Wikilatief - Always delaying and having various reasons for not making an investment immediately is something we often do.
In fact, even though we know this will greatly provide many benefits for our lives in the future. Most of us will choose to spend money to meet a variety of other needs. That might not be so important to us.
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| A house |
Home becomes one of the most ideal forms of investment. Because property becomes one of the most important needs in everyone's life.
However, in reality, most of us prefer to always put off in owning this one asset. Surely for a variety of reasons that actually do not really matter.
If it continues, chances are you won't own a home for years to come or even for the rest of your life. Isn't this the thing you don't want at all?
As simple as anything, the house is a palace for every owner. In this place, we rest after a long day of work. In this place we also keep pets until we meet family.
Unfortunately, in this modern age, the house becomes an object whose selling price is fantastic. Many people, especially from the working class have difficulty getting housing for themselves.
So, what do you do if you want to have a home? Here are 14 smart ways to realize the dream of owning a home that you should try and do:
1. Have a Clear Goal
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This will be a very important point for those of you who want to start to save. Determine and have a clear goal in saving.
Later your goal to save becomes more directed and does not run with origin. A clear goal will help you stay focused and always strive in that direction.
You know very well what to aim for in your financial plan. This will be much more effective than saving without a goal or a strong desire from yourself.
Don't just set goals in the beginning and then not be realized and forgotten just like that. Indeed, almost everyone does not ever forget.
It doesn't harm to write down your goals and paste them in easily visible places. This will keep you in mind and focus on that goal.
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2. Determine the Right Amount
After the goal, the amount of savings is one of the other things that you must have clearly from the beginning.
This will help you to be able to have the most precise picture of when and how those savings can help you in owning a dream home.
Perform financial calculations well, including determining the savings ratio that can be done in the monthly fixed income you receive.
Do not specify unreasonable amounts in the financial plan you make. Because this will only make your saving activities become a burden.
Not only that, this too large and disproportionate amount of savings will only interfere with various other posts in your finances.
Have the right amount and immediately set aside a certain amount of money according to the amount. Savings should be a fixed component in finance. Not a post that sometimes exists and sometimes disappears.
3. The Right Savings Target
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Your saving activities will be easier and more enjoyable if done systemily. Apply a number of rules in financial management by having a number of targets periodically. For example, weekly targets, daily targets, and more.
This will give you good control over managing your finances. Moreover, apply a number of sanctions for yourself if at any time can not reach the target properly and appropriately.
There's no need to set too big a number of targets, which will make you lazy to run them.
4. Pay Off All Debts
If it turns out that we have a debt, it would be very good if the debt is paid immediately. When no longer have a debt burden, the process of saving will be much easier and enjoyable.
Because you can focus on saving activities. Debt will also be a burden on the mind that might just make you depressed. Therefore, it will be very more convenient if you do not have such a load.
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5. Saving Gold
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Many will advise you to save to be able to buy a house. However, if you don't earn much and you have to raise money for a long time, consider buying gold instead of just saving money.
Not gold jewelry, but gold bars. Gold savings, in general, are safer than money savings. Because if you save money, its value will continue to decline.
By saving gold, you can minimize such risks. Because the price of gold also tends to rise so that it can be adjusted to the house price.
6. Shrinking The House from Now on
To realize the dream of owning a home, avoid procrastinating on making purchases or installments if you already have the funds initially. Because, house prices continue to increase as described above.
Maybe you're feeling the objection of buying a house at the moment. However, believe me that in the future, you will increasingly feel objections.
This phenomenon is caused because the house has been used as an investment. The house is no longer a regular buying and selling item such as smartphones, cars, or motorcycles.
Certain people buy a lot of dwellings with the aim of being able to sell them at fantastic prices in the future.
That's what keeps house prices going up. If you are not good at reading trends like this, you will have a hard time buying a house.
7. Buy Building Materials Immediately
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Let's say you've got land. You may have managed to raise money or even get an inheritance. Well, if you want to build a house on the land, start buying materials to build it.
For example, this month you buy the necessary stones. Then next month, you buy the sand.
And in the third month, you buy ceramic flooring. Continue until you can get material that is otherwise not easily damaged eaten time.
Why is this important? Because the price of building materials also continues to rise as the overall house price.
When you can shrink the building materials one by one from now on, at least you get a lower price.
8. Consider The Location of The House That Is Not Strategic
Unless your income is large, it's best to consider buying a residence in a location that is not strategic.
The price of the building will be cheaper, so you can immediately transact and buy and sell. If you have leftover money, you can also spend it on home furnishings.
What if the location of the house is too far from work? For these conditions, you can rent out the house.
Meanwhile, you yourself can a rental house in a place close to the office. This strategy is quite good if every month, you make a considerable profit from the rental place.
9. Stop Unnecessary Expenses and Manage Strictly
Do you often spend money on something that is actually not of great importance? For example, too often buy expensive clothes and shoes. Alternatively, you often go to tourist attractions whose rates are far from affordable.
If you want to realize the dream of owning a home, it's best to stop spending like that. Especially if the total expenditure has reached a fantastic figure.
Allocate the funds to save to buy a house. After your house is purchased, please just go back to your favorite lifestyle.
Sometimes it's so easy to spend some money, even without good calculations. This is very bad, especially if you do it so often and make it a habit in life.
Stop immediately and start getting used to always considering and taking into account every penny you spend from your wallet. Because it's the money, you make with hard work, isn't it?
10. Living Sparingly
Living a frugal lifestyle is quite difficult to do, especially if you are used to spending money without clear calculations. Don't underestimate this.
Because saving life can make you free from a number of financial problems in the future. Get used to always living a frugal lifestyle so that the existing amount of money can be allocated into savings.
11. Investment
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Until now, there are many investments that are actually quite profitable. If you have savings and are reluctant to buy gold, just ask the bank about investments that you can follow.
In addition, there is also a type of investment that is arguably unconventional. For example, buying cryptocurrencies such as Bitcoin. It's just that you have to have enough insight.
Read more about it and follow a trusted community, so you get more benefits.
12. Do Another Business
To realize the dream of owning a home, you can also try various side businesses that are trending. Especially if you have a house in a strategic area. Just sell something that's popular in the community.
If Korean food is currently popular, try making one or two of the most preferred Korean menus.
This trend does not last long. But when it goes viral, the profit you get can be huge. So, don't miss a trend like this.
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13. Find As Much Cheap Home Loan Info as possible
Find as much info as you can about affordable home loans.If Korean food is currently popular, try making one or two of the most preferred Korean menus. Actively ask friends, relatives, and social media groups.
With the lot of information you receive, you can choose the cheapest credit and the terms you can complete. So, you can get a residence that best suits your condition.
14. Joint Venture with Brother or Spouse
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Just imagine, your neighbor sold his house at a low price. He offered you the house because he considered you a good neighbor. Isn't this a golden opportunity?
Unfortunately, your funds are not enough. Your money is only half of what is to be paid. Whereas your neighbors desperately need cash at that time.
When you believe in your brother, the friend or partner, try to join venture with them. Make an agreement on the purchase of the house and how it will be dissing.
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After all, buying a house must be profitable. So, going forward, the division can be arranged equally good impact.
Conclusion :
Owning your own home is an achievement and happiness in itself, as the saying goes:
"My home is my paradise."
"My home is my palace."
Those two phrases are very popular in the community, so it doesn't matter how small and simple the house is.
High house prices are the reason most people make this asset as a form of achievement, as well as an investment.
But in reality, this high price is also often an obstacle for most people who want to buy a house, especially if it turns out that the monthly income is not too big.
If you look at the price of a house that is not cheap, it is only natural if you intend to buy it by shrinking.
Nobody doesn't want a home. Without owned housing, we have to spend a little money for costs or rent. Unfortunately, house prices continue to rise over time.
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However, in the midst of this difficulty, you can still try to realize the dream of owning a home. For example, by applying all the 14 ways above. It's not easy, but if we keep trying, there's got to be a way out.