Owning your own house is something not a lot of people have the privilege to do. It’s incredibly expensive to get on the real estate ladder these days. However, it’s still an option for plenty of people, and it could just be the right option for you too.
Let’s think about how affording your own place might be more important than you think. Have you ever just stopped and considered the place you live in? Does this place allow you to do things you hope for in life? There’s a good chance you have thought about it, and if you’re reading this post, there’s a good chance you hated what you saw and wanted something better!
So now’s the time to take control of your surroundings and settle into a lifestyle that’s always going to keep you comfortable and make you happy. Doing something with your living space that you know you’re going to love relaxing in is hard when you’re sharing a house with ten other people, or if you’re in a rented home that you can’t damage (even though we prefer the term ‘creative freedom’!) according to the tenancy agreement!
With all that in mind, it’s beginning to become clear you need your own house to work with, and these are just some of the reasons out there to convince you of that.
Because You Can Easily Stick to a Budget
When you’re already living on a budget, the last thing you’re probably going to want to do is fork out thousands to purchase a place of your own, and you’re certainly not going to want to show a bank the actual projection for a possible mortgage loan! So it might seem crazy that this option is even included on this list, but it makes more sense than you might first believe.
See, if you’re managing to stick to a budget, and you’re not having to pull out the stops to make sure you’re always meeting your threshold each week, it’s a good sign you’re capable of more. Of course, there’s a huge leap between what you can afford right now and being able to afford an entire house all on yours and your partner’s income, but it’s something you can start working towards.
Just make sure that you’ve included all considerations in your calculations of what you’re going to have to sock away month after month to make sure you get the right mortgage for the place of your dreams. You’ve got a deposit to think about, and then you’ve got to think about the fees of anyone you hire to help you secure the house and then move in, and then there’s the annoying fact of mortgage stamp duty which is simply known as a tranfer tax in the United States. And that list still doesn’t end there! We recently discovered our bank miscalculated our property tax and it’s going to raise our mortgage. These things are just part of adulting sometimes and its no fun.
Because it’s the Best Way to Set Down Your Roots
If you’re the kind of person who likes to settle in, to always have a home base to return to no matter where you’ve ended up in the world, owning your own house is the best way to accomplish this. It’s a place you have every right to call your own, and you won’t have to pay any extraneous expenses on it while you’re away: no rent going up and changing whilst you’re not around, no bills to keep the heat and electricity on, and you can even rent out rooms while you’re not around to have a nice pile of money to come home to again.
Being comfortable with where you live is essential. Feeling good about your surroundings will help you relax and put down your roots. It’s a sign of safety and security in your life.
Because You Want a Place to Start a Family
Even if that’s just finally adopting a pet! When you own the house you live in, you can do whatever you want with it, and you don’t have to add any other people to the rental agreement. Owning your own house, either with or without a partner, is a good sign you or the two of you are ready for more, and you can go for it if it’s what you want!
You’ve made one big step, and if it feels natural enough, you can follow through with some other big steps. Starting a family is a big decision, but this is a great chance for you to feel ready enough to make that decision, and have some little feet running around your new hallways and rooms can really make your house feel like a home.
Ready to Buy Your Own House?
It’s a step not taken lightly, and you can take a few steps back from it if you change your mind halfway through. You aren’t ever obligated to find a place of your own, so make sure it’s what you really want before you go through with it. This post was just here to remind you it’s something you’re going to love doing when the time comes!
Having a house to call your own is going to be one of the best decisions you ever make because the decision is all up to you!
Featured Image by Lex Photography from Pexels
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