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Home Organizing Endeavours: Five Excellent Reasons to Get Rid of Your Stuff

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“Eliminate the clutter and all the things that are going on outside and focus on the things that you can control with how you sort of go about and take care of your business. That is something that is ongoing, and it can never change.” –Nick Saban

 

On the surface, purging your homes from things you no longer need, want or use might seem like a daunting endeavour.

“What if I am going to need it someday?”

“But Aunt Mary gave it to me, why should I throw it away?”

“What is the purpose of throwing it away? I have enough storage space as it is”

These are just some of the reasons that tend to hold back homeowners from getting rid of their unwanted and unusable items. Some of the reasons for your resistance in eliminating these items would either stem from sentimentality, nostalgia or you just want to have it around to see if you will eventually need it in the future. But the truth is, you are just clinging on to junk and if you do not get rid of them anytime soon, then you will likely end up in a living space so cramped and stifling that it would incite feelings of anxiety whenever you come home. More importantly, your insistence in keeping these things will keep you from having better things solely because you no longer have enough space to store them. In this regard, clearing the clutter and organizing your homes should be an annual practice—an annual habit if you may. However, if you find yourself being unable to start or lacking the right motivation to do it, this article might just help you get things going. Perhaps revisiting the reasons for decluttering and organizing your home might help you kick start your goal into having a better organized and cleaner home.

In any case, whether you are living in a unit in Ardia Vermosa or elsewhere, here are some of the excellent reasons why you should definitely declutter your homes:

 

Enjoy more free time

Having a clutter-free home will inevitably lead to significantly less cleaning time. After al, you would no longer need to organize the items day after day just so you can clean the area beneath them or the area they are stored in. More importantly, living with less stuff makes it a lot easier to find items when you need it which means less time is wasted looking for items you might have misplaced. Having fewer household belongings would ultimately make your home better and more manageable to clean.

 

Spend less money

A clutter-free space means having no worries about where to store your belongings. In general, it redounds to a significantly lower monthly expense as you would not have to worry about buying more organizing tools, storage containers and the like just to have somewhere to put all of those extra items. When you are conscious about maintaining a clutter-free home, you may even potentially spend less on your home—especially when you decide that you do not need all the extra space after clearing the clutter.

 

Feel more calm

A cluttered living space can feel overwhelmingly confusing. As times, it can even be stifling and suffocating insomuch that it becomes almost unbearable to be there. However, a room with less stuff will feel warm, inviting and serene. More importantly, it gives you room to breathe and so much more. Overstuffing homes would only invite stressful emotions and anxiety. So ensure that your surfaces are devoid of stuff and clear it from material goods. Give yourself the gift of being calm and serene.

 

Always have something to wear

Having an overstuffed closet can lead you to being indecisive about your daily ensembles. While you have a wider array in clothing selection, there is a likely chance you would not be able to see them all as you have kept and stuffed them in the drawers and corners of your closet. In this regard, you are left with the paradox of having a full closet without having to wear. With this in mind, you ought to start purging your closet from clothes that no longer serve you well. This includes clothes that no longer fit you, old clothes and clothes you have not even worn in the past year. In this way, you would be able to see your clothing selections better. Paring down your wardrobe and filling it only with the things you love will make you look forward to dressing up each morning instead of dreading it.

 

Get better sleep

Having way too much going on in a room distracts you from getting any decent sleep. More importantly, sleeping in a cluttered room leads to stressful mornings. Clear your bedroom from all the unwanted items it currently has to help you get some quality shut-eye. After all, your home should be a safe haven where you can clear your mind from worries and stress. if it is in a perpetual state of disarray, there is a likely chance that it is only going to heighten and aggravate your negative feelings instead of nullifying it.

 

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Better Homes: Four Home Organization Resolutions to Usher 2019 with a Bang

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“Being organized is not about getting rid of everything you own or trying to become a different person; it is about living the way you want to live, but better.”-Andrew Mellen

 

Benjamin Franklin once said that for every minute spent in organizing, an hour is earned. This is because any aspect on your life that is organized—whether it may be your life itself or your home—will effectively allow you to streamline your activities and tasks in such a way that you would be able to expedite them.

In this regard, homeowners ought to make some home organization resolutions for the New Year to get rid of the clutter, clean up and organize their homes. As a result, the prospect of being welcomed home to a spruced up pad would be so much brighter for the next 365 days. With this in mind, we ought not to waste any more time and get started on that home resolution list—especially as the brand new year is still in its inception. Unfortunately, humans as we are, resolutions tend to be a little challenging to maintain after a significant time has passed. Much like your resolve to commit to a daily workout, your New Year resolutions in keeping a spotless and clutter-free home can potentially get waylaid by random bouts of lethargy (or just general laziness on your part).

To prevent this from occurring, remind yourself why you started in the first place. There may be more to life that constantly having to clean and organize your homes but remember that your life would be so much easier if you maintained one. With an organized home—whether that may be a residential flat or a condominium in Pasig, you can expect less stress and more comfort. Now, is that not what you would want to welcome you home every single day for the entire year? In any case, strengthen your resolve and tap into that New Year motivation, kick your cleaning habits into gear and commit to making these home organization resolutions not only for the New Year, but for the entire year.

 

Put everything in its place

There is a saying that everything has a place and that there is a place for everything. However, when it comes to organized homes, only the former sentiment should apply. Every single household item should have its designated place and it is your responsibility to ensure that they are appropriately utilized. A home cannot truly be organized if household objects are in disarray or do not have homes. Designate a spot for everything and commit to keeping it there. If you find your homes lacking in storage space, then commit to expanding it by investing on storage items that help you keep everything away from sight (and from adding to the clutter).

 

Stick to the 90/90 rule

To ensure that your home does not become a magnet for clutter, stick by the 90/90 rule as popularized by minimalists. In sum, the rule’s premise is to throw out anything that you have not used in ninety days and do not see yourself using for the next ninety. If you wish, you might even adjust your time limit (either shorten or lengthen it). Just stick to a timeline that is realistic to you and stick to it. This rule would help you mitigate the possibility of holding on to things that you no longer need (and might never need again). More importantly, any decision that takes the guesswork out of the equation is easily made than those that need deeper contemplation. In any case, if you think this is going to be a hard rule to abide by, just trust us when we say that if you have not used it in a significant amount of time, you are probably not going to miss it when you throw it out.

 

Remember: “One in, one out”

This rule basically means that if something new comes to your home, it should be to replace something and not to add to the clutter. For optimum effect, universally apply this rule to all of your things—from your clothes to your kitchen cutlery and gadgets. Do not hold on to anything if you are buying anything new. If you cannot see yourself letting go of some old stuff you have, then you should not be buying anything new. Similarly, you should encourage your kids to donate toys they no longer want and clothes they have outgrown. Kids can quickly outgrow their clothes which would prompt you to new ones. In this regard, discard the old items and give them away as holding on to them would only be counterintuitive to your endeavor.

 

Make a commitment

A literal “clean slate” promise if you may. Even if it takes extra effort on your part (such as going to bed twenty minutes later than usual), make it a point to spruce up the house every single day before you wrap up the night. Do not procrastinate and wait until the morning to do it as that is how you end up with a disorganized home. It might prove to be a slog, but it can be rewarding. More importantly, the more you do it, the better you will be at cleaning which would effectively reduce the cleaning time you require each night. By cleaning up each day, you can start each morning fresh without a deficit in organization and cleanliness.

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Aesthetic Spaces: Three Ways to Make Your House Feel Like Home

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“A home is not just a roof over our heads. A home is a place where we feel loved and where we love others. It is a place we belong. Love is what makes a home, not the contents inside the house or the number on the door. It is the people waiting for us across the threshold, the people who will take us in their arms after a sad day and kiss us good night and good morning every single day for the rest of our lives”-Hermann Hesse

After months upon months of saving for a home, you can finally breathe easy when you have finally settled in.

However, before you let the dazzle of having a new home cloud your eyes, you need to make the extra effort of making your new place truly a home you can call your own. Once the excitement of a new home dies down, the boxes all unpacked and everything else stocked and placed in their proper areas, your new place would still nonetheless feel impersonal and just a tad bit lacking. This is understandable as after all, you are still in the new phase of settling in to your new home. Unfortunately, while this sense of feeling of newness is not entirely bad, it precludes you from feeling a genuine sense of comfort—something which you should adequately and immediately address.

While you might think you can hold off decorating and personalizing your homes until such time that you can fully settle into your new home, remember that there is a marked difference between living in a place that you simply rely on for provisions and living in a place that evokes a genuine feeling of belongingness and the true comfort of home. Without it, you will hardly feel like your home is cozy which is why, regardless of where your home is or whether it is a condominium in BGC or a flat elsewhere, it is imperative to make a conscious effort in a cultivating a sense of warmth and personality in it. In any case, here are some of the few things you can do to help foster a space where you can truly belong:

 

Display art

Hanging paintings is one of the creative avenues to showcase your sophisticated taste in art. Everyone has largely different tastes in art and more often than not, some aspects of your personality and character can be dissected through your choices in them. Apart from enhancing the aesthetic appeal of any place, hanged art is an avenue for reducing stress and promoting happiness. After all, it has been shown that people tend to get a big boost of pleasure from looking at things that we consider to be beautiful. Hanging art in your homes would help you inject a bit of your personality and interests in a space insomuch that bits of you can be seen from the art hanged.

 

Spruce it up

Any space should first and foremost be clean before it can be beautiful. After all, any hint of disorder, dirt and disorganization would detract a space’s overall appeal—regardless of how beautiful and strategic you have placed your furnishings, décor items and art. Also, you should take note that a place can never be comfortable if it is not primarily clean. In this regard, make a conscious effort to spruce up every now and then. After all, you would feel so much better when you are climbing into freshly washed sheets and getting inside a clean room.

 

Showcase items that remind you of the home you grew up in

Majority of us regard our childhood homes as the epitome of what a real home genuinely is. This is particularly true for individuals who had happy childhoods and regarded their homes as sanctuaries where they feel loved and safe all the time. While you can never fully recreate that same feeling in your new home, you can always incorporate items in it that would remind you of the home you once grew up in. It can be old and discarded furniture which you can give its own place of honor in your new home or a few dated but classic board games. If you are feeling extra nostalgic, you might try and inject a few items from your childhood bedroom into your new bedroom—just be sure that you and your partner are on the same page on this one. Select a few things from your old home that would cultivate a sense of childhood warmth in you and try to incorporate them into your new space. In this regard, you would always have that a tangible feeling of home with you—no matter where you are living today.

 

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Home Selling Endeavors: Five Things that Scare Off Prospective Homebuyers

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“In the real estate business, you learn more about people, and you learn more about community issues, you learn more about life, you learn more about the impact of government, probably than any other profession that I know of” –Johnny Jsakson

Ever been in a situation wherein you were a hundred percent positive that a prospective homebuyer would complete a transaction with you? Were you so sure that they were going to buy only to be informed days later that they found a better house instead?

What happened? What went wrong? And what possible reason could there be that after perusing your home, they refused to make an offer or declined yours? Well, as it turns out, it might be that something in your home turned them off. In this regard, you should start asking yourselves: Does my home turn buyers off? Is your dilapidated and dirty home keeping you from fetching a good deal on the real estate market? Is this the reason you have struggled so hard to sell your property? Remember, regardless of whether your property is prime real estate located in Westborough, if it turns off potential buyers then the chances of selling it fast (and more importantly, at a good price) are next to impossible. So, to ensure that that your home does not have any underlying icky issues, here are some of the things that might be turning your potential buyers away:

Dirt, grime and filth

Of all the things that turn off your potential buyers, dirty surroundings would make it to the top of the list. After all, who would want to live in a house that has grimy floors, dust and dirty everywhere and kitchen counters filled with crust? In this regard, your first priority should be to get your properties in pristine and tiptop condition. If you want to attract potential homebuyers—more importantly, if you want to sell it at a particular price point—then getting your home in the best possible condition is a must. However, do not stop in getting your homes clean, make it immaculate. Go the extra mile by putting in the extra effort—from steam-cleaning tile and grout to overhauling your carpets. If they are old and smells rank, you should throw them out and replace them with new ones.

The place looks hideous from the street

They say first impressions matter. In the case of selling real estate, the first impression is what gets your prospective buyer to knock on your door and check your property out. With this in mind, be sure to make your homes as welcoming as possible from the street. If it looks uninviting from the get-go then you are hardly going to get any offers. Unfortunately, it can be rather difficult to determine whether or not your homes look presentable from the street given that you are used to it by now and barely take notice. To ensure that you would get an impartial opinion, ask a relative or a friend what looks off about your home’s exterior. A home seller’s eye tends to make a myriad of oversights while a homebuyer can be a bit more particular and exacting. What looks bad can be a range of things of them. It could be a weedy yard, debris on the lawn or even just a crappy-looking door. Improve your home’s overall aesthetic starting with what immediately meets the eye of your prospective homebuyers.

Unorthodox décor

What looks great as home décor is a matter of personal taste and preference. In this regard, you cannot reasonably expect your potential homebuyers to share your enthusiasm for your rather eclectic and unconventional taste in home furnishings and ornaments. Sure, you might have a passion for taxidermy and prefer to have stuffed animals to complete the look of your home. But this might horrify a great slew of your potential homebuyers. With this in mind, keep your furnishings and home décor neutral. If you wish to cast the broadest net possible for buyers, remove any displays, posters and visuals that may either offend or turn them off. You might never know but what might seem innocent to you might affront a prospective buyer who is checking out your property. Keep it neutral.

Your home has visible defects

Dings, cracks and other blemishes might seem like things you would normally overlook. But to the discerning and judicious eye of a possible homebuyer, this could make or break a possible sale. As a homeowner, it is easy and rather understandable to live in a home with innumerable flaws and mechanical nuisances that you would no longer notice them. But, your potential homebuyers will. Address any maintenance issues immediately and take care of the cracks and dings. The moment your home is going to look like a chore list, then almost always, you are likely to lose a potential buyer.

Off-putting smells

Your home might smell rank and it might just be the reason why a lot of buyers have already checked your home and refused to make you an offer. Unfortunately, if you have lived in your home for a significant amount of time, picking out an odd smell can be rather difficult—impossible even given that you are already accustomed to the smell. Pervasive smells such as urine from a pet can be very off-putting. With this in mind, have a thorough cleanup of your place. Better yet, hire professional cleaners to do that job for you—it will be a worthy investment!

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Etiquette: Surviving a Party

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Photo by Levi Guzman

Each party has a specific setup. Some parties are laidback. Others are loud and raucous. The setup of the party depends on the environment. If you’re the type to be socially awkward or shy away from large groups of people, then you can be in a sticky spot during parties. You won’t be able to converse with other people if you aren’t comfortable in the situation. You also won’t be able to enjoy what the host serves on the table if you’re too shy to move.

Whether it’s a small gathering in a condo in Makati or a function near a hall in Sta. Mesa, you can follow the tips below to have a grand time. Social gatherings made for you to enjoy. Don’t worry if you don’t know how to act. These tips will let you know how to act at a party even when you are by yourself.

Introduce yourself to other people

The more you wait to talk to other people, the more you will get cold feet. When that happens, your confidence levels go down. It becomes harder to mingle with others. Once you get to the party, go around and start talking to people. Introduce yourself to those who don’t know you. A simple “Hey and nice to meet you” does the trick. You can continue the conversation by asking if they know other people or they have someone else with them. You can also ask if they know the host. Others will notice you’re friendly and social eventually.

Keep a friendly face.

Don’t just sulk and frown in a corner. No one wants to be in the company of a Debbie Downer. If you’re planning to be the light of the party, you should smile and open yourself to others. Greet other people and go around the area. If you’re feeling a bit down, you should immerse in a light conversation with other guests who are happy to be there. Hopefully, their jokes and good mood can rub on you. Also, part of being friendly is getting into a conversation with people who wish to talk to you. Some people might find you interesting. These people look forward to getting to know more about you so you should be sensitive to see if someone wishes to strike a conversation with you.

Don’t worry about other people.

Remember, everyone in the party is either enjoying the booze, free food, or the company of others. If you’re afraid that you’ll look like a jerk or loser, then you’re just wasting your time and energy. Most people in the party don’t care about what others are doing. In particular, no cares about what you plan to do. With that in mind, you should do whatever you were expecting before you got in the place. Talk to people, try out some snacks, and get plastered. But, these things are more fun when you do them with someone. Be sure to have someone with you first before anything else.

Observe proper etiquette.

Whatever you do, you must always observe proper etiquette. When someone talks to you, you should look at him or her in the eyes. Stand up straight and avoid slouching. Your body language should convey you are open to accepting other people in your space. When someone is talking with you, you should pay attention. It shows that you are genuine and deeply interested in what they are saying. Lastly, you should always remember the names of the people who are talking to you. You can mention their names a few times if you can’t remember a lot of names in a short amount of time.

Select a few people you would like to get to know.

After you talk with several people, you should pick those whose company you enjoy. You only have limited time and energy, so you must use it wisely. It’s best to expend them on the people you love. Try to get to know them better by spending most of your time with them. But in the process, you should not try to blow off other people who try to join the conversation. People are in a party to expand their network and meet someone new. Clamming up and pushing others away can make people think that you aren’t friendly.

Treat people how you want others to treat you

You should follow this rule everywhere you go. Always treat people how you want them to approach you. Talk to them how someone should talk to you. Others don’t want to associate themselves with a rude person. They also don’t want to spend time with someone who doesn’t see or treat them as an equal. If you don’t want other people to call out your rude behavior, then you should always be considerate of how you treat people and how they feel about it.

Of course, not everyone has the social energy to immerse themselves in the experience fully. If you find yourself tired or feeling drained, you should excuse yourself and step away from the scene. After recharging, go back to the party and continue spending time with your new found friends.

How Make Guests Feel Welcome Whenever They Come Over

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It pays to be a good host or hostess. You must know how to care for your guests whenever they visit for a few hours or when they decide to stay over the weekend. For some people, preparation comes easy when they have people come over. However, others still struggle and feel stressed once they find out a childhood friend or a few relatives fly over to spend the holidays. They are at a loss on how to prepare their home.

Fortunately, you don’t have to fuss over the details of what to prepare when guests arrive. Whether you live in a condo or staying at a house and lot for sale in Cavite, here are some of the ways on how to make guests feel welcome whenever they stay over.

1. Prepare for an outdoor gathering

There’s only so much you can do accomplish your home. Eventually, your guests will get bored and look for ways to entertain themselves. If you don’t have anything to do, why not bring the fun outdoors? You can get some outdoor chairs to gather around a low table or a firepit. The table can hold your food and snacks while the firepit can keep you warm during chilly nights. Having an outdoor gathering spot also gives you a place to hang out when drinking coffee or taking evening cocktails.

2. Prepare your meals ahead of time

Spend less time in the kitchen by chopping vegetables and gathering ingredients before you need them. You can store them in containers so you can quickly retrieve them when you need them. You can do the same with appetizers and other snacks.

3. Make it easy to get breakfast

Try not to make breakfast a hassle for everyone. Instead of preparing toast of getting your hands full with a full with preparing a full English, you should go for doughnuts, bagels, and pastries from bakeries or groceries. You can also get single-serving cereals and spreads. These alternatives are perfect for guests who stay up late.

4. Serve lunch buffet style

If you’re having special meals or planning a dinner out, you should simplify your lunch by laying out an assortment of loaves of bread, cheese, and thin slices of meat. Pair it fresh slices of fruits, salads, and small servings of dessert. It’s light but enough to limit your time in the kitchen. Afterward, let your guests help themselves to get their fill.

5. Keep guests satisfied in between activities

You should offer chips and dips, a fruit platter, or a crudite to keep the crowd happy and satisfied. You can set them on a plate or your kitchen counter for easy access. For the health conscious, you can serve oatmeal cookies, oven-baked carrot fries, nuts, and other vegan substitutes. Don’t forget to have a supply of water nearby. It’s best to have bottled water so they can get them on the go.

6. Allow your guests to explore the kitchen

Don’t limit your guests to what’s available. You should let them explore what’s in the kitchen. To make things easy, you can make a list of where to find items in the kitchen. You should also point out where to find plates and glasses. It makes them familiar with your place while having access to your supplies.

7. Set a meetup point

If you are housing a big group or always heading in a different direction, you should set a time and a place where everyone can meet each night to catch up or grab an appetizer before your meal. It gives a chance for other people to meet with other members of the party. Establishing a meetup point is a great way to meet others even when your schedules aren’t in sync.

8. Schedule group activities

Ensure you have activities prepared for everyone. You should have activities lined up for different age groups and the weather. You can schedule a game night if you want to unwind and spend time indoors. You can play badminton, soccer or frisbee if you have enough space in your lawn. If it’s raining or freezing outside, you can exchange stories by the fireplace, solve puzzles, or bring out a big puzzle. Don’t forget to bring out munchies and other snacks that are easy to pass within a group.

9. Be their local tour guide

Always keep everyone within the loop by writing the day’s events and weather forecasts someplace everyone can see. If you have a chalkboard, you should use to write your plans for the day. If guests spend their time by themselves, you should have a spare key ready for them to go as they please. Also, don’t forget to hand out brochures and a map that shows the instructions on how to go back to your home. Still, you can always accompany them wherever they go and show them the must-see sites in your area.

These are the ways on how to make your guests feel at home. You should always ensure they feel comfortable and at ease with your home. Playing a good host or hostess is reasonably easy as long as you follow these tips.

What to Expect When You’re Expecting: Four Ways to Prepare Your Home for a Newborn

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“A new baby is like the beginning of all things—wonder, hope and a dream of possibilities.”-Eda J. LeShan

 

Welcoming your newborn back to your home is an exciting and thrilling prospect.

However, it would also entail a myriad of responsibilities. For one, you need to ensure that your home is safe enough to accommodate little feet roaming around about it as your newborn progressively grows. In this regard, you need to ensure that every nook and cranny in your home is fit for a growing child to freely roam in. Sure, while you are pregnant, this might seem like a thing you are not likely to look into as it can be a tad overwhelming at times. While that is understandable, it is recommended that you start right away and do not procrastinate. Take note: The bigger your stomach grows, the faster that delivery date is to come. Start slowly but surely and never delay these tasks. The sooner you start on them, the earlier you will finish.

So, whether you live in a single story flat or in an empire east condo, it is recommended that you prime your homes for your newest family member’s arrival. Here are the ways to do it:

Survey your home and give it a safety exam

As an adult, you might overlook some safety hazards in your home. However, when you are expecting, this can all change. Sure, having a baby that can crawl into the kitchen and access toxic chemicals might seem ages away but sooner or later, your baby will inevitably start crawling. Prepare now while you are still able and rational enough to do so than doing it when the newborn arrives(and you are too sleep-deprived to think straight). Make sure that medications are stored somewhere out of reach or better yet in cabinets that require a key. Similarly, you might want to stow away toxic chemicals such as detergents out of the reach of small children.

Prepare for visitors

More often than not, your relatives and friends would want to send their heartfelt felicitations personally when you have just delivered a baby. Some of them who have not been able to do so while you are in the hospital might want to do so once you are home. With this in mind, it is best to prepare your homes to accommodate them—especially if they intend to stay the night. After all, you would be grateful that you took care of this right away than waiting at the last minute to scramble for bed sheets, towels and the like.

Zero in on the dirtiest places

Before welcoming a newborn into your home, it is recommended that you do your routine cleaning. However, for optimal results and for a better environment for your kid to potentially crawl around in, go beyond your regular cleaning routine and have a professional do a deep cleanse. The dirtiest areas in your homes are not your doorknobs and light switches but it is actually the things that you will find in your kitchen. This would include things like your stove knobs, dish rags, kitchen sinks, cutting boards and the like. Be sure to bring your baby home to an immaculate place that does not have places harboring any germs. In the same vein, you might want to keep sanitizing wipes near these five salient places to wipe them on a regular basis.

Have room in your fridge

While you think you have an infinite food resource in the form of breast milk, your baby would still need formulas to drink. As the months go by, you would also need to dedicate some space in your fridge for baby food. All that in addition to all the food you already have plus the food your well-wishers and visitors would be bringing when they pay your kid a visit would take up serious space in your fridge. Prepare for it beforehand by emptying it out of spoiled and unnecessary food and then do a good cleaning. Discard anything that might be expired or food you no longer recognize then wipe it with a warm sponge. In any case, keep your fridges clean and ensure it has more than enough space to accommodate extra food.

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4 Truths on Buying a Home with a New Job

You are just starting out as a young professional. You got everything under control. But at the tender age of being a twenty-something, you want to fast forward to the moment when you get to buy your place.

Buying a house entails risk, they say. However, that is an ancient thinking. While home buying always include additional costs, acquiring one isn’t as complicated as it used to be years ago.

Many working Filipinos are now opting to look for properties for various reasons. Some young adults want the comfort and convenience of a condo. Others want the flexibility of buying a low-cost housing in Cavite or other accessible communities.

It may be easy to acquire property, but you have to ask yourself if you are ready for the reality of having one while being in the early stages of your professional life.

Truths about homebuying

Truth #1: Buying a property is a huge responsibility.

buying a house is a huge responsibility

Besides the obvious of being independent and living alone, buying a property means financial responsibility. You can purchase a property without a savings fund. Banks and government agencies such as GSIS, SSS and PAG-IBIG offer loans with flexible term payment. Other companies also offer cash advances or loans that will be carried over the employee’s monthly salary.

Regardless of the source of funding you choose, you have to make sure you have it all planned out. The agencies and banks will check your qualifications. Your current income is a factor that determines if you can afford to pay the amount of money you owe. Other than your income, your spending habits have to be kept in check.

Financial institutions expect you to pay your dues accordingly. Even your salary is enough to cover the monthly amortization and loan fees, your shopping trips and lifestyle habits each payday may overpower your obligations. You have to consider other areas of your life. You may have to spend more on others so make sure getting a house doesn’t mean you have to sacrifice your priorities in life.

Truth #2: Credibility is important in credit.

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When you get a loan, you need signatories. The people you plan to include as signatories will serve as your referral.

Banks will ask you for guarantors, who will pay the fees and debts on your behalf during bankruptcy. Looking for the right people who will fit the bill is difficult. It requires trust from both ends. You need to establish good credit history so people can make sure you won’t fail to meet obligations. Their doubt level will be less and people will more likely accept the proposition if you are trustworthy.

At the same time, you need to choose people you can trust. Some people want to have their financial activities under wraps. Thus, include individuals who are responsible when it comes to personal information. Most of all, choose someone who accepts to be your fallback in case of emergencies.

Truth #3: Knowing the taxes and fees will save your life.

know the taxes and fees

Advertisements, sale offers, and packages will not include the exact figures on charges, fees, and taxes.

It’s important to research these, so you know what to expect when an offer is on the table. Find out the breakdown of monthly and annual fees from close peers and relatives with a similar property. That way, you won’t be surprised of the accumulating digits as the days pass.

The initial payments are the property reservation fee, monthly down payment, tax and spot bank charges from the bank. There’s also the closing sale costs which may not be divulged by your broker until later. It’s advisable to have at least 20% of the down payment price saved for these purposes.

Truth #4: Insurance is necessary.

insurance is needed

Insurance is helpful especially for events beyond your control. Fire, indoor flooding, and earthquake are accidents waiting to happen. There’s no particular time and day for these activities.

Signing up for an insurance gives a sense of security as it offers a buffer in case of these events. An example of insurance is the Mortgage Redemption Insurance (MRI) which is part of what you pay when acquiring a housing loan. The insurance will cover the family’s daily expenses in case of death and disability of the borrower. There are other benefits to MRI, but you also have to see if the coverage of the policy works for you. It’s important to have insurance that is greater than the asset value.

Same as other life goals, home buying has steps to follow. You need to have the determination to build you cushion fund. You must be ready for the responsibility of maintaining a property. You must get a hold of yourself and make a strong financial history. You need to understand the terms and conditions of the payment and insurance policy.

Buying a home is not a walk in the park, but getting a dream home as a young adult will bring the park at a close distance.

Perks of Residing Near Your School and Work

man walking near home

The students just started this school year, and our ever-hard-working laborers are still working year-round, as usual. For many of us, travel going back and forth to our school and work is such a hassle. Imagine being stuck in traffic and you have a class at 8 in the morning, or have a meeting at 1 in the afternoon. You might have left your house three or four hours earlier, but it just won’t do. Unlike the people who are in a condo for rent in Makati, they don’t seem to have any problem if their school or workplace is just near their place.

To give you more of the mentioned above, here are some of the perks if you are residing near your school or work:

You are well-rested

It means no alarm four of five hours before you need to leave home. Thus you have extra time to sleep. You can do many things at home after school or work. You may be tired, but you still have a lot of time to do whatever you want or gain energy thru having a good rest. Isn’t it lovely?

Less time on the road

Given that the traffic in the Metro, well actually everywhere in the Philippines, brings out the worst in us, you will do anything just to get out of that trap. Having less time on the road is just pure nirvana we are all aiming for. Moreover, you are saving a lot of money and energy if you just live a few blocks away from school or work. You can walk for a few minutes or go bike, a workout that you can do in your daily life.

You can go back and forth to your place quickly

If you accidentally left something at home, you can get it and be back at your school or workplace in a jiffy. You can also spend long breaks at home, be at ease knowing that you can get no traffic. Hooray!

Feel free to invite friends and colleagues to come at your place

If you need to do projects or merely for bonding, you can have your friends and colleagues to come at home. It will be very easy for your group to go since it’s just around your area (school or office). It is also economical to hang out or spend your vacant in a house than renting a hotel, go out to eat at a fancy resto, etc. You can have your people swim (ask permission or sign them as guests) in your condo’s pool and cook scrumptious food at home. Having quality time with friends and at the same time being practical with your choices have never been this easy.

If there’s any emergency at home, you can easily storm your way

You get to your school or office around 10 to 15 minutes of walk, and if there’s an emergency, you could surely fly your way for like 5 minutes or less. Might be exaggerated but the fact the whenever someone needs your help or the like, you can quickly excuse yourself (and it’s reasonable).

More time for yourself and family

Given that you are just a few blocks away, you have less time on the road and more with your family, and to yourself of course. Work-life balance seems easier to do if you choose to live near your workplace or school, or vice versa.

Does it speak to you on a personal level? Well, it’s either a calling that you should consider moving somewhere near your current school or workplace or affirmation that your decision to live in a condo in Makati is an excellent choice. Whatever it is, I hope I was able to showcase the little perks you can have if you reside near your school or workplace.

How to Beautify a Big Blank Wall

art-gallery-wall-gallerywall

Whether you realize it or not, there will always be a beauty in a big blank and clean wall. Agree? Of course, this is the time when you can actively and creatively imagine what things to put to fill in your big empty wall. For some, this is one of the common problems they faced especially when they don’t know anything about decorating at all. However, when you know what you are going to do with your wall, then a wall décor challenge is just a piece of cake.

It does not matter if you are living in a real estate Cebu, decorating your wall is one of the things you can do to make your wall look good. Well, if you don’t have any idea at all on what you’re supposed to do aside from the typical paintings we have on our wall, then below are some simple and doable examples you can apply.

Build a bookshelf

If you have a lot of things or books yet you don’t have enough space in your home, then you might want to have a bookshelf installed on your wall. Instead of having or putting decorations, make the bookshelf as part of the decorations you have on your wall. With that, you’re not just saving up more space but also, you just made a great and stylish way to have a bookshelf.

Installation of bookshelf may be hard on your part. Of course, you also have to make sure that the shelves are properly installed on the wall to have a good and durable base.

Statement art

Aside from the pictures and paintings, you can also have statement art on your wall.  Installing a striking piece of statement art can be eye-catching to the viewers. Moreover, isn’t it nice to wake up in the morning with a piece of interesting piece of art on your wall?  Well, hanging one or two statement arts on your wall would be enough.

Wall coverings

One of the struggles most homeowners have is that they don’t have anything to decorate at all. Perhaps, they are one of those homeowners who invest in a property with no furniture to fill the empty spaces yet. Well, you can go with wall coverings or wallpapers. Fret not! Wallpapers are easy to install on your walls. You just have to make sure that there will be no lumps on the surface.

There are a lot of styles when it comes to wallpapers.  And it will always be up to you on what style of wallpaper you want to use.

The gallery wall

If you are a kind of person who likes to take pictures or paintings, then the gallery wall might suit your taste. You can have your wall combined with your photos and paintings with different sizes and color and framed or unframed artwork. You can also fill your wall with textiles and other wall decals. Of course, it is also important for you to consider mix matching your decals on the paintings of your wall. Make sure that the color and shapes, sizes can go along with your wall.

If you are not sure about the color combinations, then you can go neutral yet bold, sophisticated and creative in many ways.

Decorating your wall will always depend on what you want to do or have on your wall. Before you can decide on what kind of decorations you want for your wall, you also have to consider about whether your wall and the decorations are incorporated or not. If not, then you have to find ways on how you can mix and match your decals to your walls without compromising its quality.

 

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