Kristin Bodkin's Blog
Buying a home is the mark of an important milestone in your life. While you’re very excited, you need to be prepared for all of the costs that are associated with buying a home. There are a few different costs that go into buying a home that are often overlooked. Before you dive into the home buying process, you’ll want to be prepared.
The Closing Costs
Many homebuyers have gone smoothly through the process of buying a home until they get to the closing table. They suddenly realize that they need a bit more cash than they anticipated. You probably were more than prepared with your down payment, but there’s other costs that are associated with buying a home. Some costs that you should be prepared for include:
- The home appraisal
- Attorney’s fees
- lender’s fees
- Underwriting fee
- Processing fees
- Inspection fees
You’ll receive a disclosure up front to help you understand all of the charges and cash that you must present when your signing the final documents for the purchase of the house. Keep in mind that many of these fees can be negotiable.
Decorating Your New Home
Once you move into a new home, you’re going to want to decorate the space. You may need a some new furniture. Perhaps you own no furniture and need to furnish the entire house. You’ll want to budget for this. The good news is that there are plenty of ways to fill up your home with items that won’t break the bank yet look good in the home. Places that you can shop include online sources like Craigslist or Facebook Marketplace. You can even check out local second hand stores for some great deals on furniture and decor that is in good condition. The important thing is that you understand how much you’ll need to buy as you move into the home.
The escrow account typically holds the insurance and taxes for the home. Funds are withdrawn as premiums and payments are due. Not every lender has these set up, but you should be prepared to have the money up front for the home insurance and even the taxes at the closing table.
Improvements Around The Home
There will be plenty of things that you’ll want to do around your new home to spruce up the place and make it your own. From planting bushes in the front to flower gardens outside to fresh coats of paint, you’ll quickly discover how expensive it is to be a homeowner.
If you’re preparing to buy a home, now you understand why saving is so important! Investigate all the costs that you’ll need to pay up front while you’re in the midst of buying a home to avoid any surprises.
In recent years, the number of employees who work from home, at least some of the time, has increased to about 25 percent. This trend shows that companies are warming up to the idea of letting their employees work wherever they’re comfortable, and that a growing number of people are working on a freelance or contract basis.
Working from home, despite its many advantages, does pose some obstacles to productivity. Thus, time management and daily task setting are key to being as productive or more productive than you would be at the office.
In today’s article, we’re going to help you learn how to become more productive when you work from home so that you can meet your daily numbers while still enjoying the perks of working remotely.
One of the most difficult aspects of working from home is sticking to a schedule throughout the day. The home poses several distractions--kids, pets, TV, the refrigerator. Aside from the distraction factor, it’s easy to procrastinate when you don’t have a boss lurking around. There are several measures you can take while working at home to counter these factors.
First, make sure you set some ground rules for yourself and your family while working from home. Make sure everyone knows your work hours, including yourself. Stick to those hours by creating a daily routine. Everyone is different when it comes to keeping a planner.
Some people keep a simple task list in a notebook, while others create intricate planners that are color-coded and rife with stickers and reminders. Regardless of your method, make sure you have a physical reminder in front of you during the day that reminds you what you should be doing.
Routine is key to managing your time. While there will always be things that come up that we don’t plan for, having a foundation for your day is vital. Starting each day the same way is a good way to help yourself stick to your schedule. Some people go for a walk each morning, while others dive right into their work. Whichever you choose, make sure you do it consistently.
Creating a productive environment
Try to work in an office or spare room away from kids or pets and let your family know that you need to focus when you’re there.
If possible, set your phone to silent or “do not disturb” mode. Remove any distractions from the room that will tempt you to procrastinate. Things like the TV and snacks can easily steal your attention.
However, in this day of social media, it’s equally important to make sure you avoid procrastinating online as well. If you find yourself subconsciously navigating to Facebook or Reddit, try setting up an extension on your browser that limits your time on those sites to 10 minutes per day to help you stay on track.
A productive environment doesn’t have to be a barren one. Choose decorations and paint colors that work for you. You’ll want to feel comfortable in your work environment, and one of the perks of working from home is being able to customize any way that you like.
Finally, remember to take breaks. Many people who are able to work from home have a tendency to put work off until the last minute and then work feverishly to get everything done.