Adulting

What’s on Your Bucket List?

If you’re not familiar with the term bucket list, it’s a phrase that people use to describe the things that they want to do before they “kick the bucket”. It’s not the most elegant of phrases but it certainly does the job in terms of being descriptive! I’m going to be 38 this summer, which means that the big 4-0 is not as far away as I would like. I’ve been thinking about some of the things I would like to do before I turn 40. Some of them are pretty random. Some of them are probably the same things that were on the list when I did this before I was 30. I thought I would share them with you today for a bit of fun.

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Adulting

Get the Best Price for your Second Hand Car

Get the Best Price for your Second Hand Car
Image by andreas160578 from Pixabay

Husband and I have been in the market for a new (used) car since before the start of the pandemic, after ours went to car heaven for good. We’ve been lucky enough to have been loaned a car by my parents, which is something that has genuinely saved our bacon for the last two years, but we’ve managed to replenish our savings a bit and have started to look around for cars again. We’ve got a fairly set idea of the type of vehicle we want, but we’ve also seen a fair few things along the way that have been very off-putting, too. That’s why I’ve put together a little guide for anyone selling a new car of things that you can do which will ensure you get a good price:

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Adulting

Minimising Excess Complexity In Your Professional Life

Minimising Excess Complexity In Your Professional Life

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Everyone wants to thrive in their professional life as well as in their personal life, and to enjoy the greatest possible degree of success and accomplishment.

Whether you are trying to excel and get promoted as an employee, or whether you are trying to achieve entrepreneurial success, however, there is a lot to be said for “keeping things simple,” and looking for ways to minimise excess complexity in your professional life.

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Adulting

Buying a House? Here Are Four Experts You Should Consult

Buying a House? Here Are Four Experts You Should ConsultImage credit

 Buying a house is one of the most significant financial decisions you will make in your lifetime. With a lot at stake, such a decision should not be made lightly or in haste. The best way to ensure that you get the house of your dreams is to bring aboard experts who will guide you and take you through the process. This blog post outlines the four experts whose services you will need the most when purchasing a house.

Financial Analyst (Credit Expert)

A good credit score has numerous advantages for home buyers; the most important being that It will significantly help you get a better interest rate and a lower down payment on your property loan.

Although you may be able to generate and keep track of your credit score on your own, seeking the services of a financial analyst is a smart move, especially when purchasing a house.  A financial analyst will generate your credit and advise on how you may improve your credit rating in the right way based on the current score. For example, they may suggest paying some of your debts or reestablishing credit to bump up your credit score as you prepare to purchase a house.

Real Estate Agent

A real estate agent who knows the local market well will help you navigate the complex process of finding the perfect house.  They will be instrumental in helping you browse through the listings available for purchase, arrange for house viewings, help you negotiate the best deal for the house of choice, and guide you through the process of closing in on the mortgage. Hiring your agent as a buyer ensures your interests are taken care of throughout the entire process. 

 Mortgage Broker

Unless you are purchasing your house with cash, you will need to take a mortgage for your home. A mortgage adviser will help you determine if you are prequalified for a mortgage. The mortgage broker will inquire about your earnings, savings, and other personal finance-related questions before they decide whether or not you qualify for a loan and advise you on the nature of loans available for you. Additionally, the mortgage advisor will advise you on where you will get the best interest rates, guide you on all the documents you need to get the mortgage approved, and answer any of your house purchasing queries.

Home Inspector

When buying a house, the services of a home inspector will help you make a decision whether to buy the house or not. An inspector will carry out an unbiased, detailed check of the house on your behalf and come up with a list of anything that will need to be repaired or replaced. They will assess the house’s structural components and check the walls, floors, roofing, and windows. They will also determine if the plumbing, AC, and electrical systems are in perfect working condition or if they need repairs

The home inspector works directly with you, so do not be afraid to request that you be present when they inspect the house.

The inspector’s  report will help you determine if you will ask the seller to carry out repairs or if you will decrease your offer amount as you proceed with the purchase.

Conclusion

The process of home ownership can be a long and complicated one. Many parties will come aboard during different times in the purchase process, and knowing what each one does will help you make the purchase easier. Although this is not a definitive list, the above four experts play the most significant roles in a house purchase, and knowing what they do and having them aboard will streamline the purchase process.

Adulting

Great Reasons Why You Should Live At Home As A College Student


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Living away from home and at your university can be exciting and add to your experiences. However, staying at home can be just as fun- and beneficial! Statistics show that UK universities had 1.9 million students living in both provider-maintained accommodations and private halls last academic year. This means rent prices are going up (as demand increases) amongst other accommodation issues. Yes, staying at home does sound cool, but there are so many perks you’d be gaining! Here are a few.

Save more money

As a college student, living on a budget is essential. Imagine how easier your time in school would be when you don’t have to worry about rent, paying for maintenance fees, or even food? Well, that’s what staying at home does for you. It is considerably cheaper and budget-friendly staying at home. You can save more money and avoid failing in debt like many college students.

Improve and keep healthy friendships

It’s a common misconception that college students who stay at home don’t make any friends. Even though you may stay at home, you can still meet and befriend many new people. It also helps you keep the friendship fresh and healthy as you can avoid more “bad” friends and limit your exposure to peer pressure. Additionally, it also encourages healthy space between you and them as you are not easily accessible- unless you want to be. 

So, don’t hesitate to take the time to make new friendships and build your existing ones; staying at home shouldn’t make a difference. 

Avoid flatmate troubles

If you’re staying out of the house, you are most likely going to get a flatmate. A flatmate or roommate is an excellent idea as they can help share the expenses and take away the loneliness you may feel if you were alone. But it’s usually not so rosy. Some studies show that the constant issues with roommates affect the academic success of students. Although this gives you an opportunity to learn to handle conflict and cope in stressful situations, they are often avoidable.

Stay close to family

Although the university is a time to explore on your own, you miss being around family occasionally. Having family close by makes you feel safe. Staying at home may be an excellent choice if you have a tough time with social anxiety or are uncomfortable constantly being around new people. It is also a good idea to stay at home if you deal with illness and need assistance from someone you trust. 

There are so many advantages to staying at home. However, it may not always be possible to do so- like if there’s a significant distance between your home and school. Fortunately, university accommodation options such as the University of Suffolk student accommodation offer students an accommodation experience that feels just like home! But if you do school closer to home, these four reasons should convince you to live at home.