Year 1 of Home Ownership

house

July 7, 2018 marks a year of home ownership which has been a whirlwind and full of lessons and great experiences! I wanted to take this time to dedicate my next few posts things that I’ve learned and experiences I’ve had while going through the process.

Building a Home

Building a home was a great experience where you are able to choose your lot, your finishes, and experience the process from the ground up but it also includes a very steep learning curve because not many people are versed in this process. Financing, deposits, insurance, taxes, and so much more have made this an exhilarating learning process. Here is a quick snapshot of the different options you have when buying a home.

  1. Options
    • Buying an existing home
      • Make sure that you take the time to have a home inspection done on the home because you want to protect yourself as much as possible from any defects that have not been disclosed. (Note– still doesn’t protect you from things behind the wall)
    • Building a home in an established community (My option)
      • Take the time to see what the incentives are, the builder warranty, and selecting your floorplan and lot. (important to understand lot premiums that you will pay on desired lots and the upfront money you will need to provide in order to start the process and secure your lot (it applies to your closing costs in the end))
    • Building a home on a lot you have purchased
      • You will need to first purchase a lot that is for sale, contact a builder, work with that builder and architect to create a customer floorplan for the home, select finishes, manage the building process since it is not regulated by a community. (it is important that you find an insured builder and that you only pay deposits to start the work and not a major amount up front to prevent any fraud or loss of your money if the builder disappears.)

In my next few posts in this series, I will discuss the process of adding value to your home, tax exemptions, and the fun part for most people….decor.

As always, Be Fearlessly Authentic!

-Reba J.

Female Independence…What’s the big deal?

So as I’ve been working on my goals and trying to push forward in my God given purpose I’ve been hearing a lot about my choices and how they will effect my ability “to get” a husband. The craziest thing is that I hear this more from females than I do from men. This really made me think about what society is telling our girls and women.

So this all started with me working towards purchasing a home. Somehow this will ruin my chances of “getting” a husband because “What will your husband be able to do for you?”. This is where I guess my mindset is much different…imagine a female having he “stuff” together and meeting a man who also has his “stuff” together (Note: Have the characteristics that you expect to see in a spouse) then that allows both parties to merge their respective “stuff” and build an empire together. I have always been taught that you should have your own passion, goals, and accomplishments and in the process of achieving those goals your soulmate will find you.

I guess I just wanted to reassure women who are constantly hearing that they need a man to achieve some major life goals such as buying a home, starting your own business, traveling, etc. that you should know that if it is something that you’re passionate about you should pursue it on your own and you never know, during that process of self progression you may find your mate. Think about it, if you have a home and your mate has a home then when you all get together you could use both of those homes as rental property while purchasing a home together. This allows you to come into a relationship with equity that can benefit your union. Also if you want your doctorate degree or want a leadership position at work, go for it….don’t let people make you think that by having that status in your career that it will make it impossible for you to date. Don’t think that you have to downplay your MAGIC in order to keep a man. Any man who really wants a wife will want one who has something to offer and who he can build an empire with as PARTNERS.

I hope this helps someone who has been dimming their light in order to keep or get a man. Remember you are strong, beautiful and you should always Be Fearlessly Authentic!

~Be Fearlessly Authentic~

Reba J.