Happy New Year everyone! I can’t believe I haven’t posted ALL YEAR. How lazy of me.. XD
I just completely forgot that I haven’t blogged for awhile, I keep thinking I did…but like a lot of things in my life…I started out strong, then fizzled out, and now restarting. It’s the end result that matters right?
To say this week has been hectic is an understatement and I have slipped. back into some unhealthy habits :(.
My sleep has been so SHIT lately…I put it due to the hot weather (it is summer here), the late night HOON driving that continues to 1-2 am…I don’t even call the cops anymore as it has made ZERO difference. I just am hanging on to the hope that I will be able to move places soon. I was hanging on from moving, because I still hadn’t recieved my drivers license in the mail. LONG STORY SHORT, they never posted it…and I was waiting for over a month for it…it is only when I sent THEM an enquiry to why it was taking so long that I found out that apaprently they fcked. up my photo and didn’t even bother telling me. Apparently I have to go in there to take a photo and they are unable to give me a license without retaking my photo, EVEN THOUGH they were the ones who took my photo. Vic ROADS SUCKS. VIC POLICE SUCKS. and VIC REAL ESTATE Agents SUCK. I sound like an angry person, but I guess I am comparing this to my home town in Adelaide where I haven’t had to deal with these issues. LE SIGH.
Enough WHINGING! Anyways, in other news! It’s decided. I am planning to move in the next few months! Instead of renting this time, I am on the look out for HOUSE TO BUY. When probably can’t afford a proper house yet, but a TOWNHOUSE!! I don’t know why, but I am in love with town houses..! It just feels so quaint, cute, and comfortable to have a 2-storey house that maximises space and utilises space well. I don’t have anything against single storey units, but it’s just something about town houses that make me want to buy one…hahah the one I have my eyes set on has an asking price of $490000 to $520000…which sadly is out of my original budget…BUT hopefully fingers crossed I will be able to sort out finances prior to the auction at the end of the month. I have been talking to banks directly and bypassing the mortgage broker. It just takes TOO LONG with my mortgage broker…I am just going to do more research on my own and from what I can see, it doesn’t make much difference in terms of cost.
I feel like most things can be done on your own, but most people are probably too lazy to make the effort to do it on their own…
I am so excited to get a place!! But first have to jump the hurdle of getting a PRE-APPROVAL first…I don’t have a 20% deposit saved up yet sadly… coz I put some money into shares…and lost some money…
But the longer I rent, the more I am paying for someone else’s mortgage…
I inspected 5 properties today (I am exhausted!) but narrowed it down to 2 properties and one in particular I am hoping to buy. Both have their perks and down falls.
- Single story unit.
Good: More land and garden space. Great for a dog as fenced…seems like they have a dog! As there was a dog kernel. The living room and outside space is really nice! The garage is oversized and can fit more tha one car easily! The house is in a pretty decent suburb and it is hidden at the back of a group of 6 units ((Good and bad thing). Apparently it is near a farm area, so there may be many big trucks driving stock in and out…Also not sure about hayfever?!?! It is also close to work and is safer than the other property..probably higher resell value and rental value.
Bad: There is only one toielt an it was broken…The doors keep slamming when the windows are open. Saw some cobwebs in the window…The garage was really messy. This has a higher asking price of 50,0000 to 550000. Strata fees are around $800 a year. It can also be a bit hard to find the entrance to this house as it is at the back of a series of units…
2. Two storey town house:
Good: Newer than the single story unit and was quite well kept upon inspection. It looks great for a first house as the garden looks easy to maintain. There are just properties around the area. The BIR in both rooms look more modern and for the MAIN bedroom it has a really neat mini desk inside the WIR. It has a nice bathroom and I especially love the sink in the bathroom. The garden is really nice with a bench for entertaining outside..there was also a BBQ and a Water tank… (I am not sure if these stay if they get sold)? Two sheds and a built in clothes hanger. There are aircons in both rooms and also in the loung room. Strata was abou $300 per quarter ? or was it per year.??!?!
Bad: It is in a ‘bad suburb’ that is known for the lower SES in the past. There is not many schools nearby…There are a lot of migrants in the neighbour hood and people say that there is many burglaries in the past and that it is not safe to go out walking at night on your own. There is less space upstairs…For the same price i could possibly get a three bedroom unit in the same neighbour hood.. I need to check if there are security camers for this place…as I want to feel safe!!!!!!!!
My aunty and uncle who own a few properties already have advised me to drive down to that neighbour hood during night and during the day to see what sort of neighbours and people who live there and to check sound levels…which I will do at some stage.
Other than that, it’s back to the banks to ask if I can loan more money…
Wish me luck.
I will keep you posted!
Adulting is so tiring…after all those inspections, video chatted with aunty and uncle, then 1 hour meeting with a BANK representative… I took a 2 hour nap and ate the rest of the green ice cream for dinner. Covid cases have started up again and there was as local outbreak at the shopping centre I normally go to…so I have been trying not to do groceries there and only go to the one near my work instead…HOWEVER it means I can’t just get groceries that easily anymore :(.
Fingers crossed we will not have to do a lockdown again :(. Masks are mandatory indoors again..but TBH that never changed for me anyways as I work in a hospital.
Take care and stay safe peeps.