectively managing your finances before and after.

1. Decide How Your Dream House Will Be Like

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    This is the time to unleash the dreamer in you. Imagine how your dream house will be like. Don’t think about the house you’d buy if you had all the money in the world but the house you really need. Work out the number of rooms depending on the number of people who will live in it, whether it’s going to be an apartment or bungalow, and the like. Check out pictures and home listings online. Also, consider the location and neighbourhood.

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    2. Decide Your Budget

    Budget

      Once you have a good idea about your needs, think about the budget and planning. How much money are you willing to shell out? If you’re looking at listings online, compare prices. Once you fix a budget, try to stay within it as you’ll have extra expenses – furniture, decoration, and maintenance costs – to consider.

      3. Double Check Size, Location, Price

      property-for-sale-5-1413776

        Now that you know exactly what you’re after, it’s time to review the facts. Check if the size of your new home is adequate not only for now but also for the future, especially if you’re planning to have children. Check if the location doesn’t make daily commuting to the office difficult and if the neighbourhood isn’t shady.

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        And finally, the price. See if you can get it a bit cheaper. As per stats, 44% buyers found their dream home via the internet and 33% hired a realtor. We suggest you hire a realtor and go for a pre-inspection. Make sure you’re getting a good deal.

        4. Fix A Deadline

        Deadline

          Now fix a date in the future, write it down, and tape it to the fridge or wherever you’re likely to see it often. This is your goal. By this day, not only will you have purchased your dream move, but you’ll also be busy packaging items to move in. Make sure the date is realistic and that you can work towards it every day.

          5. Research Home Loan Options

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            Perhaps the most important step of all, this is where you figure out the finances. Spend time researching the home loan options available, and choose one that seems the most flexible, saves interest costs and offers a grace period or EMI repayments. Calculate the EMI you have to pay back each month and see if you need a pay rise in your salary or another job. Do not take a risk here.

            6. Work Out The Mortgage

              Remember that prices of houses rise and fall. Do you have plans of selling this place in the future and moving somewhere else? Do you want to rent a part of it and make passive income? Given that 42.9% of all families have a home-secured debt (2013), it is important to not fall into the trap.

              There are plenty of affordable mortgage rates available – choose whether you need one with a fixed interest, adjustable rates or an interest-only loan. Consult a professional in case you are unsure before getting a mortgage pre-approval.

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              7. Get A Home Warranty

              home-warranty

                Nothing in this world is permanent. Earthquakes and natural disasters can happen anytime. All houses require regular repairing. Think about the future white-washing costs, plumbing leaks, rust and sediment deposition and get a home warranty that will ensure that even if something goes wrong, you don’t have to burn a hole in your pocket to replace it.

                To recap, before embarking on the purchase of a new home, list your requirements for your new house, make a plan, decide a budget and fix a deadline. Then research on your home loan, mortgage and warranty options and choose the one that is the best match. Go for a prior inspection and if it’s your first time, don’t hesitate to ask for professional advice and soon enough your dream home will be all yours!

                Featured photo credit: http://www.stockvault.net/photo/132348/beautiful-house via stockvault.net

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                Last Updated on November 17, 2019

                20 Creative Ways To Say Thank You

                20 Creative Ways To Say Thank You

                Saying, “Thank you,” can be difficult to do. Some things just demand a little something extra because of the magnitude of the favor or the depth of appreciation involved. But what can you do to say thank you in a meaningful way? Sometimes you have to get a little more creative than just firing off an email. Here are 20 creative ways to say thank you that your friends and family will remember and cherish!

                1. Make a gift bag.

                A unique, homemade gift bag with a custom label or a note is a simple but heartfelt way to show your appreciation for the wonderful things your friends or family have done for you.

                2. Give a toast.

                Many people fear public speaking more than death, giving this particular thank-you a little extra meaning. Composing a sincere, eloquent toast and delivering it is a nice way to show appreciation that truly comes from the heart.

                3. Write a poem.

                “Roses are red, violets are blue…” Uh, you could write that...but why not put a little extra zing in it? Find out what their favorite kind of poetry is: haiku, free verse, iambic pentameter, and so on. (Google them if you don’t know what they are.) Then write one that expresses why they deserve your thanks…and why you’re glad to give it!

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                4. Create your own labels.

                There are a number of websites that offer custom gift labels. Find one that fits your personality and that of your friends and create a personalized thank-you label!

                5. Give a gift card.

                Sometimes choosing what to give a friend can be tough. A gift card is a good way to get around this problem. As always, be sure to include a personalized note or card thanking the recipient for their friendship and help.

                6. Send a letter.

                Snail-mail is a largely lost art form. Don’t worry about how long the letter is, though. What really matters here is that you took the time to put pen to paper and express your feelings sincerely and honestly!

                7. Use social media to send a special message.

                If someone’s done something you think the whole world should know about, why not put out a social media blast? Use your blog, your Facebook, your Google+ account, and your Twitter to spread the word about why this person’s someone your friends will want to know too!

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                8. Make your own digital greeting card.

                While an email isn’t always the best way to go when saying thank you, a digital greeting card that you put time and effort into creating can really brighten someone’s day! Make the card reflect the recipient’s personality and compose a short message of thanks for their generosity.

                9. Make a YouTube video.

                Sometimes, actually hearing someone say, “Thank you,” can make all the difference. Why not take it a step further and create a special video of thanks for your friends, family, and those special people who helped make your day so important…or who helped you through that rough time?

                10. Deliver cookies or candies.

                Making something yourself is a fun and delightful way to say thank you to someone. Create a sampling of baked goods or homemade candies and decorate them with a simple message, or make them so they form letters! (Think Valentine’s candies, only situationally appropriate.) Attach a thank-you note or label and surprise those special people with the gift of your time and creativity.

                11. Make surprise gifts for guests.

                There’s no need to wait until “later” to send a thank-you message. Why not do it at the time? Create little gift packets or bags for your guests with surprises inside. This is a great way to say thanks to the people who attended your event, and make sure they won’t want to miss the next one!

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                12. Put together a flower basket.

                Whether you prefer fresh or artificial flowers, assembling a flower basket with a thank-you note is an excellent way to brighten someone’s day and show you appreciate them.

                13. Take a picture.

                Sometimes capturing the moment is the best way to put a smile on someone’s face. Have someone take a picture of you receiving that special gift or opening that surprise package and send the giver a copy with a quick but sincere note to say thanks!

                14. Repay their generosity by paying it forward.

                The best gifts come from the heart, and the best way to repay a gift is to pay it forward. If your friend has a special cause they care about or something they believe in passionately, why not make a donation in their name or volunteer some of your time to the cause? This will mean more than any number of cookies, candies, or thank-you notes because you’re taking your friend’s love and spreading it around to others.

                15. Do something special for them.

                Take them out to dinner. (See “make a toast.”) Give them that movie they’ve been wanting forever. Cook them dinner and give them a present when they arrive. Any of these are good options for showing someone you really appreciate them and how grateful you are to have them in your life.

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                16. Reciprocate their help.

                Everyone needs help sometime. Whether it’s holding their hand through a particularly traumatic incident or helping them replace the alternator in their car, being there when they need it shows you remember what they did for you and how much it meant. It also shows that you’re willing to be just as good a friend to them as they were to you!

                17. Be there for them.

                Not every thank-you gesture has to be a grand public spectacle. Sometimes just giving them a place to come hang out when they’re lonely or showing up to offer them a sympathetic shoulder means the world to a person.

                18. Listen to them.

                Listening is almost as lost an art as the handwritten letter. When your friend or family member needs to talk, listen to them. Ask questions when appropriate, but just letting them know you’re there and paying attention to them to the exclusion of all else for a little while is a great way to say thank you for the times they listened to you.

                19. Say it in another language…or two…

                A simple thank you is great…but why not spice it up a little? Instead of just saying, “Thank you,” write or make a video of you telling them thank you in different languages. Some examples might be, “Gracias! Merci! Danke schoen! Spasibo! Mahalo!” and any other ways or languages you can think of. (The ones listed above are Spanish, French, German, Russian, and Hawaiian, in case you were wondering.) If you want to really get tricky about it, say a short phrase in each language that conveys why you’re thanking them!

                20. Show them some love.

                A simple touch, a hug, or helping out when they need it without being asked may be the most powerful gratitude message you can send. Offer to take the dogs for a walk, sit for the kids for a few hours, or run to the grocery store so they don’t have to. The little things are often the most important and meaningful. That doesn’t mean you shouldn’t still send a note, but sometimes your simple presence and willingness to help is all that really matters.

                Featured photo credit: Hanny Naibaho via unsplash.com

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