How to *Think* about buying a house

If you know me in person, I probably would have told you this, I want to work hard so that I can buy my own place and finally get another dog! Childish? Maybe. I’ve been saying this, in addition, telling people I want to travel overseas to London and Europe…which is probably off the cards for the next few months. I’ve said it for a long time and one of the reasons why I haven’t got there yet is because I have procrastinated and not done much research on how to buy a house :(.

I don’t know how other people seem to have got there so fast! Maybe it is because I am picky and because I want to save up as much as I can for that initial deposit and get a decent house… There are so many things to consider! Asides from having to have a stable income to be able to pay the mortgage for the house, you also need a good credit score. It might be also beneficial to get a mortgage broker to help you liaise with mortgage lenders to get you the best rate that you can get.

You also have to research a good place to buy a property and also consider things that are around the property such as which schools that property is zoned for. You might not have kids of your own, but if you ever want to resell, you could get a higher price if you are in the zone of a good school. I think it is important to consider buying a property that will increase in value over time and not depreciate…Otherwise, you might be selling at a loss if you have to ever move for whatever reason 😦

For the type of house, you probably don’t want to invest in an apartment or a one room unit, as they will be difficult to resell later on and you may even lose money in the process. I have also read it is not advisable to purchase a house that hasn’t been built yet! They could end up dodgy or not what you expected… Personally, I don’t want a house that requires a lot of work to be done on it…because with that money I could have gotten a better property for a bit extra that didn’t require so much work. Because I am lazy and I also probably won’t know what I am doing.

There is so much to think about, how did my parents manage to do that? I suppose it was different for them, house prices were lower and they had help from my dad’s parents. I remember when we were house hunting for the house we currently live in. My parents asked me for my opinion of the house and I still remember saying, “I like the tiles in the bathroom, let’s get it”  and we got it. I am still very picky about the bathrooms to this day and YES it will still determine whether I get a particular house or not.

Oh, the joys of adulting. Earning your own money finally, but it never seems enough. It’s more than you ever had, but it STILL isn’t enough to afford a house in this day and age :(. Oh, the joys of millennial life 😦

Staying Fit During Covid-19

Hi All,

Thought I would like to share my personal first experience of trying to do some workout at home!! While I was quite disappointed that my gym was closed due to the pandemic, I understood that this was for not only my health, but the health of many others too. I have to admit, I was hoping the Covid-19 restrictions would only last a few weeks or so, but it looks like it will be much longer than that! So, I had no excuse to keep putting off the exercise, just because gym was closed.

So like most things, before I start anything new or out of the ordinary for me…I asked those around me what they were doing. How many days did they work out in a week? When did they do it? Who did they do it with? What equipment did they use? It was interesting and innovative the answers that I received. From using your bed, to handbags, and hand sanitisers as weights.

So off I went yesterday. After finishing work, I changed into my sports gear as if I were about to head to the gym or badminton. Grabbed a towel from the bathroom, spread it on the bed room floor, got my laptop and placed it in an easy to see location. Typed in google and brought up Blogpilates (who I know is an online Yoga instructor from some other Youtubers) and clicked on a 14 minute yoga stretch video. I don’t want to get into the hardcore stuff yet, I am unfit and tight from not exercising properly! It was important that I put the phone away, made sure my door was closed, and didn’t stop the video. I have to admit it was a bit hard trying to keep my eyes on the screen while doing some weird position and difficult trying to copy what she was doing. But, at the end of it, I felt a lot better! I needed to do some core work outs too, so I looked up “5 minute work outs” on Youtube and got this video of a man doing 10 different exercises over 5 minutes with no break! There was planks, pushups, and other difficult stuff, but after that I was puffed out, hot, and a bit tired. It was a good work out, I think. Was tired this morning, but I had a good sleep.

I think it is really important to keep exercising amidst this time, as it is not only good for our health but also for our mental well being and SLEEP! My sleep has been so bad lately, probably because I am not using up all my excess energy before I sleep :(. I am going to aim to do exercises at home 3-4 times a week and continue my daily walks during lunch breaks. I hope you can find some time to schedule in some exercise in your schedule too!

Take care and stay safe.

PS: I gave into FOMO and bought an expensive yoga mat from Ebay.. xD Hopefully it arrives before the gym reopens!!

JL