The Dream Of Getting A House Of My Own

I don’t know about you but when I was still young, I want to own a house. When my sister decided to loan a house through SSS, it was the time that I can feel the privacy, I don’t have to be scared to get kicked anytime, you see we were always moving in every now and then. We moved in to the house that my sister loan when I was about to be in college. That time I thought the subdivision we moved in is the farthest but now it is becoming one of the nearest. I moved out from that house when Mj was 5 years old. I got a fight with my sister, so even if I partly owned the house I just let her be and rented a house together .with my other sister.

We stayed there for a year until I decided to loan a house through Pag-Ibig. I was working in a pioneering call center that time. I decided to loan a house because of the thought that if it will be my name on it, no one will be able to steal it from me. But few years after, since my kids are growing up, it was hard already to live with a sister together with her family. We can’t avoid getting a fight because of the kids. So I thought to rent a house in the same village.

I didn’t try to own a house after we moved out from my house because I thought that we will be joining my husband in the US but since it looks like that it is impossible for us even if it was hard for us in terms of financing, I grabbed the opportunity to assume this house. For one year, our life was tested because of what we owe to the owner of this house and I need to think very quick of I needed to do to save everything until I paid him off. Thank GOD!

In one year of struggle, we were not able to do some repairs of course we need to save for the house. I need to pay the owner pretty quick and we needed a huge amount of money. I was relieved when we paid him off, first thing first I did was to repair the floor tiles, last year I was able to have the sink repaired and we were able to modify the counter to cabinets and I was able to put doors for our closet. Now, I got a huge plan and that is to put an extension and a master’s bedroom. I am saving for it; I hope to do it next year or at least before my husband will go back here. I hope to do it really soon.

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What I Accomplished This Year

Looking back, I can feel that I accomplished something very important this year. It was this year that I have our tiles repaired. I also installed new tiles too, so now when we step on it, we don’t have to be careful of which tiles to step because all of it is properly installed already.

Our gutter just collapsed when the rain poured so hard. It has been a while that it hanged and it is not that very impressive to look at it outside. Good thing that I was able to find one on my rest day to fix it. It was fix at first but then it collapsed the 2nd time around, it was not easy for me to find one to fix it again because I don’t have contact already with the first one who repaired it, while my car was sent to my mechanic, I had a chance to ride in a tricycle and I was able to talk to them if they knew someone who can repair our gutter. One was sent to the house and the next day, he repaired it right away.

The screen door in the back was ruined, it bang all so sudden when you are closing it. My brother in law recommended one of their clients. They repair screen doors, or glasses and they went here to check what things to replace. They replaced the mechanic swing and they also replaced the screen door.

The last but not the least  is I think the biggest  accomplishment this year; finally we are fully paid already with our loan. We took this loan so we can pay the previous owner of this house. And last August was our last payment and I could not be happier when I realized we don’t have owed that much money at all. It is too tiring when I have to think about it every month, imagine our monthly installment was P 13,000.00 each month so instead of spending it to other matters here at home, but since it’s our obligation to pay for it, our budget just ruined. So hopefully when this year is over I can accomplish more, I just need to breathe some air after we were fully paid for this loan.

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The True Costs of Home Ownership

You’re ready to stop throwing your money at a landlord. You want to make the rules about what happens to your home, from painting the walls to inserting custom bookshelves. In order to make that happen, you have to go through the process of buying a new home. As a first-time home buyer, you may not know all of the expenses involved in this process. This quick guide will get you up to speed so that you can start preparing financially.

Down Payment

The amount of money you pay for your new home upfront is determined by the type of loan you secure, your credit and other potential factors. If you know you want to purchase a home, now is the time to start saving.

Closing Costs

There are services which offer zero closing costs, and that can mean big savings for a first-time home buyer. This may help you designate more of your savings to the down payment in order to secure a more reasonable monthly mortgage payment.

Property Taxes

Tax rates are determined by the neighborhood or city in which you choose to live. This is an expense that will stay with you as long as you own your home, so you may find that you can’t afford to live in an area that otherwise attracts you.

Homeowner’s Insurance

When you consider your monthly payment for a mortgage loan, remember that insurance will add to that expense. You can shop around to get the best rate, but read the terms of each policy closely to determine what you get for the lower rates.

Maintenance and Repairs

Some homes will cost more than others to maintain over time. If you purchase a used home, you may come across repairs that you didn’t anticipate before buying the home. You may also want to upgrade windows or appliances to energy-efficient models.

If you purchase a new home, you will still need to maintain the heating and air conditioning system, fireplace and other features of your home. You may also have the initial expense of purchasing appliances, or you may want to invest in landscaping.

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Parking Spot In Pag Ibig

I went to Pag Ibig today to pay the monthly dues of this house; actually this is the second day that I went there because yesterday I also went there to pay the monthly dues in the house in Ph 1 for my sister. Yesterday, when I parked my car at the establishment just beside the Pag-Ibig, I have no problem at all, they just let me park there. But today, when I parked there, just few minutes I sat in Pag Ibig, the guard catch our attention of whomever parks the car should have to park in front of the Pag Ibig as there is already a spot available. I took my car but then I had a hard time parking in the spot provided for me because it was too tight. I looked around the area and I saw a spot in a building in front of Pag Ibig, they are selling viand and since I doubt if we still have foods at home, I parked my car there and bought some viand instead. I told them I will have to leave my viand as I still have to go in Pag Ibig, the store attendant said yes. The security guard smiled at me when I went inside the Pag ibig, he said he was waiting for me and guarded the spot so I can park but I told him it look so tight so I didn’t push through.

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