Recently I wrote a post titled “Making Moving Easier” but why is moving so hard? Everyone who has already moved home knows exactly how hard and stressful it is. It consumes your whole life from the moment you starting looking until at least a few weeks after you’ve settled in. It is a necessary evil that we all have to go through to get to our dream home or further towards it at least. There’s so many steps to follow and legal work to abide by, that at times it can all seem too lengthy a process. But why is moving is just so hard and is there anything we can do to make it a little easier? Well for starters you need to budget, work through legal contracts – with assistance, you have to do the leg work ie. finding a house (that can involve numerous viewings and the wise will revisit prospective purchases) and don’t forget all that packing!
Before you even consider what your dream house might look like or even get a chance to have a look around too see what’s on the market you need to consider how much money you need to save. Have a think about how much you’d need to spend on a home in your desired area but be realistic. Where necessary open a savings fund. If you’re single, you’re going to have to work that little bit harder to save the money. If you’re not, make sure you’re both putting in equally into the fund. It might be a good idea to calculate the months or years until you wish to move out. Divide it by the amount of money you’re putting in each month, and you’ll have a monthly goal of instalments. You’ll have to learn to cut back on little treats you’d usually indulge in and save every penny where you can. Don’t forget the money for solicitors fee’s, estate agent fee’s etc. You’re probably looking at around 2-3 thousand pounds. The final thing you will need to budget for will be furniture and accessories. If you are lucky you will have items that you can bring with you from your previous home. Friends and family always want to help so consider a housewarming gift list. That way you will save a little and also get gifts that you can make use of rather than ones that will clutter the home.
There are a few legalities to be considered when moving. The one that is of utmost importance is the mortgage price being agreed with your bank. Make sure you shop around to get the best deal available. Depending on your financial status, your credit history and the amount you wish to borrow, the interest rate could be pretty high. If you’re self employed getting a good mortgage deal can be pretty hard as your income isn’t as secure as someone who is in full time employment with a stable income meaning banks are a little wary of lending the money. In this instance, you’re going to need to chat to specialists. There are so many to choose from and contacting a company like Willow mortgage brokers can really help as they’ll be able to offer you help and advice if your income doesn’t meet normal bank’s requirements. Then there’s the paperwork that comes with purchasing a home but don’t worry these sorts of companies can help there too as you will have access to a mortgage advisor and solicitor. That’s not all though. Then you’re going to have to think about including the house in your will, or creating a will if you don’t already have one.
The move itself is so stressful. It consumes people’s lives for the best part of a couple of weeks if not longer especially if you are working as much as possible inbetween unpacking. It’s easy to see why there’s just so many things to sort once you’ve got the keys. You need to order mattresses, sofas, cookers, washer etc. Literally everything you will require needs to be ordered and delivered within a reasonable time frame. Whilst you wait, you’re probably going to find yourself sitting on deck chairs or cross legged on the floor in front of the TV for a while. If you have children, the first part of the move is going to be 10 times more stressful for you. They aren’t as good with change as adults, and if they’re younger children, you might have the issue of trouble with sleeping to contend with. As well as trying to juggle all this, you’ll be attempting to sort out bills, TV subscriptions etc. One big task if you do have children is trying to sort a new school for them to attend. They’ll most likely have left all their friends behind and be rather upset about this move. Find a good school within your catchment area that they can settle into nicely. Take them round to see what it’s like so they can have a feel as to whether they’ll like it. But once that is all over, the reward of owning that dream home you’ve always wanted is the best feeling in the world and you’ll be able to make so many wonderful memories. When the tedious task of unpacking is over it’s customary to have a housewarming party. Get all your friends and family round for a fabulous dinner party. Let’s face it they’ll all want to come over and have a look around anyway why not multitask and have some fun at the same time.
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