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How Young Families Should Prepare for Their First Home Purchase

How Young Families Should Prepare for Their First Home Purchase

Buying your first home is a milestone for any new, young family, whether you’re newlyweds still on your own or you’re bringing a few little ones in tow. You need space to let your family grow and flourish, and the best garden for new families exists in your own home, where you won’t have to worry about landlords or picking up stakes after your lease. That said, planning for a home is no easy task–although going about it the right way makes the endeavor run much more smoothly.

Think About Your Dream House

Family planning is a huge issue when you’re ready to buy a home. You have to think about the size of your family because you don’t want to have to upgrade in a few years, sell your current home, and start the process over again. Do you plan to stay child-free or do you dream of a house full of children? Maybe two or three is your perfect number. Whatever the case, budget for bedrooms, bathrooms, and the perfect amount of space.

You likely have some necessities as well. What’s most important to you? Are you flexible on location, or are you determined to stay in, say, Tampa or Naples? Do you want a home in the city or a house surrounded by greenery? Think about both the luxuries and the essentials, such as:

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  • The number of floors
  • The number of bathrooms and bedrooms
  • A large yard
  • A ranch vs. a colonial
  • And the overall age of the home

Examine the Employment Situation

If you don’t have steady employment, you may want to think twice about buying a house. You don’t want to get stuck with a mortgage that you can’t pay. If your job is on the fence or you’re constantly changing careers, you might need to wait. Likewise, you should decide if both of you need to work. A single-income family situation might not work for the house of your dreams, even if your desires are flexible.

Get a Handle on Your Debts

New Home 2

    Your debts weigh heavily on your credit score. Are you in default on any of your school loans? Is there a credit card you’ve neglected to pay off that’s now coming back to haunt you? Before you even go see the bank or any lenders, check out your credit score. To determine your credit score, several aspects factor in:

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    • Your payment history
    • The amount you owe
    • The length of your credit history
    • Any new credit
    • The types of credit

    Don’t start opening credit accounts all over the place to boost your FICO score either. That will look even worse, and it will affect your mortgage rate. To get a good mortgage rate, you need a high credit score. At some lending offices, a credit score between 625 and 650 will get you a decent rate. If you want better options for financing and enviable interest rates, you need a score of 700, at least.

    If you fear your FICO score doesn’t pass muster, all hope isn’t lost. Start paying off your debts now. Use the snowball method if you have to, and pay off the card with the highest interest rate first, then work your way down the list.

    Work Out Your Mortgage Management

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    New Home 3

      The housing marketing is always on the rise and fall. Buying a home is a great idea now, because the housing industry is hot. Houses are being sold at lower rates for numerous reasons. That can work very well with your chances for an affordable mortgage rate through www.foundationmortgage.net. You can talk to someone at your local bank or other financial institution to see about your options. If the rates you’re quoted scare you, just remember this: having a mortgage is the same thing as paying rent, except you’re paying yourself to own your home. Your mortgage and interest rates create equity, which you can borrow from in times of trouble and write-off as a tax deduction. Be careful when doing this, you don’t want to borrow more than you can afford.

      There are 10.2 percent more single-family homes for sale in Florida than there were last year. That increases your chances of finding your dream home, but it will also help you get a better mortgage rate. The law of supply and demand that made good rates so hard to come by during the housing crisis is finally starting to calm down. You simply have to work out what kind of mortgage works for you:

      • A fixed-interest mortgage, which keeps your interest the same for life
      • An adjustable-rate mortgage, where the rate changes every year
      • Or an interest-only loan, which helps if you need a low payment in the beginning

      Stay Within Your Budget

      That being said, you still need to stay within your budget. Moving is a big deal anyway; just the cost of moving from a rental to a home you own will cost a bundle, especially if you need new furniture. Plan to spend anywhere between $5,000-$10,000, depending on where you’re going, what you own, and what you can do yourself. You can’t forget about broker’s fees, closing fees, and deposits, either, especially since the average cost of a home in Florida is up to $194,000.

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      Research Your Loan Options

      Whether you’re going for a Tampa mortgage, a Naples mortgage, or a straight Florida refinance plan, there are lots of loan options available to you. For instance, FHA loans come from the Federal Housing Administration, which backs you on insurance as long as you meet the qualifications. VA loans are available to active members of the military as well as eligible veterans. There are also loans from the government and housing offices in your local area, especially for people buying a home for the first time.

      Think Outside the Traditional Box

      If you’re thinking about an FHA loan, then realize that various HUD homes through the Department of Housing and Urban Development might become available to you. You have to meet strict qualifications, but they’re worth looking into if you’re having trouble getting a loan. You can even think about looking at foreclosed homes in your area, which may cost much less than other homes.

      Buying a home for the first time is scary but it’s also exciting; it’s one of the best investments you’ll ever make. Are you ready to take the plunge?

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      Last Updated on March 30, 2020

      Why You’re Feeling Tired All the Time (And What to Do About It)

      Why You’re Feeling Tired All the Time (And What to Do About It)

      Feeling tired all the time?

      Have you ever caught yourself nodding off when you’re watching TV, listening to someone drone on during a meeting or even driving a car?

      I know I have, especially when I worked 70 hours per week as a High-Tech Executive.

      Feeling tired all the time may be more widespread than you think. In fact, two-fifths of Americans are tired most of the week.[1]

      If you’re tired of feeling tired, then I’ve got some great news for you. New research is helping us gain critical insights into the underlying causes of feeling tired all the time.

      In this article, we’ll discuss the latest reasons why you’re feeling tired all the time and practical steps you can take to finally get to the bottom of your fatigue and feel rested.

      What Happens When You’re Too Tired

      If you sleep just two hours less than the normal eight hours, you could be as impaired as someone who has consumed up to three beers.[2] And you’ve probably experienced the impact yourself.

      Here are some common examples of what happens when you’re feeling tired:[3]

      • You may have trouble focusing because memory and learning functions may be impaired within your brain.
      • You may experience mood swings and an inability to differentiate between what’s important and what’s not because your brain’s neurotransmitters are misfiring.
      • You may get dark circles under your eyes and/or your skin make look dull and lackluster in the short term and over time your skin may get wrinkles and show signs of aging because your body didn’t have time to remove toxins during sleep.
      • You may find it more difficult to exercise or to perform any type of athletic activity.
      • Your immune system may weaken causing you to pick up infections more easily.
      • You may overeat because not getting enough sleep activates the body’s endocannabinoids even when you’re not hungry.
      • Your metabolism slows down so what you eat is more likely to be stored as belly fat.

      Are you saying that feeling tired can make me overweight?

      Unfortunately, yes!

      Feeling tired all the time can cause you to put on the pounds especially around your waist. But it is a classic chicken and egg situation, too.

      Heavier people are more likely to feel fatigued during the day than lighter ones. And that’s even true for overweight people who don’t have sleep apnea (source: National Institutes of Health).

      Speaking of sleep apnea, you may be wondering if that or something else is causing you to feel tired all the time.

      Why Are you Feeling Tired All the Time?

      Leading experts are starting to recognize that there are three primary reasons people feel tired on a regular basis: sleep deprivation, fatigue and Chronic Fatigue Syndrome (CFS).

      Here’s a quick overview of each root cause of feeling tired all of the time:

      1. Tiredness occurs from sleep deprivation when you don’t get high-quality sleep consistently. It typically can be solved by changing your routine and getting enough deep restorative sleep.
      2. Fatigue occurs from prolonged sleeplessness which could be triggered by numerous issues such as mental health issues, long-term illness, fibromyalgia, obesity, sleep apnea or stress. It typically can be improved by changing your lifestyle and using sleep aids or treatments, if recommended by your physician.
      3. Chronic Fatigue Syndrome (CFS) is a medical condition also known as Myalgic Encephalomyelitis that occurs from persistent exhaustion that doesn’t go away with sleep.

      The exact cause of CFS is not known, but it may be due to problems with the immune system, a bacterial infection, a hormone imbalance or emotional trauma.

      It typically involves working with a doctor to rule out other illnesses before diagnosing and treating CFS.[4]

      Always consult a physician to get a personal diagnosis about why you are feeling tired, especially if it is a severe condition.

      Feeling Tired vs Being Fatigued

      If lack of quality sleep doesn’t seem to be the root cause for you, then it’s time to explore fatigue as the reason you are frequently feeling tired.

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      Until recently, tiredness and fatigue were thought to be interchangeable. Leading experts now realize that tiredness and fatigue are different.

      Tiredness is primarily about lack of sleep.

      But fatigue is a perceived feeling of being tired that is much more likely to occur in people who have depression, anxiety or emotional stress and/or are overweight and physically inactive (source: Science Direct).

      Symptoms of fatigue include:

      • Difficulty concentrating
      • Low stamina
      • Difficulty sleeping
      • Anxiety
      • Low motivation

      These symptoms may sound similar to those of tiredness but they usually last longer and are more intense.

      Unfortunately, there is no definitive reason why fatigue occurs because it can be a symptom of an emotional or physical illness. But there are still a number of steps you can take to reduce difficult symptoms by making a few simple lifestyle changes.

      How Much Sleep Is Enough?

      The number one reason you may feel tired is because of sleep deprivation which means you are not getting enough high-quality sleep.

      Most adults need 7 to 9 hours of high-quality, uninterrupted sleep per night. If you’re sleep deprived, the amount of sleep you need increases.

      So, quantity and quality do matter when it comes to sleep.

      The key to quality sleep is being able to get long, uninterrupted sleep cycles throughout the night. It typically takes 90 minutes for you to reach a state of deep REM sleep where your body’s healing crew goes to work.

      Ideally, you want to get at least 3 to 4 deep REM sleep cycles in per night. That’s why it’s so important to stay asleep for 7 or more hours.

      Research also shows that people who think they can get by on less sleep don’t perform as well as people who get at least seven hours of sleep a night[5] So, you should definitely plan on getting seven hours of deep restorative sleep every night.

      If you are not getting 7 hours of high-quality sleep regularly, then sleep deprivation is most likely reason you feel tired all the time.

      And that is good news because sleep deprivation is much simpler and easier to address than the other root causes.

      It’s also a good idea to rule out sleep deprivation as the reason why you are tired before moving on to the other possibilities such as fatigue or Chronic Fatigue Syndrome, which may require a doctor for diagnosis and treatment.

      4 Simple Changes to Reduce Fatigue

      Personally, I’m a big believer in upgrading your lifestyle to uplift your life. I overcame chronic stress and exhaustion by making these four changes to my lifestyle:

      1. Eating healthy, home-cooked meals versus microwaving processed foods or eating out
      2. Exercising regularly
      3. Using stressbusters
      4. Creating a bedtime routine to sleep better

      So, I know it is possible to change your lifestyle even when you’re working crazy hours and have lots of family responsibilities.

      After I made the 4 simple changes in my lifestyle, I no longer felt exhausted all of the time.

      In addition, I lost two inches off my waist and looked and felt better than ever.

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      I was so excited that I wanted to help others replace stress and exhaustion with rest and well-being, too. That’s why I became a Certified Holistic Wellness Coach through the Dr. Sears Wellness Institute.

      Interestingly enough, I discovered that Dr. Sears recommends a somewhat similar L.E.A.N. lifestyle:

      • L is for Lifestyle and means living healthy including getting enough sleep.
      • E is for Exercise and means getting at least 20 minutes of exercise a day ideally for six days a week.
      • A is for Attitude and means thinking positive and reducing stress whenever possible.
      • N is for Nutrition and means emphasizing a right-fat diet, not a low-fat diet.

      The L.E.A.N. lifestyle is a scientifically-proven way to reduce fatigue, get to the optimal weight and to achieve overall wellness.[6]

      And yes, there does seem to be an important correlation between being lean and feeling rested.

      But overall based on my personal experience and Dr. Sear’s scientific proof, the key to not feeling tired all of the time does seem to be 4 simple changes to your lifestyle.

      L — Living Healthy

      Getting enough high-quality sleep every day is the surefire way to help you feel less fatigued, more rested and better overall.

      So, whether you’re sleep deprived or potentially suffering from fatigue or Chronic Fatigue Syndrome, you probably want to find a way to sleep better.

      In fact, if you aren’t getting enough sleep, your body isn’t getting the time it needs to repair itself; meaning that if you are suffering from an illness, it’s far more likely to linger.

      As unlikely as it sounds, though, fatigue can sometimes make it difficult to sleep. That’s why I’d recommend taking a look at your bedtime routine before you go to bed and optimize it based on sleep best practices.

      Here are 3 quick and easy tips for creating a pro-sleep bedtime routine:

      1. Unplug

      Many of us try to unwind by watching TV or doing something on an iPhone or tablet. But tech can affect your melatonin production due to the blue light that they emit, fooling your body into thinking it’s still daytime.

      So turn off all tech one hour before bed and create a tech-free zone in your bedroom.

      2. Unwind

      Do something to relax.

      Use the time before bed to do something you find relaxing such as reading a book, listening to soothing music, meditating or taking an Epsom salt bath.

      3. Get Comfortable

      Ensure your bed is comfortable and your room is set up for sleep.

      Make sure you room is cool. 60-68 degrees is the ideal temperature for most people to sleep.

      Also, it’s ideal if your bedroom is dark and there is no noise.

      Finally, make sure everything is handled (e.g., laying out tomorrow’s clothes) before you get into your nice, comfy bed.

      If your mind is still active, write a to-do list to help you fall asleep faster.[7]

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      Above all, be gentle with yourself and count your blessings, some sheep or whatever helps.

      This article also offers practical tips to build a bedtime routine: How to Build a Good Bedtime Routine That Makes Your Morning Easier

      E — Exercise

      Many people know that exercise is good for them, but just can’t figure out how to fit it into their busy schedules.

      That’s what happened in my case.

      But when my chronic stress and exhaustion turned into systemic inflammation (which can lead to major diseases like Alzheimer’s), I realized it was time to change my lifestyle.

      As part of my lifestyle upgrade, I knew I needed to move more.

      My friends who exercise all gave me the same advice: find an exercise you like to do and find a specific time in your schedule when you can consistently do it.

      That made sense to me.

      So, I decided to swim.

      I used to love to swim when I was young, but I hadn’t done it for years. The best time for me to do it was immediately after work, since I could easily get an open swim lane at my local fitness club then.

      Also, swimming became a nice reason for me to leave work on time. And I got to enjoy a nice workout before eating dinner.

      Swimming is a good way to get your cardio or endurance training. But, walking, running and dancing are nice alternatives.

      So find an exercise you love and stick to it. Ideally, get a combination of endurance training, strength training and flexibility training in during your daily 20-minute workout.

      If you haven’t exercised in a while and have a lot of stress in your life, you may want to give yoga a try because you will increase your flexibility and lower your stress.

      A — Attitude

      Stress may be a major reason why you aren’t feeling well all of the time. At least that was the case with me.

      When I worked 70 hours per week as a High-Tech Executive, I felt chronically stressed and exhausted. But there was one thing that always worked to help me feel calmer and less fatigued.

      Do you want to know what that master stress-busting technique was?

      Breathing.

      But not just any old breathing. It was a special form of deep Yogic breathing called the “Long-Exhale Breathing” or “4-7-8 breathing” or “Pranayama” in Sanskrit).

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      Here’s how you do “Long-Exhale Breathing”:

      1. Sit in a comfortable position with your spine straight and your hand on your tummy (so you know you are breathing deeply from your diaphragm and not shallowly from your chest)
      2. Breathe in deeply and slowly from your diaphragm with your mouth closed while you count to 4 (ideally until your stomach feels full of air)
      3. Hold your breath while you count to 7 mentally and enjoy the stillness
      4. Breathe out through your mouth with a “ha” sound while you count to 8 (or until your stomach has no more air in it)
      5. Pause after you finish your exhale while you notice the sense of wholeness and relaxation from completing one conscious, deep, long exhale breath
      6. Repeat 3 times ensuring your exhale is longer than your inhale so you relax your nervous system

      This type of “long-exhale breathing” is scientifically proven to reduce stress.

      When your exhale is twice as long as your inhale, it soothes your parasympathetic nervous system, which regulates the relaxation response.[8]

      Plus, this is a great technique for helping you get to sleep, too.

      N — Nutrition

      Diet is vital for beating fatigue – after all, food is your main source of energy.

      If your diet is poor, then it implies you’re not getting the nutrients you need to sustain healthy energy levels.

      Eating a diet for fatigue doesn’t need to be complicated, time-consuming though.

      For most people, it’s just a case of swapping a few unhealthy foods for a few healthier ones, like switching from low-fiber, processed foods to whole, high-fiber foods.

      Unless your current diet is solely made up of fast food and ready meals, adjusting to a fatigue-fighting diet shouldn’t be too much of a shock to the system.

      Here’re 9 simple diet swaps you can make today:

      1. Replace your morning coffee with Matcha green tea and drink only herbal tea within six hours of bedtime.
      2. Add a healthy fat or protein to your any carb you eat, especially if you eat before bed. Please note that carb-only snacks lead to blood-sugar crashes that can make you eat more and they can keep you from sleeping.
      3. Fill up with fiber especially green leafy vegetables. Strive to get at least 25g per day with at least 5 servings (a serving is the size of your fist) of green vegetables.
      4. Replace refined, processed, low-fiber pastas and grains with zucchini noodles and whole grains such as buckwheat, quinoa, sorghum, oats, amaranth, millet, teff, brown rice and corn.
      5. Swap natural sweeteners for refined sugars and try to ensure you don’t get more than 25g of sugar a day if you are a woman and 30g of sugar a day if you are a man.
      6. Replace ice cream with low-sugar alternatives such as So Delicious Dairy-Free Vanilla Bean Coconut Ice Cream.
      7. Swap omega-6, partially-hydrogenated oils such as corn, palm, sunflower, safflower, cotton, canola and soybean oil for omega-3 oils such as flax, olive and nut oils.
      8. Replace high-sugar yoghurts with low-sugar, dairy-free yoghurts such as Kite Hill Plain Yoghurt with 1g sugar or Lifeway Farmer Cheese with 0g sugar.
      9. Swap your sugar-laden soda for sparkling water with a splash of low-sugar juice

      Also, ensure your diet is giving you enough of the daily essential vitamins and minerals. Most of us don’t get enough Vitamin D, Vitamin B-12, Calcium, Iron and Magnesium. If you are low on any of the above vitamins and minerals, you may experience fatigue and low energy.

      That’s why it’s always worth having your doctor check your levels. If you find any of them are low, then try to eat foods rich in them.

      Alternatively, you might consider a high-quality multi-vitamin or specific supplement.

      The Bottom Line

      If you are tired of feeling tired, then there is tremendous hope.

      If you are tired because you are not getting enough high-quality sleep, then the best remedy is a bedtime routine based on sleep best practices.

      If you are tired because you have stress and fatigue, then the best remedy are four simple lifestyle changes including:

      • Enough High-Quality Sleep with Bedtime Routine
      • Regular Exercise You Love
      • Stress Reduction with Long-Exhale Breathing
      • Fatigue-Reducing Diet

      Overall, adopting a healthier lifestyle Is the ideal remedy for feeling more rested and energized.

      More Tips to Help You Rest Better

      Featured photo credit: Cris Saur via unsplash.com

      Reference

      [1] YouGov: Two-fifths of Americans are tired most of the week
      [2] National Safety Council: Is Your Company Confronting Workplace Fatigue?
      [3] The New York Times: Why Are We So Freaking Tired?
      [4] Mayo Clinic: Chronic fatigue syndrome
      [5] Mayo Clinic: Lack of sleep: Can it make you sick?
      [6] Ask Dr. Sears: The L.E.A.N. Lifestyle
      [7] American Psychological Association: Getting a Good Night’s Sleep
      [8] Yoga International: Learning to Exhale: 2-to-1 Breathing

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