Becoming a Homeowner at 25

Becoming a Homeowner at 25 - Chic and Domestic
Becoming a Homeowner at 25 – Chic and Domestic

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I’m so excited to finally get around to writing this post! If you’ve been with me so far on this journey then you know that we were finally able to close on our house, just in time for Christmas.
It’s been an amazing but scary feeling to become a homeowner, but it feels great to know that we set out to achieve such a large goal, and now we can say that it’s something we can officially cross off of our list.

I always knew that I wanted to become a homeowner. More importantly, I knew that I wanted to become a homeowner sooner rather than later. After crunching the numbers and seeing just how much we were spending on rent in a year’s time, it just made more sense for us to do what we needed to do to purchase our own piece real estate. I really wanted to go from just having a place we called home, to actual home buying.

CHECK OUT “7 SIMPLE STEPS TO PURCHASE YOUR FAMILY HOME” HERE!

For me personally, I have goals to own multiple rental properties in the future, so purchasing our cozy little townhome was not only a great move for our family, but also for my future plans to turn it into an asset.

We collectively worked on our credit, because obviously credit is key if you plan to have a mortgage on your home. I have to be honest, it wasn’t like our starting point for our credit was in bad shape, but it still took some time to really get it to where we wanted it to be. In fact, my husband was basically starting at zero. Not a literal zero credit score, but he was essentially starting from the bottom with no current credit history.

It took about a year to establish a positive credit history for him, which wasn’t too hard with the help of things like secured credit cards, and self lender. His credit was around 730 by the time we finally had it pulled for our mortgage loan, which was great considering his starting point was roughly 550 with no credit history.

CHECK OUT “HOW TO BUILD AND BOOST YOUR CREDIT” HERE!

We also started to put aside a savings that was specifically for buying our home. There are a lot of expected and unexpected expenses that come with purchasing a home. A lot. You won’t always have exact number goals to save for with these expenses since a lot of things are based on the cost of your actual purchase, your location, what companies you’re using, and how your deal is negotiated. We started by saving a $1000 emergency fund, and growing a separate savings from there for purchasing our home.

CHECK OUT “HOW TO SAVE A $1000 EMERGENCY FUND” HERE!

Be on the lookout for more posts on what to look for during the process of home buying. Subscribe!

This entire dream meant everything to us. Neither of us have family around us that actually own their own home. No parents, no grandparents, none of our family members are homeowners. We really wanted to buy a house for our kids before the year was over. That was the end goal. I can’t even begin to explain the overwhelming feeling of finally bringing them home and showing them around their new rooms and really seeing the excitement on their faces.

I know that many of my subscribers (Hopefully that includes you) are interested in one day achieving this goal for their own families, and I really want to continue to share my knowledge and experience so that no matter how young you are, or what obstacles you think are in your way, you too can purchase your family home, and really build the life that you dream of.

Be sure to subscribe for more of the “From Home to Home Buying” series! Don’t miss out on more keys to becoming a homeowner, and how to achieve financial success once you get there.

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How to Improve Your Health Without Breaking the Bank

How to Improve Your Health Without Breaking the Bank - Chic and Domestic
How to Improve Your Health Without Breaking the Bank – Chic and Domestic
Not only is everyone hyper focused on their finances in the New Year, but people are also checking for their health! Which they obviously should be of course. Just like your money, health is wealth.

One of my personal goals for the New Year was to really take the time to invest the time and dedication to my health. The more I started to mentally plan for what I wanted to try to do to reach that goal the more I realized just how much your fitness and your finances go hand in hand.

1. Buy Groceries
Have you ever heard the phrase, “Abs are made in the kitchen?” well, maybe you don’t necessarily want abs, but health essentially starts, in the kitchen. Really start to plan for your grocery trips, maybe even start to enjoy grocery shopping, grab healthier food options, and slowly improve your game plan every trip. Not only will your body thank you, but your wallet will definitely appreciate the decline of your overactive swiping in your favorite local drive through line or restaurant.

2. … Actually Cook What You Bought
Hmm, yes I’m talking to you. Mr. or Ms. “I go to the store to buy fruits and veggies and still manage to let them rot while I eat pizza and take out.” I see you. I’m sure we’ve all done it, or at least I know I have countless times (shame on me!). No more of that this year. When you do your grocery shopping, actually come home and cook the delicious food that you bought. Just a really easy step to ensure that you’re giving your body the right things, and also that you’re not wasting money.

Check out my post “Meal Planning 101. How I Meal Plan for my Family of 5” to learn some tips to meal plan for your own family!

3. Make Leftovers (Or Meal Prep)
While you’re cooking those delicious healthy food options, why not plan ahead and make a little bit extra. After all, it was probably hard enough to even make it to this step if this isn’t something you’re always use to doing. Why over complicate the process when you could just do some quick and easy, lazy meal prep? Making extra means that you’ll have food on hand, healthy food at that, and it cuts down the need for you to reach for something quick and unhealthy when you’re hungry.

Be sure to subscribe and look out for a few of my easy meal prep ideas coming soon!

4. Make a Plan When Splurging
I can’t expect you to never eat out. For some people, getting out and being social is a priority for them, and the worst thing you could do during a lifestyle change is to deprive yourself completely. Something small that you can do when you know that you’ll be going out is to make a plan. Look over the menu online and find something that won’t really throw you too far off of all of your healthy progress. It also helps when you’re cautious of your coins because you can plan your outing earlier or later to catch lunch or late night specials. I’ve even gone to grab something from my favorite fast food place to treat myself, and instead of spending a few extra dollars and a lot of extra calories on a whole meal, I opted for just the entrée and made some sort of salad or fresh veggies at home. Balance!

4.5 Always grab a To Go box!
When making plans to go out, try to plan to bring home a To Go box. It helps you eat a smaller portion, and it also means you get to enjoy your splurge the following day.

5. Drink your water!
Whether you’re at home, or out to eat, drinking water is going to be both the healthiest and financially feasible option for you. Your body will thank you for hydrating it with something fresh and sugar free, and you don’t have to worry about overspending on sugary drinks with empty calories. Water, Water, Water. You can never have too much of it.

Check out the Fit Mom Fab Facebook Community here for more support on your health and fitness journey.

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5 Changes to Make to Your Personal Finances

5 Changes To Make To Your Personal Finances - Chic and Domestic
5 Changes To Make To Your Personal Finances – Chic and Domestic

Not everyone has a positive relationship with money. In fact, if we can be honest, I believe that most of us don’t have the best relationship with our money. Are we making enough? Are we spending too much? Are we investing enough? Are we saving for the right things?

I would be lying if I said that I’ve always been great with my money because I haven’t. Sometimes I overspend on things, there have been times when my budget is nonexistent, and I have spent a great amount of time living life without an emergency fund! … YEAH.

It takes a lot to really be serious and committed to your finances in the beginning, but the more positive changes that you make, the stronger your money relationship gets. Every positive step you take in the right direction puts your finances in a better position to really build the foundation for the dream life that you imagine.

1. Save money
If you currently aren’t saving, you my friend are doing something wrong. When it comes to savings, every little bit counts. It doesn’t matter if you can afford a more aggressive savings goal, or if you’re seriously saving just a few dollars a week. When it’s time for you to break the glass for an emergency, you’ll be glad that you’re even a few dollars, or even a couple hundred dollars closer to paying for that emergency. If you can start and commit to building a savings, then you’re already strengthening the self control it takes to tackle your personal finances.

Check out my post “5 Money Challenges To Try In 2019” here!

2. Get out of debt
Plenty of people in the world live successfully with debt over their heads. The United States does it with ease and not a care in the world. That’s not the point! The point is, you don’t want to be one of those people, and you don’t want to be thousands of dollars in debt. Regain control! I absolutely understand that not everyone will be buying a house in cash, or avoiding car payments and credit cards, but it’s important to prioritize and recognize that too many unnecessary debts all at once is a downward spiral. Start by paying off or paying down your store cards, paying off a small medical bill, pay those parking and toll fines! Stop letting other people hold that IOU over your head, and get them out of your life FOR GOOD.

3. Cut your expenses
It’s really the little things that start to add up. Reevaluating your budget is something that you should do every so often, but especially when you’re wanting to make some positive changes to your finances. Get rid of that extra subscription, maybe an unused gym membership, or even finding ways to cut down a few of the expenses that you plan to keep. Nine times out of ten, for the average person, you’re probably overspending somewhere. Again, every little bit counts. Every penny that you save by cutting your expenses can then be used to tackle your debts, or pad that much needed savings account.

4. Invest
If you’ve read my post “My Personal Finance Goals For the New Year” then you’ll know that one of my larger goals for the new year is invest. Investing can mean whatever you want it to mean for you personally. Invest in stock, invest in your financial knowledge, invest in your financial future. Like your personal finances, how we manage money is always evolving, so it’s always good to keep up with all of your options out there to put you in a better place financially.

5. Change your mindset
So much of making a lifestyle change is mental. Tell yourself that YOU WILL, and stop making excuses as to why you can’t. You will save, you will pay off that debt, you will reach all of your financial goals, you will build the life that you want for yourself.

Be sure to follow me on Pinterest! Pinning budget greatness, All Day, Every day.

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