Category: Home

Homes Through The Ages: Which Type Is Right For You?

As you age, the home you live in should change. This is important for personal, financial and even physical needs. The wrong home at a certain age will impact your health while choosing the wrong type of property at another age could cripple you financially. So, let’s look at where you should be living at age stage in your life and why this is the best and brightest decision.

 

Twenty To Thirty: Living A Friends Kind Of Life

It Won’t Look Quite Like This

 

Ideally, you should be looking to live in an apartment between twenty and thirty. There are various reasons for this but let’s start with the financial benefits. Living in an apartment will ensure that you have a better chance to afford it. It’s far easier to pay off a fifty thousand apartment compared with a 200K home. This means that you are less likely to end up in a debt trap because you bought that three bedroom house far too early when your paycheck simply couldn’t cover the cost.

 

Don’t forget that tax and energy bills are also incredibly expensive for a house, at least in comparison to an apartment. For instance, you buy an apartment on a middle floor, you won’t need the heating on in your flat as much because heat will be rising from the properties below you.

 

There’s another financial benefit too. With this type of property, you can avoid issues with repairs, particularly if you are renting. Once you buy a home, you will have to pay for any repairs that you complete. The beauty of buying an apartment is that the building owner will be responsible for at least some of the repairs and need to pay a certain amount of the cost. Particularly, if the issue was caused by a fault in the building.

 

As well as this, you can consider renting and dodge repair costs completely. There’s another reason why renting an apartment is a smart choice at this age though and that brings us to personal benefits.

 

When you rent an apartment, you’re not tied down at all. You’ll be able to move on whenever you want which is great because job security at this age is rare. You need to be able to move for a job without having to worry about selling your property first.

 

On top of that, there are other personal perks. Young people won’t often be living in houses because they can’t afford them. Instead, you’ll find them in apartments. So, if you want to live close to people in your age group an apartment really is the best possibility. And hey, if the elevator breaks down, at least you’ll squeeze your morning work out in for the day.

 

Thirty To Sixty: A Comfortable Middle Age

Welcome To Suburbia

 

As you get older, you’ll be looking for a place to settle down. This is when you want to think about purchasing your first home. You can move to a larger place after a couple of years because hopefully during this time, your income will be rising so you’ll be able to afford it. You’ll also be building up your savings making that deposit more manageable and you should be keeping a check on your credit score. Buying now is the right time because it gives you the stability that you need and you will probably be in the position where you can afford it. This is also the time where you’ll have settled with a partner typically, once again making the cost more manageable.

 

You won’t be moving around anymore either. Once you reach this age, it’s likely that you’ll be fairly set on where you want to be and what you want to do for a career. This won’t be true for everyone but for the majority, at this point you will have chosen your path so it makes sense to put down roots.

 

You might also be thinking about having kids. If that’s the case, you need to make sure that you have enough space for them to grow and play comfortably in an area that you feel comfortable they’ll be safe. New build plans in fresh developments are perfect for this with the large gardens that new couples and small families will love.

 

The other benefit of buying a home is that it gives you finance power to upsize when you want to. You’ll be able to buy a bigger home with even more space, potentially for a growing family. You should probably start looking at this around forty or forty-five and that’s the place where you’ll spend most of your life. This will be your final family home and it will probably be in the suburbs or even a rural area.

 

Sixty Onwards: An Easy Retirement

Give Your Aching Knees A Rest

 

Finally, when you hit sixty, you’ll be reaching the stage where, if you had kids, they’ll be moving out and onto their life. If you didn’t have kids, it’s still time to make another move. This time, you should be looking for a bungalow and this can be a move after retirement or before it. The key factor to consider is that you need to be in good enough health to handle the move.

 

Don’t forget, moving home can be quite stressful and you don’t want to put this off until too late. Anytime around sixty is the right point for this type of change. The main reason for a bungalow is health purposes. It’s about making sure that you don’t risk slipping or falling down the stairs. Once you get to this age the body takes longer to heal and you are more at risk of complications.

 

As well as this, your income will be more limited so it makes sense to downsize to somewhere a little smaller that is more affordable and comfortable. You might even consider returning to an apartment, particularly if your keen to get an extra level of security that a shared building provides. Moving back to the city can also ensure that you remain sociable even as you age.

 

We hope these stages of homes help you choose the right type for you, regardless of your current point in life.

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Keeping Your House in Shipshape

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Cleanliness is next to Godliness – this is definitely an idiom that you should apply to your life, especially your home. Have you ever noticed that you feel a whole lot more content and comfortable when your home has just been cleaned? Well, this isn’t just coincidental. Various psychological studies have found that there’s genuine logic between health and cleanliness that goes beyond hygiene alone. Your mental health can actually improve by being in a clean environment that is free of clutter and dirt! So, if you want peace of mind and to be able to kick back in a haven of home at the end of the day, it’s time to roll up your sleeves and get the Marigolds on! Here are a few different areas of your home that you might want to focus on!

 

Windows

 

Windows are a much-neglected part of any home’s cleaning routine. Sure, you might run a cloth across your windows from the inside of your property, but what use is cleaning just one half of something that is transparent? No matter how well you might scrub the interiors of your windows, your view out will be just as obscured by whatever dirt might be lying on the outside. Even if you don’t have a direct mark or stain on the outside, it will still become dull and smeared from rain and dirt blew onto it by the wind. So hire a Window Cleaning professional who will have all of the necessary equipment to reach all of the spots of your windows, both ground level and above.

 

Floors

 

Floors in your home build up so much more dirt than you may initially realise. Think about it – they are constantly coming into contact with feet and any dust or dirt that goes up must come down, eventually settling on the floor. Darker coloured flooring can disguise all sorts of muck and mess, but just because you might not be able to see something distinctly, doesn’t mean you should ignore it. So, aim to clean all floors in your home at least once a week. Use a high-quality vacuum cleaner for carpets and use a specialist carpet cleaner to scrub any spills or stains out as soon as they hit the ground. If you have wooden floors, use a clean mop and hot water mixed with disinfectant.

 

Bedding

 

Your bedding should be changed at least once every two weeks. Once a week is ideal, but you may not necessarily have time to achieve this. Just make sure that you never go longer than two weeks, as a surprising amount of dirt and bacteria will establish themselves from day to day use. Wash your sheets on a hot wash and leave them to air dry before putting them back on.

 

While maintaining a spotless home will take a few more steps than mentioned above, these basics should get you started on the right foot. So, incorporate them into your cleaning routine and keep on top of them. Your home will be a haven in next to no time!

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Millennial Home Upgrades Everyone Needs

Fittonia Bright House Plant Variegated Leaves

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During the last five years, design has turned on its head, and we have suddenly reached a place where minimalism and contemporary design dominate homes all over the world. If you are looking for ways to bring your home into the 21st century and ways to upgrade your home for better efficiency and security, here are some of the essentials that every millennial home should have.

 

Energy-Efficient Items

 

Saving the planet is becoming a mission which is more important than ever. With the rise of greenhouse gases and our climate, we need to start thinking of ways to make our homes for energy efficient and eco-friendly. You can change your lights and then them into energy efficient bulbs, look at extra insulation in the home to reduce your need for heating, and even buy better appliances for your kitchen. Energy efficiency is really important, and bringing elements into your home will not only save you money but also help to save the planet.

 

Entertainment

 

There can be no better way to spend a cozy evening at home than with a few snacks, drinks and a movie on your TV. Bringing entertainment into your home is a very millennial trait, and it can be anything from a TV, subwoofer, soundbar, speakers or a gaming system. Bringing entertainment into your home makes it much easier for you to host friends, and it makes your quiet nights in even more fun.

Smoke Alarms and Carbon Monoxide Detector

 

Every home should have a smoke alarm, and when you buy a home you will most likely find that there is one already installed. However, another item you should bring into your home is a carbon monoxide detector. Carbon monoxide is a toxic gas which has no color and no smell, therefore will go completely undetected until it severely poisons you. Make sure you have these alarms in prominent places of the home and make sure that you regularly check them.

 

Home Security System

 

When you live in a home which has many precious and expensive items inside, it is incredibly important for you to install Home CCTV Systems to make sure your home is secure. Think about bringing cameras around the perimeter of the home, install an alarm system inside, and also make it harder for burglars to climb into your windows by planting thorny bushes directly underneath. All of these things combined should deter a robber from even trying to break into your home.

 

Plants

If you want to add an element of millennial flair to your home this year, you can bring one of the biggest trends in your home. Plants are a feature in most modern homes because they add a splash of color and texture to a zen space. They also breathe a sense of life and calm into the home and have a big impact on the atmosphere in the home. You can install a terrarium, hang air plants, make a herb garden for the kitchen or stick to cacti if you aren’t green fingered. Plants are ideal for any space and will bring a wonderful element to the design.

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What To Do When Your House Feels Too Small

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Does your house feel too small? Do you feel like you have no space and that you are constantly on top of one and other? If this is the case, there are a number of steps you can take to make your home feel bigger so that you can enjoy a more comfortable life. Read on to discover some useful suggestions.

De-clutter – There is only one place to begin, and this is by getting rid of any clutter. There is no time like the present to sort out all of your belongings. If something does not have a space within your home, you either need to sell it or donate it to someone else, or throw it in the bin. To ensure you keep on top of clutter, you should operate the one in, one out rule. This means that whenever you buy something new, you need to get rid of something in your home to make space for it.

Let there be light – While light will not physically create more space, it can create the illusion of it, making a room look bigger and more welcoming. The key to letting more light into a room lies within using reflective surfaces so that the UV rays can bounce off them and back into the room. Of course, a statement mirror is the most obvious choice.

Put items in storage – Another way to clear out your home and give you and your family more space is to rent a storage facility. This is ideal for those who have lots of belongings but can’t let them go. You can keep all of your important things while ensuring you have more space at the same time.

Make the most of vertical space – Are you making the most of the vertical space that is available to you in your home? If you do not have shelving solutions and such like, then you aren’t. We often tend to use all of the floor space but forget about the vertical space that is available to us.

Consider an extension – Last but not least, if you are really struggling for space, have you considered getting an extension built? Look online for an A+ construction pro that can add an extra room to your home. Not only will this give you the space that you are craving, but also it will enhance the value of your property in the process.

As you can see, there are many different ways that you can make your home feel bigger and more comfortable. Follow the advice that has been provided above and you should notice a considerable difference. If you don’t, perhaps it is a sign that you really have outgrown your property and need to move on?

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Everything Millennials Should Know Before Buying A Home

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When you reach your early twenties your mindset will change. You will no longer want to be living with your parents in their home, and you will want to spread your wings and really make an impact on the world.

 

As a millennial, the idea of buying a home in your twenties might seem like a pipe dream. The way that house prices are going these days it is a wonder that we manage to afford anything at all. Living in this world can be an expensive affair, but it is not impossible by any means to take that leap into homeownership. Here is everything you need to know about buying a home in your twenties and all the things you need to consider.

 

Buy For Long Term


It is incredibly important that you take the time to truly think about your life before you buy a home. Decide exactly where you see yourself being in the next few years and think about everything you want to experience. This is the prime of your life, so it is the perfect time to experiment with new careers and go traveling in different parts of the world. You are young, free and able to do anything with your life, do you want to be stuck in one place for all this time? If you are single and free, think about renting an apartment for the meantime while you have fun and travel, and when you are ready to settle down, move into a home and start a new chapter in your life. Make sure you are ready for the commitment of a home before you commit.

 

Buy To Enhance Your Life


When it comes to buying a home you need to make sure you are buying for the right reasons. Don’t buy a house just because you think that is what you have to do, you need to buy a home because it will bring a positive change in your life. If you decide to invest in a home you need to make sure it is a home you see yourself growing up in, one which you see yourself having a future in for at least 5 years.

 

Don’t Let Fancy Features Sway Your Decision

 

Let’s say you have two options for a home. One of them is in the perfect location, has pretty much everything you want but is a little bit small. The second one is expensive, has a ton of great features but is far away from transport links. Which one would you choose? There is only one of these homes which you should consider and that is the first one. The second one might have some attractive features but it is over budget and will make your morning commute much harder. Always go with a relatively safe option to start off with and then you can spend the next few years saving up for a bigger and fancier place.

 

Stick To Your Budget

 

If you aren’t sure what your budget for buying a home is, you need to apply online for a mortgage in principle with a few different lenders. You will have to input your income information and your financial commitments such as a car or a child, and it will give you a house price to aim for. Don’t go above this price for your first home because it will put you in a difficult position with your bills, and you won’t have any additional income left if something goes wrong in your home or in your life. It is hard enough to get on the property ladder, to begin with, so make sure you don’t take a big risk.

 

You Can Go For A Lower Deposit

 

It is ideal for you to go for a 20% deposit on a new home because it will lower the monthly payments and allow you to go for a shorter term. However, if you won’t be able to afford a 20% deposit you can apply for lower. When you meet with a mortgage advisor you can tell them how much you have at the moment and they will be able to give you advice and options for what kind of mortgage you will pay. It is something which lenders are doing to make it easier for young people to get on the ladder and become homeowners, so take advantage if you need to.

 

Have extra money aside

 

The mortgage itself is not the only payment you have to consider when buying a new house. You will have to pay the solicitor fees, home buyer’s report, land tax and stamp duty on the home before you move in. After you move in you will be buying new furniture and appliances and possibly even decorating. Make sure you have extra money saved up for this occasion and keep saving right up until the day you move into your new home. This will enable you to buy everything you need and to start a new chapter of your life.

 

Compare mortgages


Getting a mortgage isn’t as clear-cut as you would think, and there is not a standard rate you will have to pay at every lender. Make sure you take some time to compare different mortgages because you will find that certain lenders will have a lower interest rate or a lower monthly fee. It may work out better for you to go for a lower fee for a longer stretch of time, and this can be beneficial to your future. Take your time and ask for advice if you aren’t sure which to choose.

 

Be willing to walk away

 

Even if you think you have spotted your dream house at the viewing, you always have to go into negotiations with the willingness to walk away if the price is too high for you. Agree with your partner or a family member upon a maximum price which you are willing to offer, and always try your hand at going $5000 below the price. If they don’t agree, match their price and they should accept you. Never spend more than you are able just because you like the house.

 

Buy furniture in advance

 

The last thing you want to do during the first week of owning a house is scrambling around to buy yourself an oven or a bed to sleep in. Make sure that you start buying items for your new home from the moment the offer goes through. If like most people, you don’t have space in the home you are living in to store the new items, you can store everything in a storage unit for a few months while you wait for the deal to go through. This means that as soon as you pick up the keys you can fully move into your home and start living your new life.

 

Make moving easier

 

If you have a lot of stuff to move, you will want to start packing a few weeks before you get the keys. To make the job of moving a little easier on yourself, pack things room by room and label the room and item on each box. This means that when you bring everything into the new house you can put the box straight into the correct room ready to be unboxed. It will be much less stressful and will allow you to enjoy moving day so much more.

 

Now that you know all of this, it is time to make that move into homeownership and enjoy the new chapter in your life.

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