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Three Important Financial Factors To Consider When Buying Your First Home
It’s September and, along with the cool weather, that means the real estate market is back in full swing. Often buyers and sellers take a break during the summer, these months are filled with outdoor activities, BBQs and vacations, so this leaves little time to go house hunting.
But now that everyone is back into their regular routine the number of people actively looking for a new home starts to go back up.
When buying your first home there are a few important financial factors to consider. Not only will this be one of the biggest purchases of your life, but your home also drives a lot of on-going costs as well. These on-going costs can impact your budget for years to come.
Buying the wrong house might mean extra costs you didn’t anticipate or don’t have room for in your budget. This can mean years of financial pain and tight budgets.
Buying the right house means you’ll have lots of room in your budget to do all the things you love to do, travel, hobbies, restaurants etc.
When buying a house there are three very important financial factors to consider.
How Many Transactions Does The Average Person Make Per Day?
How many transactions to does the average person make per day, one, two, three or more? For the last eight months I’ve been averaging about 1.3 transactions per day but I suspect the typical person averages closer to 2.
Since the beginning of January I’ve been religiously tracking my spending. This has been a departure from my normal budgeting routine but it’s been extremely interesting because of how much detail I now have on my spending habits.
For the longest time, I was an anti-budgeter. I would set a savings goal and then each month I would put away enough money to cover my savings goal plus any fixed expenses, then I would leave the rest in my checking account and spend freely. Over time I created good spending habits and most months I would have a bit left over.
Personally, I found the anti-budget to be a great balance between managing my money and my time. I could hit my financial goals but didn’t have to spend much time tracking expenses.
This all changed when I came across this super simple way to track your spending. You don’t need to give Mint all your passwords, you don’t need to pay YNAB a monthly fee, all you had to do was use Google Forms and Google Sheets to setup your own semi-automated spend tracking.
Adding a new transaction didn’t mean opening a spreadsheet, you could do it right from your phone. Tracking your spending took just 10-15 seconds after each transaction.
So, since January I’ve been tracking every transaction I’ve made and one thing I find super fascinating is how many transactions I make.
3 Great Personal Finance Books To Read Over The Last 3 Weeks of Summer
Summer time is a great time to read. It’s hot outside, you don’t feel like moving around, you just want to sit and relax. A book is a great way to enjoy those lazy summer days. With vacation days and long weekends there are plenty of opportunities to read a good book. Personal finance books might not be your first choice for a casual summer read but I’ve got three great personal finance books that you should definitely consider this summer.
Of course, there aren’t just three great personal finance books, there are literally hundreds of great books out there. There are books about investing, about financial independence, and about retirement. There are books about budgeting and managing expenses. There are books about how to pay off debt as quickly as possible and how to start saving for the future. There are general personal finance books too, which touch on all these topics and then some.
With so many great books to choose from, and so little time to read them, you need to make some tough decisions. Which book will you put on the top of your list? We have three recommendations that you should consider putting at the top of your list this summer.