Home Buying: Five Reasons You Should Opt to Buy Small Homes

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“Love grows best in little houses, with fewer walls to separate. Where you eat and sleep so close together, you cannot help but communicate. If we had more room between us, think of all we would miss. Love grows best in houses just like this.” –Author Unknown

 

In a world wherein size is almost always important and would matter a lot, people would seldom find themselves preferring tiny things when these same things have bigger counterparts. The same sentiment can be applied in choosing homes—how often do you see homeowners going for a smaller home when the bigger one is within their budget scale? In fact, homeowners with families would even consider expanding their homes to have more spacious rooms and living areas insomuch that it would be a wonder why some prospective homeowners would go for diminutive homes to begin with. However, bigger is not always better and you should not be quick to dismiss the subtle charm of small homes. After all, small does not always have to mean lacking but rather enough while big does not always mean spacious, it can be more than what is necessary.

More importantly, while big homes afford homeowners more in terms of space, they become somewhat of a challenge to decorate and furnish whereas you can opt for a straightforward styling and home decorating approach in smaller homes. Moreover, while mansions are generally looked upon with awe, they tend to keep the dwellers apart insomuch that they might never even see each other in a day unless they deliberately wanted to. Homes of modest sizes would not only encourage but compel family members to interact by bumping into each other. In this regard, it can be inferred that love grows best and relationships are cultivated better in small homes. So, if you have been contemplating whether to move into a sprawling stone mansion or to downsize your homes by going for a unit in Avida Towers Centera or elsewhere, here are some of the reasons why you might want to go for the latter:

 

To spend less time on general maintenance

Bigger homes often need quite a lot of upkeep and cleaning and the more features they have, the more expensive the maintenance would be. If your homes come equipped with a pond, pool or any other facility that require maintenance then that would mean another monthly expense to consider if you wish to keep it in functioning order. Your homes need to be spruced up regularly and without a host of professionals and service people to attend to these cleaning tasks; it can be quite taxing for you to do them all. More importantly, it can demand a lot of time from you which begs the question: Is it really worth the effort?

 

To accumulate fewer things

Homes—regardless of size—will always be a magnet for clutter. Unfortunately, bigger homes tend to attract them so much more than their smaller counterparts. As a result, bigger homes would prove to be more of a challenge to organize than small homes. In fact, de-cluttering can be a potential headache for homeowners with big homes (just think of all the things you have accumulated over the years with a space so big!). Sure, you might dedicate time to organizing your household belongings and everything will look orderly for a while. But over time, you would find yourself organizing everything again; it is a vicious cycle and an endless loop unless you had a limit to what you accumulate. With smaller homes, you are constrained to put a cap on the number of things you can accumulate which means less worries about having too much stuff and cluttered rooms.

 

To live within your means

More often than not, people tend to think that their lifestyle needs an upgrade the moment their salary increases. Unfortunately, this kind of behavior can lead people spiraling down to a spending frenzy that might cause them to live beyond their means. To ensure that you do not go broke trying to upgrade our lifestyles; we should fight the belief that the moment we get an increase, our lifestyle has to move ranks as well. Being content without having to validate it with the appropriate lifestyle for our income would make us fare better. Besides, elevating your lifestyle will not necessarily guarantee your happiness and it pressures you to keep up which can be incredibly stressful. Opting for a smaller home is part of being content as there is less of a need to keep up or fill in the perceived deficit in social prestige with household stuff and personal belongings we do not really need.

 

More purchase satisfaction

Contemplating what house to buy is already somewhat of a challenge itself. Choosing to buy a more expensive home connotes a weighty and more grueling decision to purchase it—regardless of how much you have sitting in the bank. Purchasing a home that meets what you need is pretty much straightforward whereas buying a home that is more than what you initially need would constrain you to make the necessary changes into transforming that property into your ideal home. Spacious areas demand higher investment and more customization which can often lead to disappointment if your expectations remain unmet.

 

Use every room in your house

Large homes have more rooms than average homes. These rooms will rarely get used unless you are hosting a number of guests but other than that spare rooms in big houses remain unoccupied. Small homes ensure that each room is being used to its fullest extent which in part, means you are using resources wisely as well.

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Home Ownership 101: Overt Signs You Are Ready for Your Own Home

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“Owning your own home is one of the best feelings ever. It cannot be described in words, it cannot be quantified in money. Home ownership is a feeling that makes life’s daily grind worth facing. It reassures you that after all the ups and downs, you have a place to go to…a place that will never judge you and will always invite you with open arms”-Author Unknown

For a while, you have noticed yourself perusing real estate listings such as fliers for 1br condos for rent in bgc or elsewhere. At times, you have noticed yourself looking for the latest real estate deals and observing the noticeable changes in real estate market trends. In fact, for some time now, you have contemplated of owning your very own piece of real estate—a property to your name if you may. However, you are quite unsure whether you are ready for the enormity of this responsibility or not.

After all, owning your very first piece of real estate might seem like a glamorous dream realized but it is still first and foremost a financial responsibility and if you do not happen to be financially mature and independent yet, maybe this is not the best time for home ownership just yet. However, if buying real estate property is something you really want to do, then check out these common signs below to see if you are ready and capable of having your very own property:

 

You are ready to stay in one place for a few years

If an impermanent lifestyle no longer appeals to you then you might just be ready to settle down and buy your own piece of real estate property. More importantly, if the allure of having a place to go home to outweighs your wanderlust and urge for discovering new places, then it might be the right time for home ownership. Sure, leading a nomadic lifestyle might sound fun and whimsical. But once you age, you would realize that you need to have a sense of permanence in one place. Trying out different neighborhoods might be fun at the time until such time you can your calling but eventually, you would realize that this is not a sustainable way to live—especially if you intend to have a family.

 

You wish to have better leverage over your own place

Renting means you are subjected to the rules and regulations of your landlord. You would be constrained to follow only pre-approved modifications by the owner insomuch that your unit can feel largely generic. If you wish to make significant changes that do not limit your creative potential, then home ownership might be a good idea to try it out. However, remember that when you are striking out on your own, you would already be responsible for everything—from paying the utility bills down to making the necessary repairs.)

 

Job Security

First and foremost, you need to be secure in your job and what you earn before you can let the allure of having your very own piece of property entice you into pushing through with a real estate deal. Remember, mortgage loan approvals would require a steady regular income. In this regard, you should realistically ask yourself if you have a secure enough employment that would allow you to commit to buying a home? Remember, once you purchase a home, you still have other expenses to think about such as the utility bills and other necessities you might need. More importantly, you need to have a secure employment. Having no work and stable income would already be bad enough but being out of work with a mortgage above your head would be so much worse.

 

You need more room

This one is pretty much understandable (and inevitable) for individuals with growing families. However, single individuals with kids would eventually need to think about moving into bigger spaces—especially when their kids reach an age wherein they would need their own rooms. Sure, you might think that a two-bedroom apartment would be sufficient enough for you but eventually, this space would hardly even feel spacious. There is a myriad of factors that would motivate one to opt for a bigger home or their own piece of real estate property—from the number of kids to an expanding business. Regardless of what your reasons might be, if you are in need of more space, you might want to invest in your own property instead of looking for a rental flat that is bigger and would accommodate all of you. In this way, you are technically investing in a property that is really yours instead of defraying someone else’s mortgage through their monthly  rental fees.

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House-Hunting 101: Common House-Hunting Mistakes

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“House hunting is easy. It is the catching it part that is difficult.” –Susan Gale

Buying a home can be an exciting prospect to look forward in your life.

However, it is also true that buying a home can be a very emotional process. However, you should avoid letting these emotions get to the best of you lest you are left with disappointment with your purchase. Indeed, home buying is not an easy endeavor and more often than not, the process is fraught with potential mistakes you might commit—mistakes you should be looking to avoid. No doubt, real estate property will be one of the most significant investments you will ever make, so in this regard, you need to be a little meticulous and discriminating in your house selection.

More importantly, buying a home has many far-reaching implications that range from the location of your property to how you are going to afford the property and still be able to make ends meet. Considering all these, it is inevitable to go through a series of emotions that if left uncheck, can cause us to make irrational decisions. To ensure that this does not happen and to prevent any kind of purchasing regrets, keep these tips in mind regardless of whether you are buying property in One Roxas Triangle or elsewhere:

 

Falling in love with a house you cannot afford

To be sure that you do not fall in love with a house that you cannot afford, it is best that you only check out properties that are within your price range. In this regard, it is pivotal to come up with a realistic budget of what you can afford before you even begin your hunt. Take note: Once you have fallen in love with a particular home, it can be hard to surface from that. And if you tried, it can potentially hurt. You start envisioning what your life would be like in your prospective new home and before you know it, you might start making offers you cannot realistically afford. If your offer has some teeth to it, you could be looking at years upon years of debt and even if you did not make an offer, you would only be breaking your heart at the thought of never owning the property. With this in mind, check properties that are within your price range and never go beyond. Doing so will only invite heartbreak.

Assuming there is nothing better out there

A novice—rookie even—mistake most first-time homebuyers commit is to assume that there is no property better than the one they have found if it so happens that the property in question ticks all of the boxes in their checklist. However, this is a major oversight as you are doing yourself a major disservice by not checking out the other houses in the area which—more often than not—are nearly identical to the one you have found. More importantly, these properties might be at a better price point than the one you have. Regardless of how long your must-have list is, there is always a chance that there are several homes out there that would meet your needs. If there are any snags to the property you like, it is best if you have an alternative option. Be open to keep on looking as this will save you from making any hasty decision which you might regret later.

Being desperate

When you have been looking for a while and getting outbid on the houses that you want or worse, not seeing any properties that you do like, it is understandable to have that pressing need to get that new property now. Unfortunately, there is a very likely chance that you would end up buying a house that you would inevitably hate. If you try to live with it by fashioning it after the dream home you do have in mind, remember that this can cause you exorbitantly—costs that you could have avoided had you not made the rash decision to secure a real estate property right away. If time is on your side, relax—wait until something you like comes a long. So long as your needs and demands are within your budget and realistic as well, you are sure to find property that you can live with.

Overlooking significant flaws

Once you have found a property that checks most of the items in your checklist and meets most of your demands and needs, it can be rather easy to compromise on the things you do not want—such as faulty utilities and fixtures. However, while minor flaws can be easy to repair, remember that this not always the case. Some properties have major problems that would be difficult, expensive or even impossible to repair. Before making an offer or an expensive commitment, consider your options and wait until a better property or offer comes along. If you are insistent on securing the property, at least try to haggle the asking price and make sure that it is reasonable and commensurate to the overall condition of the prospective property you are looking to buy.

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Home Living: Four Reasons Why You SHOULD NOT Live Together Before Marriage

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“I am not a big advocate of living together before marriage. It can be the right thing, but it can also leave two people stuck together who have not figured out what they really want out of a relationship.”-Emily Yoffe

 

Today, most modern couples are shacking up together and have started living their lives under one roof.

After all, there is no point in living separately when rental fees or real estate is priced at a premium. However, it is also highly likely that we have been told that we should never try living under one roof with our significant other without the benefit of marriage. Coming from a deeply religious family, shacking up before I have tied the knot was always something my own mother warned me about. The usual story goes that I would be living in sin and that the longer I live with someone, the less likely they are going to marry me.

After all, as the saying goes: why buy the cow when you can get the milk for free? However, antiquated and rather archaic beliefs aside, there are a few reasons why you should not jump into the idea of living with your significant other just yet. Sure, the idea might seem romantic—exciting even as who would not love waking up and sleeping next to their partners day after day? However, before you start building on the idea and scouring for properties in One Roxas Triangle or elsewhere, it is best to be aware of what you are getting into.

So, before testing the strength of your relationship or the enduring resilience of your love by moving in together, here are some of the things you ought to know about and why you should decide against the idea:

 

Solitude should be embraced

When you are on your own, you have your own space. You have a designated room where you can be as you are. However, all these are pretty much extinguished when you are living with a significant other. Once you are sharing a room, the both of you would be compromising on the color of the duvets or what kind of pillows you should use. Furthermore, you might be constrained to sacrifice some of your belongings. After all, space would be limited and you cannot realistically expect to stuff your shared room with all of your belongings. Compromising would be something the both of you would be doing quite often. So, enjoy your solitude while you still have it.

It gives you a way out should you need it

More often than not, couples live under one roof in order to mitigate rental costs and other expenses. However, this is not a good idea until both of you have already had all the difficult and rather unpleasant conversations. This includes what your plans in life for together, if and when you would get married and the like. With this in mind, you should not share a residential property with someone you are not even legally tied to—lest it would cost problems. Admittedly, breaking a rental contract would be a lot easier than getting a divorce or annulment, but you should still think twice about getting into a rental contract with someone if you do not even see yourself with them for the long haul.

You get to live on your own schedule (and terms)

Living with someone means that both of you would have to adapt to each other’s habits. And like stated above, the both of you would need to do a lot of compromising. Living alone means that you can come and go as you please. You have your own schedule without bothering anyone and can work late into the night without the compelling need to stay quiet so as not to disturb others. This is not the case when you are living together as you need to be flexible with each other’s schedules. When it is just you, it would be far easier.

Convenience is not romance

Rental, regardless of where you choose to live which is why most couples would attribute shacking up together to the high rental cost. Living together saves them a significant amount of money and would allow them to split the monthly rental cost. However, if you put it that way, is it romantic at all? Remember, deciding to move in together is a big step and is a rather huge deal. In one way or another, it is one step closer to getting married. So, if you have decided to live together for practical reasons, would it not effectively extinguish the romance and excitement in asking you to take your relationship to the next level? Much like a marriage proposal, most individuals would want it to come from a place of sincere and genuine love instead of lackluster convenience. Take note: this is a decision that would affect the both of you. Incidentally, it would also bind the both of you together. So, if your reason is simply to save some money, would it not defeat the romance in your relationship?

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Home Buying: Five Things to Know As a First Time Homebuyer

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“The ache for a home lives in all of us, the safe place where we go as we are and not be questioned.”-Maya Angelou

 

The prospect of buying your first home can be rather exciting, albeit a little daunting.

However, this endeavor is often fraught with difficulties if you are unaware of what it entails and what you should prepare for. Undoubtedly, the process will likely be overwhelming, however, when done right, you would not only be putting your money down on an excellent investment but you would also end up with a home you will be happy to live in for quite a long while. Furthermore, knowing what you want mitigates the likelihood of buyer’s remorse which is why it is always wise to review your options before pushing through with a deal.

In any case, if you are prepared to find the home of your dreams—whether that may be a unit in the East Gallery Place or a residential place elsewhere, here are some of the things you ought to know to minimize the likelihood of surprises when you do finally affix your signature on that contract:

 

Make sure to have room in your budget for transitional costs

Before you even shop around for homes, it is recommended that you set a budget of how much you are willing to pay for in a home. However, apart from budgeting for the property itself, you would also need to prepare for the transitional costs it entails. Remember, you still have expenses to cover on top of your mortgage so you need to adequately budget for that as well. Set a budget for the unexpected and have a plan for the allocation of the same. The earlier you plan, the less likely you will have any financial snags on top of your big investment so if you are already planning on shopping for homes, start creating your budget plan today.

Working with a good agent is paramount

Many homeowners think that home buying is an endeavor they can pull off by themselves. While they are right, going on about the house hunt and deal by yourself tends to slow down your pace and would take you a lot longer to find a place of your own at the price you can afford. Working with an agent who would be able to assist and guide you throughout the entire process would ensure that not only would you find the property you want but at the right price as well. In this time and age, the internet is at your disposal so use it to your advantage and find an agent who you think can work best to fit your needs. However, do not just arbitrarily go with anyone. Do not risk it and only select the best agent who has the expertise and comes highly recommended as well.

Determine if the price is right

More often than not, the prospect of living in our dream homes can cloud our judgment insomuch that we are willing to go beyond our budget because we are very much taken by a beautiful home. However, take the sparkles off of your eyes and check if your finances are in order before making an offer. Calculate your debt to income ratio and make sure that is manageable and is within rich. At the time, you might feel like you can make it work and that buying a home out of your budget would ultimately pay off. But, remember, paying a mortgage that is too high might end up being a financial encumbrance and would ruin your overall satisfaction and happiness in your investment. After all, just because you can borrow a certain amount to buy a more expensive home does not mean that you should.

Know the potential

First-time home buyers tend to go into the endeavor without managing their expectations which means they would likely disqualify homes that do not tick off all the boxes in their needs and wants list. However, these unrealistic expectations can deter you in the long run as demanding too much of your first home would often mean missing out on the subtle charms it already has as well as its hidden potential. For the littlest and tiniest imperfections, look for ways on how you can improve it instead of dismissing it right away.

Research the neighborhood

More often than not, a home’s location is so much more important than the home itself. In this regard, you ought to find a home that is located in a safe neighborhood that is in proximity to educational institutions as well as commercial establishments and shopping centers. Do not zero your focus on the home alone and look for one that is located in a great neighborhood as well. Choose a neighborhood with a strong sense of community and is safe and secure.

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Smart Home Buying: Negotiating Tips and Techniques Every Homebuyer Must Know

 

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“In business as in life—you do not get what you deserve, you get what you negotiate” –Chester L. Karrass

 

It has never been any question whether real estate is a good investment, it has long been considered a given.

However, considering that real estate property might be one of the biggest investments you would probably make in life, it is imperative that you go approach the endeavor with much contemplation and shrewdness. In this regard, selecting a property is in by no means a task you should treat arbitrarily—you need to weight your options insomuch that you can find a property that is not only suitable to your lifestyle but comes at the best price and terms as well. After all, an old adage in real estate is that everything is negotiable. But, just how much is your prospective willing to compromise? Furthermore, do you possess the necessary skills to bring the agreement equally in your and the seller’s favor?

Buying a home does not only mean scoring the best property available, but it also means getting it at the best price possible as well. However, negotiating is a rather tricky skill that is refined over years of experience. Furthermore, it requires a great deal of knowing when to start the negotiations, how to push for more and when you should stop. In conjunction with all those, you would need to possess a shrewd skill in researching the real estate market plus a commitment to being familiar with your prospective property’s neighborhood. Take note: The more properties there are than people who want them, the better your chances in a successful negotiation are. And in this case, homebuyers have more leverage over the home prices which would then create an excellent avenue for negotiation on some homes.

Unfortunately, most homebuyers are unaware of their haggling options. Consequently, opportunities for negotiations are left unexplored when they should have been capitalized. To ensure you get the best deal possible for the prospective homes you are considering—whether that may be a condo for sale in Quezon City or elsewhere—take a gander at your options for negotiating. In any case, here are some of the techniques and tips you should never miss as a homebuyer:

 

Get an agent

As a buyer, you may have a little breathing room when it comes to the purchase of real estate property. But, that does not automatically mean that you are in the driver’s seat and can dictate the terms of how the sale would go. Unfortunately, with property listings available online, many homebuyers fall into a false sense of security and would think that real estate agents are unnecessary. Sure, you might find a house online but that does not guarantee you can actually get that offer to close.

Put your finances in order

Your offer would be so much more persuasive if it holds more weight. In this regard, you should get yourself pre-approved for a home loan. To highlight its importance, take note that some home sellers would not even consider prospective buyers who do not have a mortgage preapproval making it a paramount requirement not only in negotiations but in buying homes as well.

Do the math before getting hung up on small price differences

More often than not, homebuyers—especially first-time homebuyers—tend to be a little myopic about their prospective real estate property insomuch that they would only look at the price without considering other factors. Sometimes, you need to consider every aspect of the deal before you even consider closing on it or overlooking it. There might be instances wherein small differences would actually mean you get a better property or a more flexible payment rate. In any case, you should do the math and consider the deal from all angles before accepting or rejecting an offer.

Base your offer on the home value and not the list price

Before pitching an offer for a prospective property, take a look at the recent sales in the neighborhood first. From there, you would get the necessary information to arm you in your negotiation endeavor. Keep in mind that homes priced at or below the market value are highly unlikely to budge on their asking price whereas those priced at above market value and have been in the market for a while would be more receptive to lower offers. However, do not immediately jump the gun on the negotiations and accompany your negotiation pitch with a market analysis first.

Be prepared to move fast

Most properties that go in the market tend to disappear as soon as they hit the listings—especially if they are in ideal neighborhoods and are priced reasonably. In a competitive market, keep in mind that your first offer SHOULD BE your best offer. You might never get another chance, so ensure what you offer would not only be persuasive but enticing enough as well.

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Four Things You Should Know About Your Partner before Moving in Together

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“Marriage is a framework to preserve friendship. It is valuable because it gives much more room to develop than just living together. It provides a base from which a person can work at understanding himself and another person.” –Robertson Davies

 

Moving in together is a relationship milestone only second to marriage.

With this in mind, it would be no wonder why so many long-term couples would quickly adapt to the idea and start living together under one roof. After all, sleeping and waking up next to your partner would certainly present a myriad of romantic possibilities. However, quixotic fantasies aside, living together would also solve a myriad of pecuniary difficulties through the unified defrayment of mortgage, rent and utility bills. Unfortunately, just because living together presents fantastic opportunities for the both of you (both practical and idealistic) does not mean that you should.

Arguably, you can view living together as a trial run for what your life would be like when you do become a married couple and see what your long-term partner is really like. But you also have to consider the possibility that moving in together might strain your relationship and cause it to progressively deteriorate. After all, there is much truth to the maxim that says “familiarity breeds contempt”. This is not to say that you should never live together before marriage, but it does encourage you to weigh your options and give your decision a little forethought. Do not go into this possibility without exploring all the outcomes and possibilities. Contemplate and consult with your partner and see if this is the right move for you. Furthermore, try to find out if you and your partner are in sync and if your lifestyles match as this would be a paramount consideration when it comes to deciding whether or not you should live together. Ask yourself if you truly know your partner and if you can see yourself living with them for the long haul as sharing an address is a significant decision to make.

So, before you start scouring for condominium units in the East Gallery Place or elsewhere, here are some of the things you should definitely know about your partner before moving in with them:

 

 

How they maintain their space

More often than not, the primary cause of outbursts and domestic arguments would stem from one partner’s refusal to clean up after himself or herself. While you were still living separately, these might seem like a fun quirk about them. However, if you have to deal with it daily, your partner’s inability to clean up after themselves would quickly escalate into an infuriating trait insomuch that you might find yourselves rubbing each other the wrong way. It might be that your partner has an affinity for clutter while you wish for the place to be as immaculate and pristine as possible. In any case, your lifestyles should match and you would need to iron out any deal-breakers before you decide to move in with them.

Their oddities and pet peeves

Everyone has their own fair share of idiosyncrasies and your partner will likely have them too. In this regard, you should know what their pet peeves are as they should with yours. Cohabitation means that you would be living in proximity to each other for most of the time and they might have little peculiarities that send you into a blind rage. Having your partner know what they are would enable them to manage their behavior in the same way you would do yours. Settle it before you move in together so that pet peeves would not become a cause for arguments in the future.

What their routine is like

Most individuals have a daily morning routine without even realizing it. Being a night owl or a morning person contributes to how you go about your day. In this regard, know how your partner generally behaves in the morning before you even consider living under one room. Know what their sleeping habits are and what their daily morning routine is. They might expect you to adapt to your schedule or they might choose to adapt to yours. In any case, this should be discussed so that you can have a lifestyle that would match.

How they handle money

Money is a sensitive issue that calls for difficult discussions when it comes to relationships. How your partner handles his or her finances would ultimately contribute to how well they would settle monthly bills. When you move in together, you would likely share your finances which is why it would be a wise move to know whether your partner has a blasé attitude as regards their finances or not. Furthermore, while it might be awkward, it is vital to have a heart-to-heart talk about how you intend to share the living and household expenses and how you can save for the future. Remember, these are pivotal things that need to be discussed in order to avoid snarky arguments about money in the long haul.

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12 Life Tips to Help You Fake It Till You Make It

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It’s not fun to be broke. Hell, no one wants the feeling of being broke. No one relishes in the fact that they don’t have money. No one wants to admit they can’t afford to go clubbing every Friday night, go shop for designer clothes at the 30th Mall or grab some bite at the fancy organic restaurant that opened last week. It’s sad, but it’s the truth. Not everyone has a six-figure paycheck or something like that.

These people are regular people. They are the hard-workers in the office who don’t get as much as they’d hope to have. They might have manicured lawns, by they don’t have anything on their savings account. These people are the kind of people who need to save up to celebrate the holidays.

If you are one of those people, there’s no shame in admitting it. Most of the population belong to this economic bracket. In reality, they fake it. They fake it until they make it. You can do the same too, and this is how to do it.

1. Don’t quit your job

If you don’t have a backup plan, you shouldn’t pass a resignation letter. You shouldn’t leave your job when you don’t have a fallback. It’s risky. There isn’t any assurance you’ll get a source of income as soon as you leave your company.

2. Become productive

Don’t spend your time on trivial things. Spend it on things that help you grow as a person and thrive as a professional. Take online classes. Most of them are free and readily available. Learn a new skill. You can find a lot of tutorials and instructions on the Internet. Find something to do that helps you earn money.

3. Don’t be a time waster

Don’t ever waste someone’s time. Time is a valuable resource. It’s also something no one can ever take back. If you’re running late, give them a call or leave a message. If there’s a conflict of interest, you should inform them ahead of time.

4. Be honest about your finances

It pays to be truthful to yourself and those around you. Don’t keep secrets to your partner. Don’t cover up your spending habits or mistakes. Most couples end up in divorce because they choose to keep things to themselves. Open up about the thing you do to build trust.

5. Save up for rainy days

You never know when you’ll run into emergencies. Eventually, someone gets sick. Other times, it’s your home that needs repairs. You should always be prepared for the things that might come your way.

6. Don’t waste water and electricity

If you’re low on budget, then you must consider how you consume these two. Remember, you have control over how you use these two things. Don’t leave the tap running. Limit turning on the water heater. You should also think about using surge protectors. You can save a lot of money when you become cautious about how you use water and electricity.

7. Limit expenses

Try not to undertake new financial responsibilities especially when you can’t handle them anymore. It only attracts problems in the household. It also places additional pressure on you.

8. Walk

Use your feet. Don’t drive the car when you can walk towards the place you need to be. It helps you save money on gas. Moreover, it reduces traffic and pollution. Last but not least, you get fresh air and exercise.

9. Don’t go on expensive dates

There are plenty of cheap date ideas you should try. Instead of ordering a salad and a steak, you should try visiting the library or the local museum. You can also set up tables and tents in each other’s backyard instead of going to the movies and consuming overpriced popcorn. Being picky about your activities doesn’t mean you’re a cheapskate. It only shows you’re being smart about your choices.

10. Do the cleaning yourself

Don’t be lazy. Don’t hire a housekeeper to wash the dishes or scrub your bathroom tiles. Teach yourself to do them. It can some work, but you’ll manage as long as you have patience. You should also try cleaning the car and tending the grass yourself. You’ll learn to take better care of your things when you tidy up by yourself.

11. Don’t shop for expensive gifts

Holidays, birthdays and special occasions often call for gifts. But, it doesn’t mean you have to purchase the most expensive ones on the shelf. Before you go shopping, you should put your budget to mind. You shouldn’t get things that go beyond your limit.

12. Don’t take frequent trips to the salon and spa

It feels nice to pamper yourself, but you don’t need someone else to do it for you. You do your nails at home or try DIY facial treatments without heading to the spa. Frequent pampering sessions are a must, but they bloat your expenses.

Faking it doesn’t mean you’re trying to be someone else. It just means you’re doing your best to get by when your income isn’t enough to cover your needs. These are the things that can help you do it. Practice them until they become part of your routine. That way, it feels natural and fits your life like a glove.

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