3 Things You Should Do When Your Baby is Born

Getting home with a tiny little person and a brand new member of the family can be quite overwhelming – especially if you’ve never done it before. While the most important thing is that you get to rest and cherish the moments, it’s easier to keep your sanity if you stay organized and have a plan for how to develop the parent inside of you as well.

 

Image link: Pexels

 

Here is a handy guide to what you should do when you get home with the baby while also getting some of that rest we’ve talked about – you will need it.

 

#1 Write down the birth story and start a baby book

 

As your baby grows and develops, it becomes even more important to the parents to have the birth story written down so that they have something to look back on. We’re talking weight, of course, and the time of the birth as well as how long you were in labor for – basically everything you went through together. It’s a good idea to do this as soon as possible while your memory is still fresh – otherwise, half a year is going to pass before you get to it.

 

You should also get started on that baby book as soon as you’re able to. While the Internet can tell you everything you need to know these days, it’s so much more fun to have it written down with your own hand. Make a baby book and note which songs were popular on the day he or she was born, who was president, what was the latest trends, etc – just be creative and have fun with it.

 

#2 Report the newborn to your insurance

 

Your insurance company will most likely to this themselves if your pregnancy was covered on your insurance, but it’s important to make sure this is done nonetheless as they usually only give a certain number of days after birth – probably around 30 or 60.

 

Have a look at the options around the web, policygenius is a great alternative, and remember to do this sooner rather than later as you’re likely to forget about it with all the happiness going on.

 

#3 Write down all your questions

 

Every new mommy and daddy knows this very well; after the birth, you’re going to have a lot of questions. With so many new ones popping up constantly, it’s a great idea to write them down as you go and bring them with you to your next doctor’s appointment.

 

This is likely to be about 6 weeks after the birth, so you’ll have some time to gather everything. Continue to write them down even after the first appointment and don’t be afraid to ask your friends and family members who might have gone through this before you. Don’t worry, everybody has a lot of questions when they are responsible for taking care of a baby for the first time.

 

Remember that every baby and every mom is different and even though some of your friends were able to get almost a full night of sleep, it doesn’t mean your baby will sleep peacefully. Listen to all the advice you’ll get but keep in mind that it might not apply to your family.

 

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.

Style – 4 Steps to a Deeper More Meaningful You

Style – 4 Steps to a Deeper More Meaningful You

 

Let’s get something straight right away – each and every one of us has our own unique style. Personality and tastes often drive stylistic choices, and many of us like to inject a little flair and passion into things. You need to understand that your passions drive you and help you form your personality, and this, in turn, can go along way to helping you develop style and fashion choices.

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The great thing these days is that more and more of us are being encouraged to embrace our individuality and allow our style and personality to shine through. You are probably looking for ways to make your mark and really show off your style to the world, and there are several ways of doing this. Here are 4 absolutely crucial steps for embracing the inner you and letting him or her shine through.

 

Change Your Wardrobe

 

Tackling your wardrobe can be a really excellent way of improving your style and boosting your personality. There are so many things you can do with your clothes, and the different outfits you can try out can really go a long way toward boosting your style. Your wardrobe gives you the perfect opportunity to reinvent yourself and go for some interesting and unique styles, so use this opportunity right now!

 

Consider Getting a Tattoo

 

You might also like to consider getting a tattoo as a way of expressing yourself and adding to your style. You might even have a deeper and more meaningful reason behind getting a tattoo done. To be honest, you can find out a lot about the history of tattoos, and there might even be something in there that inspires you to get one done. Just make sure you think carefully about what you want to get, and where. The last thing you want is to be appearing on Tattoo Fixers in 2 years time!

 

Fix Your Hair

 

Your haircut can play a massive role in defining who you are as a person. You might not be aware of the huge importance of having the right hair. It plays a big role in framing your face, complementing your outfit, and defining a little bit about who you are and what you like. Think of a new hairstyle, or choose something that a celebrity you admire has. Changing your hair might sound drastic, but it’s actually one of the best ways of shaping your image.

 

Embrace Your Confidence

 

Perhaps the most important aspect of becoming more stylish in a deeper and more meaningful way is to embrace your confidence. The more confident you are, the more you will carry yourself better, and your personality will shine through. Try to work on becoming more confident and carry yourself with assuredness and conviction. So much of your style is linked to your attitude, and this is crucial to get right.

 

These 4 steps will help you to develop your style and personality in a deeper way. It’s important to actually focus on how well you can hone and master your specific style. Think about what interests you, as well as what it takes to get this right.

Downsize Home, Upgrade Life

Image Condos are just one of several options

 

The big family home is a wonderful thing to possess while the kids are growing up. Once they’ve flown the nest, though, staying in an unnecessarily big property no longer makes sense. Aside from the financial costs, keeping it in good condition can prove to be a very challenging prospect indeed. In truth, downsizing to a smaller property may be the smartest decision you’ll ever make, but only if you complete the transition in a winning style?

 

Here are 10 top tips to ensure that downsizing opens the door to a brighter future.

 

#1. Prepare To Sell

 

Before buying the new home, you’ll want to sell the current one at the very best price available. It only takes a few short weeks to complete the jobs that will upgrade the value and attraction of your current home. Get those elements right before putting it on the market, and you should reach a far better outcome. It may be tempting to take the DIY approach to selling. However, it’s advised that you use a professional agent to secure the very best deal and complete the necessary legal documentation.

 

Securing the right sale will instantly provide better opportunities as you begin the next chapter. However, you don’t want to be living in temporary accommodation for long, which is why you must get the purchase right too.

Image Sell well to build a platform for success

 

#2. Buy The Right Property

 

There are many different factors to consider when buying a new property. Aside from the interior esthetic and dimensions, you want to consider the geographic location as well as the property type. Finding a condo for sale may be one of the best options. You’ll often find that the amenities are fantastic while the property itself will be in good health. At this time, buying a fixer-upper simply isn’t a solution. By choosing a home that needs minimal work completed, you’ll be able to enjoy the next stage of life right away.

 

Apart from the physical benefits of choosing the right property, you’ll also gain the peace of mind and confidence that you deserve. If that doesn’t provide the platform for a better life, what will?

 

#3. Get Rid Of The Junk

 

Before actively moving, you need to accept that the old home doesn’t have the amount of storage or space as the old one. Offering furniture and other items within the old property to the buyer at a discounted price can make life a lot easier. Alternatively, garage sales and online selling can serve a similar purpose. They’ll free you from some of the junk while ensuring that the new property remains uncluttered. If nothing else, this is a great opportunity to start afresh. Staying loyal to unloved goods is futile.

 

There’s nothing worse than transporting items with you only to realize that you don’t have the space. Being realistic through this part of the process will serve you well.

 

#4. Focus On Safety

 

When downsizing to a condo or a home within a multi-unit facility, it’s very easy to assume that everything is safe and secure. While you might not need to pay quite as much attention as with the old home, you must still take the right precautions to prevent break-ins. Perhaps more crucially, you need to consider that neighbors could potentially cause problems for you. Checking the smoke alarms and carbon monoxide detectors is vital. Even if the dangers are minimal, it’s better to be safe than sorry.

 

Above all else, covering all the bases in this area should lead to far greater peace of mind.   

Image A safe home is a happy home.

 

#5. Make Rooms Feel Big

 

The fact of the matter is that your smaller property is likely to have smaller rooms. Therefore, it’s vital that you do take the necessary steps to enhance the appearance of space. Light color schemes and good lighting can make a monumental impact. Other steps can include mounting TVs to the walls, using shelving rather than bookcases and finding hidden storage. A brighter room that is blessed with a lot of floor space will seem just as big and welcoming as your old home.

 

Better still, it’s easier to clean the home when you keep it in this manner. This in itself is a huge incentive for moving.

 

#6. Stamp Your Personality

 

Moving to a smaller property needn’t stop you from making the place feel like home. Photos, holiday souvenirs, and sports memorabilia are all great ways to turn a plain home into a place that makes you feel comfortable. The money saved from downsizing can enable you to incorporate advanced tech features. This can include voice-activated devices and projector screens. Aside from the personal benefits, this can turn the property into a cool location for hosting friends for small gatherings.

 

Enjoying the property with greater results when you’re alone and with loved ones can only be a better outcome than staying in the old property.

 

#7. Get Involved

 

When moving into a new home, it can be a little daunting. Whether you’re alone still living with your partner, it always pays to play an active role in the community. If living in a condo, joining the board gives you a voice on future change, which is a huge reward for minimal work. However, even if you just move to a smaller house, the neighborhood watch schemes and community activities are brilliant. Aside from actively making the transition feel smoother, it’ll improve the sense of security too.  

  

When moving into the new home, you aren’t just purchasing a property. You’re buying into a new way of life. Active participation can only help.

Image If you can’t beat them, join them!

 

#8. Focus On What You Need

 

It’s not uncommon for family homes to include several rooms that virtually go to waste. Having a smaller property virtually forces you to rethink the way you utilize space. The best way to find a winning formula is to ensure that each area does what it is supposed to do. The bedroom should encourage the best night’s sleep while the kitchen and bathroom should be functional. While the esthetic beauty is still crucial, knowing that your new home is designed to make life easier should be the priority.

 

On a separate note, having a sofa bed instead of a guest room will have an immensely positive impact, even if the kids do stay on a semi-frequent basis.

 

#9. Consider Revenue Streams

 

Depending on the level of downsize, it may be possible to buy another property within the same building or close by. This can open up a wealth of buy-to-let opportunities. Alternatively, short-term lettings through online services can work wonders too. This regular stream of income could be very useful when you eventually reach retirement too. In the meantime, knowing that you have some financial relief virtually secured may allow you to cut down your hours. After decades of hard work, that’s the least you deserve.

 

It’s not for everyone, but this is certainly an option worth consideration.

 

#10. Embrace The Savings

 

One of the best things about downsizing is that it improves your financial situation. You can take this to an entirely new level simply by searching for the best energy bills and embracing green technology. When you do, you’ll have far more money for the luxury purchases. Whether it’s getting a garden jacuzzi for a smaller house or making luxury additions to the living room is up to you. In addition to upgrading the home, you should take this opportunity to enjoy days out and holidays.

 

Downsizing can unlock the door to a brighter future, but you will lose some of the collateral tied up in assets. Keep some money tucked away for unforeseen situations and you’ll be just fine.

 

Choosing A New Home: Why It’s Important To Sweat Over The Small Stuff

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Before you put in an offer on the property you have been looking at, it’s important to sweat over the small stuff, those little issues that may seem insignificant. Yes, you can probably deal with some of them over time, but do you really want to add further expense to your already dwindling finances? We are guessing not. In this article, we will give you a checklist of some of those things you need to look out for when scrutinising over whether the house is worth buying. Noticing the little things may make a big difference to your ultimate decision.

 

  • Rely on your ears as your eyes. There may be sounds and noises that alert you to the overall state of the property. Do the stairs creak? Are there strange sounds coming from the pipes? Are there scratching sounds behind the walls? Insignificant sounds? Not when there may be structural issues, plumbing faults, and rodent infestations to consider.

 

  • Follow your nose, as there may be smells in the property that you need to be alerted to. Notice a musty odour? There may be damp in the house, though the seller may have covered up the warning signs with wallpaper or a picture frame. Smell something fishy? It may be the remnants of the owner’s lunch, or it could well be a telltale sign that there is something wrong with the electrics. Don’t overlook these smells, follow your nose, and have an honest discussion with the seller about them.

 

  • Check for any cracks in the walls, as this may be symptomatic of ongoing structural damage. Admittedly, older houses will show signs of wear and tear, but a home inspector will let you know if there is anything to worry about from the cracks you have discovered.

 

  • Run your fingers down the windows, and check for signs of condensation. Now, the room may not have been ventilated for a while, so there may be no need to worry. However, if you do see and feel traces of water, there may be issues with the sealing, or the home may not be properly insulated. These are repairs you can do yourself, but you may not want to fork out the expense of buying new windows if the issue is larger than it at first appears.

 

  • Look at your phone, and check the signal bar. This is something many home buyers overlook, but if you intend to ditch a landline in favour of your smartphone, you are going to need a good signal if you ever expect to use it. The same applies to your mobile internet service. Test your phone around the house, as you may find a strong signal in certain rooms, or in worst-case scenarios, minimal or no signal at all, anywhere in the property.

 

  • Beware the seller, as they may be using a range of tricks to cover up problem areas. If you notice the smell of baked cookies, they may simply be trying to make the place look homely, but then again they may be trying to cover up the smells we mentioned earlier. If the seller looks shifty when you’re discussing the house with them, ask yourself one simple question: what aren’t they telling you? Be vigilant, and don’t put the seller’s behaviour down to just being nervous or unsure. You don’t want to buy the house and realise you have ended up with a money pit.

 

Buying a house is one of the most expensive purchases you will make in your life, so going against the usual advice you are given, you do need to sweat the small stuff. Follow the advice we have given, and if there are telltale warning signs, and your gut instinct tells you ‘no,’ then it may be time to carry on your house search elsewhere.

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