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    The Simple Guide to Buying a Home
    The Simple Guide to Buying a Home
    The Simple Guide to Buying a Home
    Ebook43 pages30 minutes

    The Simple Guide to Buying a Home

    By Christine Cronin

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    About this ebook

    The Simple Guide to Buying a Home is an empowering book that addresses many details about the home buying process, provides suggestions that will make the process as smooth as possible, and will help you feel more comfortable in each stage. This book contains helpful tools such as charts that will help you organize data, examples of common challenges and barriers when buying a home, and checklist reminders during different stages of the home-buying process. This book will not only answer the questions you already have, but also teach you more questions to ask, help you gain insight into your options, and ultimately enable you to make the most informed decisions when you buy your home.

    LanguageEnglish
    PublisherTablo Publishing
    Release dateJul 16, 2020
    ISBN9781649691484
    The Simple Guide to Buying a Home

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      Book preview

      The Simple Guide to Buying a Home - Christine Cronin

      Budgeting

         When you first start to budget, it can feel like the fun is taken out of life. Budgeting takes time, puts limits on what you want to do, and can be a real downer – or so it feels. What you don’t expect is that this will ultimately set you free.

      Let me start by explaining some advantages of budgeting.  If you're prepared for unexpected financial emergencies your stress levels will do a lot better knowing that you can cover it. A lot of research has suggested that stress is very dangerous for us, especially for a long period of time. Let’s try to reduce it as much as possible by hoping for the best, but preparing for the worst. So, how budgeting will be fun is that it will allow you to afford the things you want, reduce your stress levels, and allow you to do the things you love. 

      There are budgeting templates below that I hope will be helpful in your exciting budgeting journey. When you write in your categories, start with the mandatory items, for example rent, utilities, food, etc. For a category that you don't use every month, such as clothes, estimate how much you spend a year and divide that by 12 for your monthly budget. Once you have all your categories, add up your total monthly expenses. Now, you can subtract your expenses from your income and see how much you have left over each month. 

      Next, add your line items for fun and non-mandatory categories, including money for entertainment, traveling, etc. Adjust your budget on those items based on how much you want to save each month depending on how much you want for savings and your down payment. If you want to buy sooner than later, then consider cutting expenses in non-mandatory categories. If you’d rather have more money for fun now, and buy later, then do that! This is your life and it’s important that you do what makes you happy. It’s also important that you find your own personalized way to budget your money to obtain your long-term goals. 

      To track your expenses on a weekly basis, make a spread sheet with all your categories on the left column and days of the week on the top row (see example below). Be sure to write down what you spend in each day and then add them up at the end of the week. Do this each week and see where your spending lands in each category for the month. At the end of the month, you might discover that

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