4 Mental Blocks That Stop You From Buying Your Dream Home

4 Mental Blocks That Stop You From Buying Your Dream Home

What stands between you and your dream home?

 

Most people would answer: Money. However, as surprising as it might sound, it isn’t the right answer. A lot of people continue to rent out properties because they let mental blocks stand in between them and home ownership. Becoming a homeowner is a commitment in time and finances. Yet, it is far from being an impossible dream. Your perception of difficulties, obstacles, and your abilities to defeat those plays a significant role in making your dream come true. Nevertheless, mental blocks are nothing but bad excuses that we use to convince ourselves we can’t buy a home. It’s time for your wake up call! 

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Building a new home is easier than you think

Prospective homeowners are always on the look for affordable properties that meet their criteria. Many believe that the purchase of an old house could be a cost-effective solution in an effort to save money. However, if you consider the maintenance, improvement, and repair costs, the price tag could be a lot different from what’s advertised. On the other hand, house and land packages in Hunter or other locations offer a sustainable approach into designing the home you want from scratch. Additionally, building it right from the start will always be cheaper than trying to fix the old and make it fit your needs. 

 

Debt happens, but it’s not a fatality

Managing your finances in a tricky situation, such as during a pandemic, is challenging. Millions of individuals face high credit card debts, as they’ve been furloughed or laid off for months. Clearing debt takes time, but with specialist advisors, you can create a sustainable strategy to manage and eliminate your debt. Money lenders check your credit score when you apply for a mortgage. While eliminating debt is a long-term process, an effective debt management plan can work in your favor. 

 

We belong to a rooted generation

People don’t relocate as often as they used to. In the US, one of the countries in the world that used to have the highest relocation rate, the new generation of homeowners stay rooted in their communities. It’s a global trend. Why don’t we move? Because we don’t need to anymore. With more and more digital technologies around, professionals can work from anywhere. As a result, many believe they should stay close to their roots. In truth, digital technology can also be a part of your relocation plan, as it bridges the gap with your community. Yes, you can move to the seaside or embrace your dreams of a countryside home without losing touch with your roots! 

 

It needs the parental seal of approval

Here’s the thing: it doesn’t. It’s your home and the place where you are free to express your style. In no way does it need to be an extension of your parents’ or friends’ interior decors. Creating a home that you are proud of means you shouldn’t have to worry about what other people say or think about it. The secret to a home sweet home that everybody will love begins when you feel it is a true representation of who you are. 

 

As a prospective homeowner, you need to start your journey with a clear mind. There will be obstacles and challenges to overcome, such as saving the money for your deposit. However, you can’t afford to let your mental blocks stand in your way! 

Simple Living Reduces Stress

Simple living reduces stress. It has been proven. When you have less and want less, you stress about less. First, you have to understand what simple living really is. No – you do not have to live in a run down home to be “simple.” That is far from true! What I mean by simple living is a lifestyle that minimizes consumption and maximizes those things that bring you the most peace and joy. Here are a few ways that simple living can benefit you: 

  • More freedom to create the life you desire, instead of feeling stuck in a job or a life just because you have no other choice.
  • Allows you to appreciate what you do have instead of constantly craving what you don’t have.
  • Provides you with a better work/life balance because you let go of pushing yourself to work longer and longer hours to maintain an over-consumptive lifestyle.  In other words, Work SMARTer not harder!
  • Help you clarify what is most important, meaningful and what really matters to you, and let go of the rest.
  • Allows you to seek quality not quantity in all things.
  • Helps you de-clutter and let go of everything in your life that is messy, busy, over-complicated and unnecessary.
  • Introduces you to the importance of all your true relationships—including a deeper connection to your community.
  • Frees up your time to do the things you love and that makes you happy.
  • Provides you with a deeper connection to nature by giving you the time to take walks, garden and appreciate being outdoors.  In other words, spend time in nature.
  • Slows you down and allows you to enjoy the moments of your day.
  • Leads you to become more self reliant and internally focused instead comparing yourself to others or using others to determine your worth.
  • Guides you to making better health choices for yourself and your family.
  • Provides freedom from maintaining or fussing about your possessions and instead spend that time doing things that make you smile.
  • Offers you better and sounder sleep and times of rest.
  • Gives you ease and agility when making life choices, decisions, exploring opportunities.
  • Allows you to spend the rest of your life on a greener and healthier planet along with others (including your kids).

Reading all of that, I hope that you can see how and why simple living can reduce stress and instead, bring more happiness into your life. And, I hope that it makes you want to start your simple living journey. Here are a few ways to live simply, in order to increase happiness and reduce stress:

Manage Your Finances

If you are in debt, I bet your stress levels are through the roof. It is hard paying all of your monthly bills and then paying bucket loads towards high-interest credit card debt. If you have a business of your own, I bet that it’s even more stressful – especially during this time. If this sounds familiar, you probably need to get your finances in order. One way to do so (especially as a business) is to get rid of high-interest credit card debt and replace it with low-interest loans so that you are able to pay them off faster. One way to do this as a business is to get an Atlanta small business loan from Chapes-JPL. Chapes-JPL is a company based out of Atlanta, Georgia, in the heart of Buckhead that provides low-interest asset loans on your valuables. In addition, they also buy valuables from their customers. This is a fast and easy way to get cash when you need it. If you have old jewelry around your home, sell it or get an asset loan in order to pay off your high-interest debt. Chapes-JPL was established in 1980 as an alternative to banks and traditional pawnbrokers. They provide low interest loans on gold, diamonds, jewelry, watches, and more. Since the loan is strictly on collateral, they do not require credit checks, tax returns, job verification, or personal references. Plus, the typical loan is done in minutes!

Reduce Processed Foods

Reducing processed foods is a fantastic way to live simple, reduce your stress, and also improve your health. When you reduce processed foods, you are getting rid of added sugar, high fructose corn syrup, and other unhealthy additions. As they say in Italy, slow eating is simple eating is healthy eating. Slow, unprocessed, and “good-for-you” foods are the foods that connect you with the people around you (at the dinner table), the land, and the animals.

Say No More Often

When you do not want to do something, say no. If it is going to cause you a lot of stress, say no. When it will not bring you happiness, say no. If you say no more often, you will be able to say “yes” to the things that bring you joy instead. Say “no” more often in order to reduce stress!

There are so many things you can do to live a simple lifestyle and reduce stress, but these are just a few of them. What is your favorite way to live simply? I’d love to know!

5 Signs You’re Ready to Start a Family

Photo by Kristina Paukshtite from Pexels

 

As you grow older, you’ll start to get asked by various family members and friends ‘when will you settle down and have kids’? The question that everyone dreads no matter if you’re male or female, it’s something that you might not know just yet. It takes a while to feel ready to have a family – and it’s a stage that’s different in everyone’s life.

 

One person might want to start a family the moment that they get married or are in a relationship, whereas others want to either wait a few years or do it solo. This decision is up to you. Don’t ever feel pressured into having a family if you aren’t ready. Even if every other person that you know in their twenties or thirties is having babies, it doesn’t mean that it’s the right move for you.

 

If you’re thinking that it might be the next step to take, however, it can be a very exciting time. There tends to be several signs that you’re ready – and here are five of them:

You Have a Strong Support System 

 

Having a baby is a huge responsibility – and one that you will need a hand with every once in a while. From watching your little one so you can sleep to looking after them for a while so you can get out and visit friends, you want a strong support system that’s there to help you when you need it.

 

Whether it be your partner or your family and friends, a strong support system is crucial. Without it, you could feel as though you’re alone in the journey and you’re exhausted with what motherhood or fatherhood has brought with it. So before you have a baby, ensure that you have this.

Your Life is Stable 

 

Before bringing a baby into this world, make sure that your life is stable. From having a home to a good job, you want to have the best environment possible to bring a little one into. You want your baby to thrive, so you must be in the best position possible in order for this to happen.

You Have the Responsibility

 

If you’re an incredibly responsible and caring person, then when you feel as though you are physically and emotionally ready, it could be time to have a baby. As you can care for yourself, you’ll be able to look after your newborn with ease. 

You Have the Finances 

 

As aforementioned, you need to be stable in your life before you decide to have a baby. This includes your financial situation. It’s no secret that babies cost a lot, from all of the things that you have to buy before you give birth to bringing them up over the years. 

 

If you’re unable to naturally have a baby, you’ll also have to think about the other ways that you can have a little one – along with the prices. For example, if you’re looking to have a baby through means of an egg donation or an adoption, look at the prices and how much you’ll have to save. 

You’re Ready For The Change 

 

This might seem obvious, but it’s perhaps the most important point on this list. You need to be in a position in your life in which you feel ready for a baby. As mentioned above, this can happen at any time throughout your life and is something that’s different for everyone. 

 

If you’ve started to have the initial feelings, think it through, plan it out and talk to your partner. If you’re both ready, then you can start to truly consider it.