10 Quotes on a Twenty-Somethings’ Journey to Finding Home

Home can mean different things. It can be a Lerato for rent condo, a suite in Holiday Inn, or a villa in Quezon City.

Whatever it is, different things make us feel that we are homeSometimes, we feel that home is where we spent our childhood. It can also be where we found our partner or where we forged friendships. But because of time and the winds of change, we are forced to leave the place we love and a new one.

If you’ve been away from home for some time and you don’t know where it is anymore, here are some quotes that describe how it feels to leave home in your twenties and come back again.

 

  1. The moment you left your humble home for a rental.

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“After you leave home, you may find yourself feeling homesick, even if you have a new home that has nicer wallpaper and a more efficient dishwasher than the home in which you grew up.” 

– Lemony Snicket

 

 

  1. When you’re denying you aren’t lonely but deep down want to come back.

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“Home is not where you live but where they understand you.” 

– Christian Morgenstern

 

  1. The inner-battle of self-sacrifice and freedom.

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“I used to dream about escaping my ordinary life, but my life was never ordinary. I had simply failed to notice how extraordinary it was. Likewise, I never imagined that home might be something I would miss.”

― Ransom Riggs, Miss Peregrine’s Home for Peculiar Children

 

  1. When you decided to not return to the place where you don’t have to pay rent and mortgage because you found “home” in your significant other’s arms.

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“Home wasn’t a set house, or a single town on a map. It was wherever the people who loved you were, whenever you were together. Not a place, but a moment, and then another, building on each other like bricks to create a solid shelter that you take with you for your entire life, wherever you may go.”

― Sarah Dessen, What Happened to Goodbye

 

  1. But your relationship didn’t last long, and going home feels like the only way to ease your heartache.

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“The desire to go home is the desire to be whole, to know where you are, to be the point of intersection of all the lines drawn through all the stars, to be the constellation-maker and the center of the world, that center called love. To awaken from sleep, to rest from awakening, to tame the animal, to let the soul go wild, to shelter in darkness and blaze with light, to cease to speak and be perfectly understood.”

― Rebecca Solnit, Storming the Gates of Paradise: Landscapes for Politics

 

  1. Fortunately, it’s perfectly fine to come back.

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“The ache for home lives in all of us. The safe place where we can go as we are and not be questioned.”

― Maya Angelou, All God’s Children Need Traveling Shoes

 

  1. Besides the hardships of being a twenty-something from career, dating to finances, don’t lose hope.

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“Home isn’t a place, it’s a feeling.”

― Cecelia Ahern, Love, Rosie

 

  1. You still have your parents, relatives and supportive friends. Chin up and live in the moment. You still have a lot of time ahead of you.

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“Well, sometimes home is a person.”

― Beth Revis, A Million Suns

 

  1. The right person will come to sweep you off your feet and accept you for who you are. This person will make a home out of nothing and will make it seem that every place, as long as you are together, is home.

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“Home is the nicest word there is.”

― Laura Ingalls Wilder

 

  1. He or she will tame your rebel heart and make you see you and your family’s worth in your life. It will make you understand what home really is.

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“I don’t care if we have our house, or a cliff ledge, or a cardboard box. Home is wherever we all are, together,”

― James Patterson

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Happy Neighborhoods: The Four Best Reasons to Cultivate a Relationship with Your Neighbors

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“Geography has made us neighbors. History has made us friends. Economics has made us partners and necessity has made us allies. Those whom God has so joined together, let no man put asunder.” –John F. Kennedy
A familiar but wise adage has once said that in the prospect of closing a deal on a residential property you would soon call your own, it is best to ask about the neighbors first before buying the home. After all, you can make all the necessary changes you possibly can in your home. But it would be almost next to impossible to change your neighbors. In this regard, fostering a good relationship with your neighbors should be one of your primary considerations when you move into a neighborhood. Having strong relations with your neighbors cultivates a sense of oneness and bond in the neighborhood and is the initial step towards becoming a better community.

Today, with technological innovations and advancements dominating the world, it can be rather easy to live in our own little bubble and interact with the rest of the world from the screen of your desktops or mobile phones. However, this would be counter intuitive to a strong community wherein the residents interact. Unfortunately, this presents the reality today. You can live a mere feet away from your neighbors for decades only to never learn their name. This is especially prevalent in condominium and apartment complexes where neighbors barely interact with each other at all and would instead go straight to their units from a tiresome day at work.
However, regardless of whether you are living in flats such as in Avida Settings Alviera or an apartment complex, fostering a good relationship with the people living in proximity to you is paramount. Here are the most compelling reasons why:

1.) You can count on them

One of the best reasons why you should develop a friendly relationship with your neighbors has something to do with safety. The deeper the bond you have with them, the more inclined they will be to alert you in any case of emergency of trouble. Should there be an attempted burglary in your homes, a tampering of your car, smoke coming out from your kitchen or even an unidentified person trying to gain entry, you can count on your friendly neighbors to give you a head’s up. Even better, you can rely on them to call the police on your behalf as well.

2.) You can borrow from them

There are times wherein you might need a stick of butter, a cup of sugar, a pair of garden shears or even, an extra pair of hands to help you out. If you have a good relationship with your neighbors, they will be more than happy to oblige your request or even let you borrow whatever it is that you need. In this regard, they would also expect that you would do the same thing for them in their time of need. While you are free to borrow pretty much anything from your neighbor, be sure to return it. However, refrain from borrowing cash—that is one way to immediately sour your relationship with your neighbors should you default on payment.

3.) Help when needed

One of the excellent things about having a good relationship with your neighbors is knowing that you can count on them whenever you do need something. As we cannot plan for every possibility, it would be very much assuring to know that you can always get yourself out of a snag in the community with the help of your neighbors. From home lockouts to dead car batteries, you can always ask for your neighbor’s assistance in giving your car a quick jump or calling the locksmith to provide you with access to your homes.

4.) Stand-in babysitter

Do you have a date night planned with your partner? Well, all is well and good so long as you can find someone who can watch the kids while you and your spouse are out. Unfortunately, competent and trustworthy babysitters are somewhat hard to come by nowadays. However, if you trust your neighbors and have developed a bond with them, they would be very much happy to watch the kids for you while you are gone. If they have teenagers who are in need of extra cash, you might find that you would not even need to call a professional babysitting service at all and just employ them to watch your kids. Be sure to compensate them for their time, however—regardless of how happy they are to help. Your neighbors should not feel like they are taken advantage of and one way of ensuring that does not happen is giving them pecuniary compensation for their time and efforts.

 

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Home Living: What Every Couple Should Ask Before Buying a Home

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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 the relationship” –Emily Yoffe

 

You are in love and you suppose that you are ready to take your relationship to the next level. Why not move in together, right?

Sure, moving in and living under the same roof might sound like just the start of a blissful journey. But it can easily go south for the both of you. On the plus side, it might mean lesser outlays as you would have to jointly spend on any expenses you might have. Furthermore, it basically means waking up next to your significant other for the rest of your mornings. Based on all that, it could only be a great thing, right? Well, not necessarily so. Living under one roof with your significant other without the benefit of marriage could be a double-edged sword. It might potentially open you up to issues you might never have had before, cause undue stress on your relationship which might cause your eventual breakup. The truth is, living together is still a huge responsibility for the both of you that requires a lot of forethought. It is not something you decide on a whim, but something that demands contemplation.

After all, buying a home (albeit an exciting milestone in a couple’s life) is unquestionably one of the pivotal events that would significantly change the course of a relationship. Take note: It is not always butterflies and breakfast in bed in the morning. It means disclosing credit scores, committing to mortgage payments, splitting up household payments—not exactly the best scenarios for romance, right? In any case, if you are convinced about taking this plunge with your partner, here are some of the vital things you ought to discuss before making that move. So that whether you are moving to a condo in Cebu City or elsewhere, you would both know what your responsibilities are and where you stand so as to avoid potential conflicts in the future:

 

 

What are we willing to sacrifice to make this happen?

Regardless of what your viewpoint is, living together connotes a huge sacrifice on both of your parts. Unless you are absolutely loaded, then there is a likely chance that the both of you would need to make certain concessions to turn your dream home into a reality. Would this mean staying in during Saturday nights? Foregoing new movies in favor of saving up? Whatever your compromises you might make, be sure you are willing to discuss them with your partner. Furthermore, ensure that they are on board with it as well.

What are our non-negotiables?

Take note: Your home is a joint investment. In this regard, it is best to be on the same page about what you want and what you do not with your partner. To avoid potential conflicts, establish what each of you cannot live without and then start compromising on what you want. Decide what you will never compromise on and what would be major red flags.

Are we having kids?

Sure, a single bedroom studio condo unit sounds just about right for the time being. But what if you wish to expand your family? Where are your going to put your little tot to sleep? Sure, for the first twelve months, your child can share the room with you. But what happens when you need your own privacy as well? Have an honest conversation about how you see your family growing and consequently, how much space you would eventually need for the growth.

Are we willing to do renovation work?

Apart from creating the home of your dreams now, you need to have a clear understanding of each other’s vision for your new home. Know where you want to take it in the future and what your plans would be. In this way, you would be able to alleviate future stress and mitigate the expenses—especially if you possess the foresight of where you wish to take your plans for your home in the future. Sure, a fixer-upper home might look great for your wallet right now, but would you be willing to put up with that kind of lengthy work? Moreover, do you have the patience for it? Decide what you are comfortable with and make sure your partner is okay with that as well.

What if things do not work out?

While this is a prospect no one would want to discuss, it needs to be addressed. After all, it is best to be prepared should the unthinkable ever happen—no matter how much of a downer this topic can be. In any case, if things do not work out between the two of you, what would your plan be for the home? Should you see it and split the value? Would there be a buyout agreement? While having a prenuptial agreement might not exactly be the most romantic of things to discuss, it is nevertheless a smart move. Talk to a lawyer and consider adding clauses to a prenup or post-nup so that if things get rocky in the future, both of you would hold your end of the bargain.

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House Hunting: Four Red Flags to Watch Out For When Buying a Home

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“There is something permanent, and something extremely profound in owning a home.”-Kenny Guinn

 

Buying real estate property can be a little daunting considering that there are a lot of aspects for you to ruminate over before you arrive at a decision.

Furthermore, it can be rather easy to get distracted and drawn in by a home’s visual aesthetics—so much so that you would overlook the glaring flaws in favor of these visually appealing knick-knacks. However, you should not let any of those allow you to deviate from your true purpose which is to find a home that affords maximum comfort, provides optimal functionality and is a great value for your money. Remember, granite countertops, contemporary furnishings, fresh paints and modern kitchens albeit beautiful and certainly impressive, might function as smoke and mirrors. Unless you dig deeper into your home inspection, you might not realize that you have fallen victim to a bad deal. All these because you favored visually appealing home aspects that were meant to conceal underlying home defects. In any case, you should always be vigilant when you are out house hunting lest you regret purchasing the home or make a bad deal.

Learn to distinguish whether a home that truly wishes to deliver the best deal to its prospective buyers from one that is simply overcompensating to cleverly mask its existing defects. Remember, some of these aesthetic additions might sound too good to be true and if that is the case, they usually are. They are meant to sweeten the deal so as to hasten the negotiation process. As a home buyer, you should be responsible enough to be meticulous about your potential purchases. Whether you are inspecting a townhouse for sale in Quezon City or elsewhere, here are some of the red flags you should definitely not gloss over:

 

 

Plenty of “For Sale” Signs

Apart from checking out the home itself, it would be a wise idea to survey the potential neighborhood you are going to be living in. Take a gander at the other properties; do you notice other people living in there? Or do you see a lot of boarded-up businesses and for sale signs? If the neighborhood is located in an urban area, businesses around it should be thriving or at least, open for business. If the neighborhood is suddenly experiencing a mass exodus of residents, there is a likely chance that you might not want to live in there either.

Over-packed Closet

When you are serious about a property in particular, storage should be a paramount interest of yours. In this regard, you should take note of the number of available storage spaces in the home. Open cupboards and closets and see how many of the seller’s stuff can fit inside of them. If you notice anything falling out when you open the door, then the obvious conclusion would be that the home is severely lacking in storage. However, this does not necessarily disqualify the home immediately. Try to have an accurate picture of how much stuff you actually have and compare that to the existing number of storage spaces. Determine whether it is enough before you decide on whether the home would qualify in your list.

Too many rugs

While there is nothing particularly sinister about rugs, if they are placed in unusual and unnatural places or are put in place for seemingly no reason at all, they might be hiding damaged floors. Sure, the current owners might just want something plush to step their feet onto, but it would still be a good idea to see what is underneath them. Cracked tiles, stains of the carpets and wood damaged by water are all no-nos. Sure, they are not exactly deal breakers, but it would be best if you know the exact condition of the home you are buying. Furthermore, flaws such as these would help you leverage the negotiation and ask for a cheaper asking price.

Neglected Neighborhoods

Neighborhoods should be properly maintained if they want to maintain a semblance of sustainability and livability. While a child’s toy here and there or a bike by the lawn would be understandable, properties with overgrown lawns or garbage bins overflowing with garbage are clear signs of total neglect. This means that your neighbors do not care enough about the neighborhood and that the community itself does not practice proper maintenance. This is a major red flag as the neighborhood might not be the kind of place you had initially expected. After all, it does not seem like the very best place for raising a family nor does it have that welcoming ambiance that you are seeking for.

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Stress-free Moves: Five Excellent Tips to Protect Your Move

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“Around here, we do not look backwards for very long…We keep moving forward, opening up new doors and doing new things because we are curious…and curiosity keeps leading us down new paths.” –Walt Disney

Moving to a new home is an exciting prospect.

The thrill of being in a new neighborhood, starting a new life and mingling with neighbors that could potentially be your new friends are all excellent likelihoods to look forward to. However, moving can possibly be a complicated process fraught with issues and dilemmas that can put a damper and a pall to what would have otherwise been a seamless journey. Not to worry, however, as this is precisely why there are moving companies—to facilitate a more efficient move. However, you should not just arbitrarily go with the first moving company you come across. You have to be a little bit through and meticulous in your selection of a move as you can never be too careful. Exercise caution and protect yourself from fraud in a myriad of ways. Initially, you can do this by exercising a little diligence in the selection of a moving company.

After all, you cannot entrust a lifetime’s worth of belongings just to anyone. What would happen if your mover decided not to show up? Or worse, what if they ran away with your stuff? Well, to prevent such scenarios from happening, here are some of the tips to keep in mind if you wish to protect your move. So that whether you are moving to a new unit in Avida Settings Cavite or elsewhere, your lifetime’s worth of belongings is adequately protected:

1.) Choose your mover carefully

Much like it was stated above; do not just randomly hire anyone to handle your precious possessions. Your first step after deciding the move should be to look for a reputable and trustworthy moving company. In fact, this might even be considered as a pivotal step when it comes to protecting your moves. Scams and rogue movers can be avoided if you check to see if the moving company you are considering is licensed. Furthermore, it would not hurt to read some reviews as regards the company and get some referrals as well. Ideally, you should obtain at least three different quotes from various moving companies. Choose the one that works best for you and your budget.

2.) Research what valuation coverage covers and does not cover

Before anything else, know that valuation coverage is a lot different from moving insurance. So, before your move, you should already have an idea of what valuation coverage is; what it does and more importantly, what it does not cover. Do not assume that it would cover all of your belongings during a move. To illustrate, valuation coverage might not include those belongings of yours that were damaged by fortuitous events (i.e., natural causes), or it might be a lot more challenging to make a claim against a moving company if you had packed your belongings on your own and in your own boxes.

3.) Consider purchasing additional moving insurance

No matter your mover’s level of liability, you should still consider purchasing additional moving insurance. This cannot be stressed enough as, after all, it is so much better to be safe than sorry. In this regard, the additional protection will help you breathe a little easier knowing that your belongings are adequately covered. Moreover, as valuation coverage is limited and in no case would provide you with full compensation for any item damaged or lost, any type of moving insurance through a third-party insurance company is sure to come in handy. This is especially useful when you are planning to move incredibly precious and valuable items.

4.) Take photos of all of your belongings before moving

With the innumerable stuff and belongings you have, it can be somewhat hard to keep track of what they are all. To ensure you do not miss anything, make an inventory before packing any of it by taking photos of it. Apart from having your belongings itemized, it would also help you make a claim should any of your items be damaged simply by showing a before and after photo of the said item. They make for stronger and more plausible cases and would serve as evidence should you need to hold the movers accountable for their actions.

5.) Pack carefully and strategically

While it might be tempting to leave everything up to your movers, packing is still your responsibility and ensuring that everything is secure for the move should be a priority of yours. One of the ways to protect your move is to have a strategic approach towards packing your items. Sort them into fragile and non-fragile ones and label them accordingly. Furthermore, you can prevent potential damage during transit by ensuring that you pack them as securely as possible. Lastly, using the right boxes, protective materials and packing supplies can go a long way.

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Moving 101: Five Ways to Prepare Your Kids for a Move

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“Moving to a new place is like starting a new life; nobody knows who you are so it is like a new beginning for you. A fresh start.” –Author Unknown

 

Moving can be a double-edged sword—especially for kids who are too young to understand why the transition and why it is necessary.

It can be both an exciting and frustrating prospect for the family. But, it can also be an avenue for understanding by explaining to your kids what the move is about and why you need to do it. Do not be surprised though, the moment you announce your plans, you will inevitably be met with a barrage of questions.

“But what about my friends? What about my bed?”

“What about my school?”

These are the sort of questions you can expect once they see you packing and sorting household items. Indulge their curiosity but be honest in doing so. Whether you are relocating to Ametta Place in order to expand your family or downsizing your home to make up for your finances, make it clear to them why the move is essential. Expectedly, you are going to be met with a lot of protests as well as resistance. After all, when your kids have spent a reasonable chunk of their childhood in your previous home, they are likely to get exponentially attached to it (and its respective memories) over the years.

However, you can always opt to mitigate this occurrence by gently easing your children to the idea of the move. Do not immediately tell them about your moving plans or even the fact that you are transferring houses the moment you decide upon it or else you will have to endure days or even weeks of tears and repetitive questions.
In any case, if you are planning that big move, here are some things you might want to know before telling them about the move:

1.) Have a plan

Before letting your children know about the move, consider having a plan as to how you and your spouse would broach the subject. Explain it to them in terms that they would be able to comprehend. If you are looking to cut down expenses, they would certainly not understand that. Instead, talk about how the move is necessary because you need money for their school, meals and the like. Moreover, tell them that their toys and all your personal belongings can come with you but how the floor, lights, windows, etc., cannot. In the same regard, let them know that your house will have a new family who will love it just the same.

2.) Involve the kids

To ease your kids into the idea of the move, have them help you with the things you need to do prior to the move. Ask them to help you pack and likewise, give them a role when it comes to house hunting. Show them all the potential houses you have considered, let them tag along on viewings and ask them for opinions on the new home. Moreover, it is imperative that you ask them what they like and dislike about the new home. Once you have finally chosen a place to settle in, be sure to have some time to explore the neighborhood with your kids.

3.) Be positive

No matter how sound the move might be (or how strong your resolve about it is), you will inescapably encounter some misgivings that might cause you to think twice about your decision. Of course, after living in your old home for quite a while, you would come to think about the things and aspects you once loved about it. You have put so much into it that it can be rather hard to leave. While these are sentiments you can choose to tell your kids, make sure to end your spiel on a high note. Do not make them feel as if you are unsure about the move and make the overall vibe ooze with positivity and confidence. Remember, if you wavered on your decision and worried about it, your kids will know.

4.) Save memories

Whenever possible, try to take a piece of your old house with you and incorporate this into your new house. This can be in the form of an old door, windows or the like. In this way, your children would feel as if an element of your old home is still present in your new one and would adjust better to your new home. However, if you do not have an actual physical piece that you can save, then at least take a myriad of photos of your old home which you would then collate and turn into a scrapbook. Let your children take their own photos as well. Photos are not limited to the house. It can include anything important from the school, friends, and other places in the neighborhood as well.

5.) Maintain your routine

Routines are important—, especially to your younger kids. It gives them a feeling of familiarity and a semblance of their old life. With this in mind, maintain the typical patterns you once had in your old home and regularly do them (as much as possible) before, during and after the move. This can involve anything from bedtime routines, library day, pancake Sundays to just about anything that would provide familiarity, comfort, and reassurance to your younger kids.

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Home Offices: Five Tips and Techniques for Productivity When Working from Home

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“The key is not to prioritize what is on your schedule but to schedule your priorities.” –Stephen Covey

Today, with more and more freelancing careers and jobs available, more and more individuals have elected to work from home.

While it is true that a home office does not exactly afford you the conveniences of a conventional office, it allows you the unique leverage of being flexible with your own time. Unfortunately, this can be both bane and boon. After all, imagine working in a place where the bedroom is pretty much accessible all the time and where you might potentially get distracted from time to time. As a result, most individuals who work from home have faced the distinctive predicament of balancing their work productivity and their home life. It is precisely this dilemma that prevents some individuals from either, producing quality work or finishing all their tasks on time. With this in consideration, it is best to reconcile your work priorities (in conjunction with fixing your schedule) with your daily routine at home.

Indeed, working from home sounds like a dream, but it is not as easy as some think it to be. If you have ever decided on installing a home office—whether that may be in an empire east condo or elsewhere, here are some of the things you ought to keep in mind in staying productive:

1.) Keep your workspace and personal space separate

It has always been a well-regarded fact that you should separate your work life from your personal one. In the same regard, your workspace should not encroach your personal space and vice versa. Doing so will create a vicious cycle wherein you cannot distinguish one from the other which would be counterintuitive to your productivity endeavor. Watching Netflix while you are working is an easy avenue for distraction and your efficiency would suffer as a result. Allocating time to one or the other would be more difficult. With this in mind, ensure that you create an environment that has a boundary (either mentally or physically). Designate it for work and only allow items required for the completion of such to be there. This means you should probably not put a TV in and block all the streaming websites from your computer when it is work hours.

2.) Organize the clutter

Some people have found that they can work better amidst the clutter. In fact, it seems as if they have formed a unique affinity to it that they could not function without a semblance of disarray on their desks. However, even if you do love clutter, you should still consider organizing it. Apart from creating a more conducive work environment, it helps you locate your work essentials better. Purge your desk from all the things you do not need—this includes papers and documents that need recycling. Find homes for your pencils and pens and while we are at that, organize the files in your desktop as well.

3.) Get dressed for success

Even while you are working from home and not entertaining any clients otherwise, it would still be best if you got up and got dressed for success. Why? It puts you in the right mindset. If you persistently work from home wearing the clothes you slept in, then you are definitely doing it wrong. Make it a habit of waking up early and getting dressed as if you were heading to a meeting or working in an office. It helps you get your mind on track and have your gears set and ready for the day. After all, an integral aspect of ensuring that things get done is having the appropriate mindset for it.

4.) Designate working hours

To legitimately feel like you are working, designate working hours and do not just designate them for show, dedicate them to work tasks solely. In the time frame, you allow yourself to work, do not allow yourself to get waylaid by distractions and focus on the task at hand. Much like how an office sets working hours for their employees, so should you for yourself. If you are living with your spouse or children with you, ask them not to disturb you (save for emergencies) during your designated working hours. Lastly, do not cut time—especially if you are not yet done. Only allow yourself an early work dismissal if you are already done with everything you are supposed to do. Until then, work and focus.

5.) Ditch your phone

On designated working hours, put your phone away to minimize distractions. Having your phone with you means you welcome distractions—whether that may be from a call from an old friend or sending a Youtube video to your wife. In this regard, you do not have to work very hard not to be tempted. Moreover, having your phone with you means you can easily access social media websites such as Instagram and Facebook—a counterintuitive measure when it comes to productivity. Sure, you might argue that you can multitask, but you are only deluding yourself. You might be doing a myriad of things at once, but your mind can only ever focus on one thing. Furthermore, if you wish to produce quality work, it is better not to divide your attention and concentration.

Indeed, while working at home is akin to opening yourself up to a myriad of distractions, it is nonetheless possible. You can still be productive even when you are working from a makeshift office. However, it requires a little more commitment, discipline, and determination on your part. After all, as according to Robin S. Sharma, productivity is actually less about what you do with your time. But rather, more about how you run your mind. Integrate the tips above into your daily work routine, and you will see a significant improvement in your productivity. After all, you might just be working from home in a makeshift office, but that does not make the work required (and produced) any less real.

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Smart Investments: Four Things You Should Do Before Buying a Home

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“There is something permanent, and something extremely profound in owning a home.”-Kenny Guinn

 

Owning a home is known as one of the well-regarded milestones in life—so much so that it is in fact, considered a keystone of wealth and stability.

There is much to be said about finally purchasing your own home and the myriad of feelings that come associated with it. Accomplished and successful are just a few of the words described used to accord this momentous milestone, but it cannot be argued that purchasing and owning a home is one of the many dreams of many individuals. Why? Because apart from being the most significant investment you will probably make in your life, owning a home is commonly regarded as a hallmark of a truly financially responsible adult. Moreover, purchasing a home is not something any (or every) average working individual can do. In fact, even just saving for the first down payment itself would be considered a feat by many blue collared workers who would live paycheck to paycheck just to finally attain that dream. With all these considered, it is only inevitable for one to be a bit more thorough and meticulous when it comes to scouring the real estate market for prospective properties. After all, if you are going to be pouring in a significant chunk of your savings into this investment, then it is vital to get not only the right home but the right price with the right financing as well.

After all, there are only a few things in this world that is more expensive than a house. Fact is you might probably just be spending for one home in your lifetime.  To successfully find the right home for you, a lot of preparation is required. The logistics in doing so is not something you can accomplish within a month. In fact, it makes the most sense to start years before you are actually ready to buy that home. However, for practical reasons, most individuals would not plan nor think that too far ahead. However, whether you are looking to buy a lot for sale in Angeles City in the next two years or sooner, here are some of the things you can do to ensure that the process goes as effortlessly as possible:

Start Saving

Whether you are planning to buy a home three or five years from now, so long as it is a definite plan of yours, you should definitely start saving for that home now. Sure, there might be a myriad of programs designed for first-time homebuyers to afford low down payments and with flexible payment schemes. However, even if these offers seem enticing, it is always best if you came up with a down payment. In that regard, at least you can show your future lenders that you are a financially responsible individual. Try to aim for at least 10% of the total purchase cost (aiming for more is better). Take note: The more money you put in for down payment, the bigger your breathing room in terms of payments would be.

Be aggressive

It does not matter whether this is your first or sixth house, if you have quite a lot of money to invest, the odds of getting what you want are significantly increased. The moment you have finalized your decision to buy a home, make sure you have a tough stance as regards your budget. No one is asking you to lead a parsimonious life, but cut all the needless and wanton spending. Make small sacrifices such as refusing to dine out on weekends or giving up on your occasional splurges. These may seem like insignificant expenses, but if you stacked them altogether, you would see how your expenses would easily accumulate.

Know your budget

After you start saving, it would make sense for you to come up with a budget—a realistic one that allows you to still live your life as comfortably as you can. Remember, when it comes to buying a home, you would not only be paying for the land and the structure itself. Things such as taxes, mortgage, and monthly payments are also things you have to consider in drafting your budget. Another thing worth mentioning is that most lenders would want your mortgage payments to be no more than 28% of your monthly pay. With this in mind, you can set the upper end of your budget utilizing that same number. However, if you think this is a bit too much (especially if it wipes your savings entirely), come up with a feasible number that allows you to still live comfortably. It is imperative to come up with a number as this will ensure you would know what houses would be worth looking at and which ones you can pass over.

Be reasonable with what you want

Most people would love to live in spacious mansions but are not financially capable of affording it. In this regard, you should be realistic with what you want and reconcile that with your needs. If you have a realtor, it is important that you communicate what your wants are to them. These are the things that you can compromise on later should they be unavailable. On the other hand, you also have to make certain concessions for the things and aspects that you do not want—especially if these can be easily changed. To make this step easier, furnish your realtor with a needs and wants list. In conjunction to that, provide them with a dream house list. However, keep in mind that when a house fits in and checks all of the categories you have in mind, you have to be open to negotiating and making a few compromises here and there. Keep in mind: No one really gets their absolute dream house unless they build it from scratch. So again, be realistic, practical and flexible. Do not reject a house outward just on the basis of a  single perceived flaw. Make room for and be open to adjustments as well.

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