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Do You Really Have What It Takes To Be A Homeowner?

  • February 14, 2021
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First HomeThere is no-one who doesn’t deserve to own the roof over their head. Becoming a homeowner is considered, by many, to be like a financial rite of passage. Something that anyone who wants it should aim for. However, not everyone is ready to be a homeowner. To make sure that you’re able to take on that responsibility, here are a few things that you need to be sure of.

Are you ready to sit still?

One of the big benefits and also the big challenges of buying a home is that it requires you to set down roots. You’re going to be financially tied to a property for years. For that reason, you should ask yourself where you’re going to be in five years and if the answer isn’t “in the same location, preferably in the same company” then you should probably wait since your career and other lifestyle choices might see you moving more quickly than you can pay off a house.

Do you have the money ready?

Before you start thinking about buying a home, do you have a downpayment or a deposit at the ready? Take a look at the kind of properties you would like to buy (when ready) and use a deposit calculator to get a good idea of how much it’s going to cost you. You need to make sure you have that much saved up before you even think about looking on the market. It’s a good test of whether or not you can set aside savings because homeowners who have to pay repair bills when something goes wrong need that skill.

Are you financially ready?

This isn’t just about the deposit that you’re going to need to pay on the plan (though having the ability to save that much is crucial!) This is also about your ability to get a good deal and be able to handle those monthly payments for the foreseeable. Part of this is good budgeting, but another part is checking home loan interest rate comparison sites and seeing if you have the credit to keep the costs reasonable. If you have really bad credit, you should first focus on fixing it for at least a couple of years so that when you do need a mortgage, you don’t pay an arm and a leg for it.

Are you ready to take care of it?

You aren’t just going to be financially responsible for the home, you’re also going to be responsible for ensuring it fits all the needs and wants of the family. The primary concern: keeping it safe, warm, and secure. To that end, you need to make sure you’re able to follow a home maintenance schedule to make sure you don’t end up in a property that is degrading around you, costing you more and more to fix as time goes on.

If you’re not ready just yet to be a homeowner, don’t worry. It might take a little time, a little personal development, and a little more planning. Just because you’re not in the “homeowner phase” of your life right now doesn’t mean you never will be.

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Carolyn Scott-Hamilton

The Healthy Voyager, aka Carolyn Scott-Hamilton, is the creator and host of The Healthy Voyager web series, site, and overall brand. An award winning healthy, special diet and green living and travel expert, holistic nutritionist, plant based vegan chef, best-selling cookbook author, media spokesperson, sought after speaker, consultant and television personality, Carolyn Scott-Hamilton is a respected figure in the world of healthy lifestyle and travel as well as special diet cooking and nutrition. The Healthy Voyager aims to help people live well, one veggie at a time!

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Meet The Healthy Voyager
Carolyn Scott, The Healthy VoyagerHi! I'm Carolyn Scott-Hamilton. I'm a Latina holistic nutritionist, vegan chef, cookbook author, speaker, show host, consultant and healthy travel and lifestyle expert. From video web series and travel articles, to product reviews and healthy, vegan and gluten free recipes, you'll find lots of info for a happier, healthier and greener lifestyle! After all, Life is a voyage, live it well!
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