Moving Can Be So Stressful! Here's Help On How To Manage.

Keep Moving Stresses at Bay by Carla Hill

"Moving is frequently cited as being one of life's most stressful events and it's really no wonder why. It involves a massive change of routine, takes physical labor, and of course, is one of life's largest financial decisions.

These can all weigh heavily on the mind and body. What are some ways that you can deal with this momentous occasion and the stresses it brings? Here are a few simple ways you can deal with the weight of a move.

First, create a support team. This could include friends, family, a significant other, or even a counselor. Don't bottle up your emotions and concerns. Express them before they become pent-up frustration. A good support team can also serve as an excellent sounding board. Offering support is just part of the equation. It's great to have someone that can talk you down or act as a voice of reason.

The next step is to take breaks. It does no good to obsess 24/7 about every last detail. Set aside time each day to discuss and plan your move. Use the rest of your time for normal daily activities. Play with the kids, watch a movie, walk the dog, or go out to eat. The world does not quit turning during a move.

Proper diet and exercise are crucial to helping your body deal with stress. Sometimes we forget that our bodies are machines that require good fuel and servicing to run efficiently. The better we take care of our bodies the better equipped we are to deal with stresses.

There are great exercise routines for all fitness types. If you are new to working out then consider adding in a daily walk. Swimming is also an ideal beginner activity. For those more "fit" buyers, you could join an aerobics class, go for daily jobs, or add in a weight-lifting routine to your current workout.

When the weather permits, exercise outdoors. The fresh air and sounds of nature can be soothing to tired nerves.

Simple yoga and meditation can also do a body wonders. Yoga is about connecting the mind, body, and spirit. If you don't have the time or money to join a class then consider purchasing a yoga DVD. Even simple practices can do wonders for reducing stress.

Finally, don't rush yourself into a new "identity". The American Academy of Child and Adolescent Psychiatry says that moving to a new community is "one of the most stress-producing events a family faces." Moving can mean big changes in friends, groups, clubs, schools, and neighborhoods. We identify strongly with these. Give yourself time to adjust and to fall into new roles.

Yes, moving is a stressful time, but by taking the proper steps you can greatly reduce the amount of stress this event brings.

Published: August 30, 2012"

Beautiful fayetteville country home - $178,000

County living at it’s finest! 

This beautiful home offers 3 bedrooms and 2 full bathrooms. The spacious family room has a masonry fireplace and cathedral ceilings. The spacious kitchen come fully equipped with all appliances. The bay window in the eat-in-kitchen offers picture perfect views of the backyard. This home offers a formal living room and formal dining room with hardwood floors. The large master suite offers a walk-in-closet and master bathroom with garden tub and separate shower. 

Enjoy the weather or a family bbq on the back deck while enjoying views of the beautiful professionally landscaped yard with over a 1 acre lot. 

The seller is to provide a 1 year home warranty to new owners. 

For more information on this home or other homes in the Fayetteville NC and surrounding areas call Patty with Litchfield Realty at 910-476-4267 or visit my website at www.ask4patty.com.  OR search all available homes for sale here!

 

 

Buying A Home: A getting Started Guide

Do you currently rent your home? Maybe you have thought about buying a home and you feel as if you are just throwing your money away on rent. It’s time to get a place to call you own, home! But of course, you have a few reservations about purchasing a new home.

Sure you have questions and may be a bit nervous, those are all normal feelings after all this is an important financial decision in your life. But being educated on the home buying process will empower you to overcome those first-time home buyer jitters. 

Is buying a home is the right thing for you?

Many people are petrified of buying a home, and some of those fears are justified. As a real estate agent I hate to admit it, however, owning a home is not a perfect fit for everyone. There are some factors to keep in mind when making the decision to rent or buy.  

Renting vs. Buying – Things to consider:

Bad Credit

Ø  If your credit report is less than 620, it is a good chance that you will not receive a good rate for a loan and could potentially put you in the hands of lenders that do not have your best interest at heart.  

Ø  If you decide to pursue buying a home with bad credit, I would advise trying to raise it prior to applying for a loan.

Ø  Did you know that four (4) late payments is all it takes to make you ineligible from getting a loan?!  You can order a copy of your free credit report online. 

High Debt Ratios

Ø  When getting a loan lenders look at two ratios: front-end and back-end.  Your mortgage payment (including taxes and insurance divided by your monthly salary) is considered the front-end. The back-end factors in your monthly debt to your PITI payment before dividing the total for your salary. If after your calculations your debt ratio is 50% or higher you may not qualify for a loan. ANY lender willing to fund such a loan is NOT who you would want because you will be paying too much.

Job Instability or Relocation

Ø  How stable is your job? In 6 months, 1 year, or more will you be able to support the payments required by your loan? Things to look at in relation to your job is; Is your company laying people off? Could you be fired? Remember that unemployment is usually not sufficient enough to support a mortgage payment.

Ø  In relation to relocation, is it possible that you may be relocating in a few years? Military members should think about this prior to buying. Is this a city/town/state that you want to reside in after retirement? Are you willing to rent out your house in the event of a PCS move?  If you did purchase and had to relocate more than likely you would have to sell. When buying a house, the intent should be to at least stay for a while.

Pulling Maintenance

Ø  Every house requires upkeep, but not everyone is handy enough to tackle all the home repair projects that may but may also not have the means to support a professional to correct the issues. A good thing to keep in mind is to set aside at least 5% of the purchase price to cover any upkeep/maintenance issues that may arise when you purchase your home.

So to sum everything up, prior to getting geared up to purchase your first home you should line up your finances, put aside a down payment and do some research on the loan programs that are available for you. By researching and doing your homework you will be able to estimate how much you can afford and how much it will cost you. 

Good luck on your home search pursuit!

 

Get a jump start by searching all Homes For Sale In Fayetteville NC and Fort Bragg NC.