Getting on to the property market can be hard, but teaming
up with someone be it a partner, friend sibling, even getting your parents to
help you to give you a leg up into the property world can help do the trick,
plus having savings too, but at times that can even be hard to do with living
costs hiking up year on year.
Whilst some feel it can be an impossible dream, especially
when you are forking out an arm and a leg, throw in some blood sweat and tears
to even out the scale, the older and younger generation can find themselves
thinking, that yes, it is an impossible dream and that is all it will be and we
will forever be paying off someone else's mortgage other than our own and
facing ridiculously high rent increases year on year.
Location, location, location
You have to really think, sit down and weigh up your options
whilst renting may be easier, is it really affordable in the long run, do you
stay in a city where you know property prices surge or step outside of your
city life and live somewhere more rural, where it will be cheaper to live and
saving you some extra cash, that is where I am currently at, but then I weigh
up travelling costs and thinking is it worth it to travel so far daily with a
kid in tow, who is just about to start school! Whilst everyone's position is
different, moving out of the most expensive areas in for a short period is
never a bad idea.
Parents
If you don’t want to
move back into your family home, maybe your parents can help you get on the
market in other ways. Take a look at SunLife who have some great advice for
parents wanting to help out their kids
Part buy
So many people have taken to this route where a vast deposit
is not needed, whilst you may not own the property outright it is a starting
point and a way to get your foot in the door, enabling you to save and chip
away at the remaining percentage until you own it outright or have the vast
majority.
Chill nights in
Saving not splurging can help you save, instead of opting
for nights out, cut back on the weekly night out and opt for a night in with
some popcorn a good movie and ditch the takeaway and whip up some homemade
Chinese sweet sticky chicken wings to help save you a little extra dough
towards that dream home of yours.
Make your dream a reality
Simple really, in order to vision what you want, go and see
what you want, nothing wrong in booking a few viewings, look at the location,
look at the homes available to get an idea of what you want and how much it is going
to cost you, to get a real sense of your price range you really need to know
what is on the market. In recent years first-time buyers have typically used a
20% deposit to buy a house, so factor that in when you are going on your
viewings.
Have you been saving for a deposit? How did you do it, where
did you start? I would love to hear your comments below....
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London Mumma
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Every day I'm hustling, hustling, hustling.......Finally, I am doing jobs that I love and when I'm in a happy workplace nothing more rewarding for you and your company by going the extra mile and getting ahead at work.
When you love your job, you are more than willing to jump out of bed with a spring in your step. You go into work your happy, not just within your role but your colleagues too, god knows some can be a pain, but that's ok, today is a new day and a day that you don't mind seeing that sourpuss, your happy to be at work, your positive and you want to get ahead because secretly you love and are happy with you and your role.
Everyone wants to be rewarded and promoted, but it won't just happen overnight, you gotta put the work in. You see yourself wanting to grow and learn within the company you work at, you gotta put the work in love to get noticed and be rewarded. With these practices, you will sure to be promoted in no time.
Know your role, knowledge is key
Once you've grasped an understanding of your role and what you are meant to do, get to know other roles and other departments. Nothing quite like, being able to support or driving revenue to another department.
Share your knowledge and support
We all need help and support and those that you work with need it too. As cliche as it may sound there is no I in team, so share that knowledge whatever it may be, to being kick-arse at a spreadsheet or a whizz kid at coding and if you see someone that needs help, offer some support they will appreciate that support and others may notice and come to you for additional direction.
Get involved
Nothing says I'm here and ready to get involved by actively doing so, by attending work functions, to possible courses they may offer to help you get ahead at work, even if it may not be your division, nothing quite shows gumption than by taking the initiative to grow and learn within the company, besides no one takes a job to be in it for a short period, nothing quite like learning new skills.
Ready, steady, BAKE
Admit it, don't lie now, we all love a cheeky treat with a cuppa! Anyone who says they don't they are LYING, EVERYONE loves a cheeky mid-afternoon treat. So why not occasionally treat your colleagues to something scrumptious. Luckily I made 2 of my bitchin banana bread took them in to work and the greedy sods wolfed it down happily with a cuppa in hand and all departments came together for 20 mins and we had a cheeky chat, which is great not only you get to have a quick catch up and a sweet treat, you get to know others too in different departments, nothing like a treat to bring you all together and a little in-house networking.
Stay ahead
Sort out your checklist, nothing quite like being organised for work and staying on top of things to be able to get ahead, as you never know what could happen, things change all the time. You may find yourself being cancelled on by a client at the last moment, nothing wrong with having a backup plan, schmooze another new potential client, take them out for lunch, drop them an email, to even touching base with their EA.
Be true, be you!
No one wants to work with a phoney, you can spot a deceitful person a mile off, no one wants to work or promote someone who doesn't have the best intentions for the company or true to themselves. People remember those that are true, kind, honest and respectful and so quite simply just be you.
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Facebook for recipes and updates
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London Mumma xx
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