Thursday, October 22, 2020

Turning Homeownership Chaos Into Peace At Home

*collaborative post

Buying your first house is an exciting moment. The change of habits from tenant to homeowner can be dramatic! For many new homeowners, it is a learning curve, during which they adjust to their responsibilities. Having your own home is a fantastic experience that teaches you a lot about house maintenance, interior style, and budget management. But not every first-time buyer is ready to tackle the challenges with an open mind. Truth be told, you’re going to find homeownership highly stressful at times. After all, it is an unknown world that differs significantly from your experience as a tenant. Yet, you shouldn’t let those differences unsettle you. 

There is a lot of joy in homeownership. But, if you’re going to make it enjoyable, you need to learn to tackle the obstacles that are most likely to drive your stress levels through the roof. Create a peaceful nest out of a chaotic journey at the heart of the real estate market. 

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Making The Exterior Beautiful and Manageable

Don’t you dream of a beautiful garden in your front- or your backyard (or both)? It’s surprisingly easy to start a gardening project you can’t manage. Lush vegetation and beautifully trimmed bushes in a variety of elegant shapes are what public parks are made of. But if you intend to do the same with your backyard, you’ll soon discover that it is, in fact, a monumental task. While this isn’t to say that you should abandon your dream of a green garden and cover every with a slab of concrete cement, you need to be more realistic. Too many homeowners waste a lot of time and money trying to control a garden that would require daily professional maintenance service. Instead, it can be a lot more satisfying to pick a more natural pattern. Slight meadow growth in the backyard, for instance, is a manageable design that can elegantly add patches of colors. Besides, meadow yards need only little maintenance work throughout the year, and they add a controlled overgrown look and feel. There’s a sense of peacefulness to it, not just in terms of management but also you’ll find yourself smiling when you look at it. 

No Rental Fees, Yet New House Payments to Manage

Have you budgeted enough for your home? 

As a first-time buyer, it’s not uncommon to miss essential costs in your calculations. It’s part of the learning process, and you are more than likely to discover further necessary improvement projects as you move in. From needing to upgrade the bathroom to having to repair the roof, these nasty surprises can tear apart your budget. Here’s a little fact for you: Most first-time homeowners don’t borrow enough money through their mortgage, so they are left wondering how to pay for further improvement works. There are a few options available. You can reach out to your bank to discuss a second loan application; however, depending on your credit score, it can be tricky. Alternatively, you can borrow against your existing mortgage, using solutions such as the homeowner loans from Evolution Money. If borrowing isn’t an option, you can prioritize projects, delaying work that isn’t essential until later. This will allow you to save and budget accordingly. 

DIY Improvements Come At a Cost

I’ll do it myself; it’ll be cheaper. 

Are you sure about that? DIY mishaps can drive your costs high. In the UK only, enthusiastic homeowners are known to make costly mistakes. You could injure yourself severely. Over one in ten individuals is likely to experience bad cuts during a DIY project. A whopping 10% get hurt by falling from a ladder. Don’t underestimate health costs as you embrace home improvement works. Causing damage to the house can also lead to high expenses, from knocking a hole into the walls to causing leaks. Sometimes, paying for expert work is the best way to protect your budget! 

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You Don’t Need to Keep All Your Things

Have you moved in with an army of cardboard boxes? It is tempting to keep hold of all your belongings, even those that have been part of your life since your first dorm room. The battered desk, the old student clothes you’re not wearing anymore, the home decor gifts you dislike, the magazines and books you haven’t read in years, etc. The list is long, but there are many things in your home that can create clutter. Use the opportunity to get rid of your clutter ahead of the move. It’ll only create more stress and drain your wallet otherwise. 

Don’t let the homeownership chaos take over. There will be a lot of mistakes and new things you discover along the way. But saving yourself unnecessary stress by considering the most practical approach to some common issues, you can preserve your mental health. Breathe in. Breathe out. Welcome to your new home; seize the challenges with a smile! 

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