How easy it can be to own a home

For quite a long time i thought homes were owned by rich people with a lot of income. But i came to realize that's not true, anyone can own a home.

There is never any surplus to do extra things, it all depends on how willing we are to sacrifice for the future. This will make you ensure that you get what you want no matter how long it takes. You can build a house slowly for as long as three years whereas someone else will build the same house consistently to the end. Though this also depends on the rules and regulations of your country.

Wondering how three years can be such a long time! You will know it's not when you finally get into your house and say bye bye to paying rent. One major problem sorted out.

Steps to the journey of owning a home

Buying land

Buy the piece of land in the most affordable place for you no matter how the place looks like. The beauty of the houses will make it look much better in the long run. This can be a difficult step depending on the cost of the land you want to buy.

Get a contractor to give you a broken quotation

At this stage, your intention is to build your house slowly since you do not have ready cash. The quotation will break down your expenses in bit of:-

• Foundation
• Ground floor walling
• Slab
• Top floor walling
• Roofing
• Plastering
• Windows and doors
• Fittings
• Perimeter wall
  

Build your house in these broken bits without much strain

In fact if you are doing a maisonette, you can finish the ground floor and get into the house as you struggle with the top floor. In the event that you are jobless and you cannot pay rent until you get another job, you are much safer in your own house. Not many countries support jobless people and life can be so tough if you live in such a country.

You can imagine the landlord harassing you when you have no money to pay school fees for your children and neither do you have any good food to give them. It can be so frustrating.

Set - backs to owning a home

1. Being too choosy on the land purchase.

The cost of the same size of land differs in different areas. You can buy land at 4000 to 5000 USD or even less depending on the town whereas you can buy the same piece of land at 20000 to 30000 USD in another area.The latter is normally a more classy area and of course everyone would like to stay there. So will you hold on until you can afford it? You will be wasting yourself. You never know what the future holds so buy land depending on your pocket at the time.

2. Looking forward to being like a friend or relative.

Accept the reality and the reality is that you and your brother or sister cannot be the same despite the fact that you were brought up together in the same lifestyle. Building materials cost the same but just buy land where you can afford to. Waiting might mean you will never even buy the land in the first place. By the time you think of purchasing where you initially didn't want to, it will have appreciated and you will just miss out on both.

3. Phobia of loan repayment

Take advantage of the opportunities you have. If you work for a company that can give you loans, acquire loans to develop yourself. There are many who are so disadvantaged because they work with companies that cannot give them loans and neither can the banks. But i like the determination of some of them because they struggle so much and finally live in their own homes.

4. Not living within your means.

Many of us suffer from this disease. You want to drive a car like someone else, you want to dress like someone else, you want to live in a high class area where rent is very high yet your pocket does not really allow. In the long run you are straining so much to get your basic needs. If you are this type of a person, you are just living a lie and you cannot make it easily. You will end up suffering because you will never achieve anything.

You also want to associate with your college friends who probably got better paying jobs and hang out in expensive places. What if his salary is four times yours? You are just not yourself and the faster you change to what you should be the better for you.

5. Being so particular on the size of land

We all would like to live in big houses, in big homes with swimming pools but we don't. Why? Because we all cannot be the same. Buy the size of land that is affordable for you for as long as it's within your country's regulations.

A long journey begins with a single step, so don't lock yourself out.

Yes you can.