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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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      Published on November 14, 2018

      Why You Suffer from Constant Fatigue and How to Deal with It

      Why You Suffer from Constant Fatigue and How to Deal with It

      With our busy, always on lives, it seems that more and more of us are facing constant tiredness and fatigue on a regular basis.

      For many people, they just take this in their stride as part of modern life, but for others the impact can be crippling and can have a serious effect on their sense of wellbeing, health and productivity.

      In this article, I’ll share some of the most common causes of constant tiredness and fatigue and give you some guidance and action steps you can take to overcome some of the symptoms of fatigue.

      Why Am I Feeling Fatigued?

      Fatigue is extreme tiredness resulting from mental or physical exertion or illness.  It is a reduction in the efficiency of a muscle or organ after prolonged activity.[1]

      It can affect anyone, and most adults will experience fatigue at some point in their life. 

      For many people, fatigue is caused by a combination of lifestyle, social, psychological and general wellbeing issues rather than an underlying medical condition.

      Although fatigue is sometimes described as tiredness, it is different to just feeling tired or sleepy. Everyone feels tired at some point, but this is usually resolved with a nap or a few nights of good sleep. Someone who is sleepy may also feel temporarily refreshed after exercising. If you are getting enough sleep, good nutrition and exercising regularly but still find it hard to perform, concentrate or be motivated at your normal levels, you may be experiencing a level of fatigue that needs further investigation. 

      Symptoms of Fatigue

      Fatigue can cause a vast range of physical, mental and emotional symptoms including:

      • chronic tiredness, exhaustion or sleepiness
      • mental blocks
      • lack of motivation
      • headache
      • dizziness
      • muscle weakness
      • slowed reflexes and responses
      • impaired decision-making and judgement
      • moodiness, such as irritability
      • impaired hand-to-eye coordination
      • reduced immune system function
      • blurry vision
      • short-term memory problems
      • poor concentration
      • reduced ability to pay attention to the situation at hand

      Causes of Fatigue

      The wide range of causes that can trigger fatigue include:

      • Medical causes: Constant exhaustion, tiredness and fatigue may be a sign of an underlying illness, such as a thyroid disorder, heart disease, anemia or diabetes.
      • Lifestyle-related causes: Being overweight and a lack of regular exercise can lead to feelings of fatigue.  Lack of sleep and overcommitting can also create feelings of excessive tiredness and fatigue.
      • Workplace-related causes: Workplace and financial stress in a variety of forms can lead to feelings of fatigue.
      • Emotional concerns and stress: Fatigue is a common symptom of mental health problems, such as depression and grief, and may be accompanied by other signs and symptoms, including irritability and lack of motivation.

      Fatigue can also be caused by a number of factors working in combination.

      Medical Causes of Fatigue

      If you have made lifestyle changes to increase your energy and still feel exhausted and fatigued, it may be time to seek guidance from your doctor.

      Here are a few examples of illnesses that can cause ongoing fatigue. Seek medical advice if you suspect you have a health problem:

      Anemia

      Anemia is a condition in which you don’t have enough healthy red blood cells to carry adequate oxygen to the body’s tissues. It is a common cause of fatigue in women.

      Having anemia may make you feel tired and weak.

      There are many forms of anemia, each with its own cause. Anemia can be temporary or long term, and it can range from mild to severe.[2]

      Chronic Fatigue Syndrome (CFS)

      Chronic Fatigue Syndrome (CFS) is a condition that can cause persistent, unexplained fatigue that interferes with daily activities for more than six months.

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      This is a chronic condition with no one-size-fits-all treatment, but lifestyle changes can often help ease some symptoms of fatigue.[3]

      Diabetes

      Diabetes can cause fatigue with either high or low blood sugars. When your sugars are high, they remain in the bloodstream instead of being used for energy, which makes you feel fatigued. Low blood sugar (glucose) means you may not have enough fuel for energy, also causing fatigue.[4]

      Sleep Apnea

      Sleep apnea is a serious sleep disorder where sufferers briefly stop breathing for short periods during sleep. Most people are not aware this is happening, but it can cause loud snoring, and daytime fatigue.

      Being overweight, smoking, and drinking alcohol can all worsen the symptoms of sleep apnea.[5]

      Thyroid disease

      An underactive thyroid gland means you have too little thyroid hormone (thyroxine) in your body. This makes you feel tired and you could also put on weight and have aching muscles and dry skin.[6]

      Common lifestyle factors that can cause fatigue include:

      • Lack of sleep
      • Too much sleep 
      • Alcohol and drugs 
      • Sleep disturbances 
      • Lack of regular exercise and sedentary behaviour 
      • Poor diet 

      Common workplace issues that can cause fatigue include:

      • Shift work: Our body is designed to sleep during the night. A shift worker may confuse their circadian clock by working when their body is programmed to be asleep.
      • Poor workplace practices: This may include long work hours, hard physical labour, irregular working hours (such as rotating shifts), a stressful work environment, boredom or working alone. 
      • Workplace stress – This can be caused by a wide range of factors including job dissatisfaction, heavy workload, conflicts with bosses or colleagues, bullying, or threats to job security.
      • Burnout: This could be striving too hard on one area of your life while neglecting others, which leads to a life that feels out of balance.

      Psychological Causes of Fatigue

      Psychological factors are present in many cases of extreme tiredness and fatigue.  These may include:

      • Depression: Depression is characterised by severe and prolonged feelings of sadness, dejection and hopelessness. People who are depressed commonly experience chronic fatigue.
      • Anxiety and stress: Someone who is constantly anxious or stressed keeps their body in overdrive. The constant flooding of adrenaline exhausts the body, and fatigue sets in.
      • Grief: Losing a loved one causes a wide range of emotions including shock, guilt, depression, despair and loneliness.

      How to Tackle Constant Fatigue

      Here are 12 ways you can start tackling the causes of fatigue and start feeling more energetic.

      1. Tell The Truth

      Some people can numb themselves to the fact that they are overtired or fatigued all the time. In the long run, this won’t help you.

      To give you the best chance to overcome or eliminate fatigue, you must diagnose and tell the truth about the things that are draining your energy, making you tired or causing constant fatigue.

      Once you’re honest with yourself about the activities you’re doing in your life that you find irritating, energy-draining, and make you tired on a regular basis you can make a commitment to stop doing them.

      The help that you need to overcome fatigue is available to you, but not until you tell the truth about it. The first person you have to sell on getting rid of the causes of fatigue is yourself.

      One starting point is to diagnose the symptoms. When you start feeling stressed, overtired or just not operating at your normal energy levels make a note of:

      • How you feel
      • What time of day it is
      • What may have contributed to your fatigue
      • How your mind and body reacts

      This analysis may help you identify, understand and then eliminate very specific causes.

      2. Reduce Your Commitments

      When we have too many things on our plate personally and professionally, we can feel overstretched, causing physical and mental fatigue.

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      If you have committed to things you really don’t want to do, this causes irritability and low emotional engagement. Stack these up throughout your day and week, then your stress levels will rise.

      When these commitments have deadlines associated with them, you may be trying to cram in far too much in a short period of time.  This creates more stress and can affect your decision making ability.

      Start being realistic about how much you can get done. Either reduce the commitments you have or give yourself more time to complete them in.

      3. Get Clear On Your Priorities

      If working on your list of to-do’s or goals becomes too overwhelming, start reducing and prioritizing the things that matter most.

      Start with prioritizing just 3 things every day. When you complete those 3 things, you’ll get a rush of energy and your confidence will grow.

      If you’re trying to juggle too many things and are multi-tasking, your energy levels will drop and you’ll struggle to maintain focus.

      Unfinished projects can make you self-critical and feel guilty which drops energy levels further, creating inaction.

      Make a list of your 3 MIT (Most Important Tasks) for the next day before you go to bed. This will stop you overcommitting and get you excited about what the next day can bring.

      4. Express More Gratitude

      Gratitude and confidence are heavily linked. Just being thankful for what you have and what you’ve achieved increases confidence and makes you feel more optimistic.

      It can help you improve your sense of wellbeing, which can bring on feelings of joy and enthusiasm.

      Try starting a gratitude journal or just note down 3 things you’re grateful for every day.

      5. Focus On Yourself

      Exhaustion and fatigue can arrive by focusing solely on other people’s needs all the time, rather than worrying about and focusing on what you need (and want).

      There are work commitments, family commitments, social commitments. You may start with the best intentions, to put in your best performance at work, to be an amazing parent and friend, to simply help others.

      But sometimes, we extend ourselves too much and go beyond our personal limits to help others. That’s when constant exhaustion can creep up on us.  Which can make us more fatigued.

      We all want to help and do our best for others, but there needs to be some balance. We also need to take some time out just for ourselves to recharge and rejuvenate.

      6. Set Aside Rest and Recovery Time

      Whether it’s a couple of hours, a day off, a mini-break or a proper holiday, time off is essential to help us recover, recharge and refocus.

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      Recovery time helps fend off mental fatigue and allows us to simply kick back and relax.

      The key here, though, is to remove ourselves from the daily challenges that bring on tiredness and fatigue. Here’s how.

      Can you free yourself up completely from work and personal obligations to just rest and recover?

      7. Take a Power Nap

      When you’re feeling tired or fatigued and you have the ability to take a quick 20-minute nap, it could make a big difference to your performance for the rest of the day.

      Napping can improve learning, memory and boost your energy levels quickly.

      This article on the benefit of napping is a useful place to start if you want to learn more: How a 20-Minute Nap at Work Makes You Awake and Productive the Whole Day

      8. Take More Exercise

      The simple act of introducing some form of physical activity into your day can make a huge difference. It can boost energy levels, make you feel much better about yourself and can help you avoid fatigue.

      Find something that fits into your life, be that walking, going to the gym, running or swimming. 

      The key is to ensure the exercise is regular and that you are emotionally engaged and committed to stick with it.

      You could also walk more which will help clear your head and shift your focus away from stressful thoughts.

      9. Get More Quality Sleep

      To avoid tiredness, exhaustion and fatigue, getting enough quality sleep matters. 

      Your body needs sleep to recharge.  Getting the right amount of sleep every night can improve your health, reduce stress levels and help us improve our memory and learning skills.

      My previous article on The Benefits of Sleep You Need to Know will give you some action steps to start improving your sleep. 

      10. Improve Your Diet

      Heavy or fatty meals can make you feel sluggish and tired, whilst some foods or eating strategies do just the opposite.

      Our always on lives have us reaching for sweets or other sugary snacks to give us a burst of energy to keep going. Unfortunately, that boost fades quickly which can leave you feeling depleted and wanting more.

      On the other hand, whole grains and healthy unsaturated fats supply the reserves you can draw on throughout the day.

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      To keep energy up and steady, it’s a good idea to limit refined sugar and starches.

      Eating small meals and healthy snacks every few hours throughout the day provides a steady supply of nutrients to body and brain. It’s also important not to skip breakfast.

      Eating a balanced diet helps keep your blood sugar in a normal range and prevents that sluggish feeling when your blood sugar drops.

      11. Manage Your Stress Levels

      Stress is one of the leading causes of exhaustion and fatigue, and can seriously affect your health.

      When you have increased levels of stress at work and at home, it’s easy to feel exhausted all the time. 

      Identifying the causes of stress and then tackling the problems should be a priority. 

      My article on How to Help Anxiety When Life is Stressing You Out shares 16 strategies you can use to overcome stress.

      12. Get Hydrated

      Sometimes we can be so busy that we forget to keep ourselves fully hydrated.

      Water makes up about 60 percent of your body weight and is essential in maintaining our body’s basic functions.

      If we don’t have enough water, it can adversely affect our mental and physical performance, which leads to tiredness and fatigue.

      The recommended daily amount is around two litres a day, so to stay well hydrated keep a water bottle with you as much as possible.

      The Bottom Line

      These 12 tips can help you reduce your tiredness and feeling of fatigue.  Some will work better than others as we are all different, whilst others can be incorporated together in your daily life.

      If you’ve tried to make positive changes to reduce fatigue and you still feel tired and exhausted, it may be time to consider making an appointment with your doctor to discuss your condition.

      Featured photo credit: Annie Spratt via unsplash.com

      Reference

      [1]Oxford English Dictionary: Definition of fatigue
      [2]NHS Choices: 10 Reasons for feeling tired
      [3]Verywellhealth: What is chronic fatigue syndrome
      [4]Everyday Health: Why does type 2 diabetes make you feel tired
      [5]Mayo Clinic: Sleep apnea
      [6]Harvard Health: The lowdown on thyroid slowdown

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