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Could one of these fears be stopping you from creating new, rewarding memories in a home you can truly call your own? If so, you might be forfeiting more than you think.
Home is an incubator of great memories
Memories color your life with emotion. Memories serve as signposts to your most endearing and life changing experiences. They get you through the toughest times. When you recall your sweetest memories, you might discover that many of them were created inside a home.
Picture it;hot apple cider, festive music and gifts beneath the Christmas tree as you and your family dine and laugh at your grandparents' house during winter. Summer barbecues shared with 30 of your closest relatives and friends at your parents', the house spacious enough to easily accommodate all guests.
Fears that hold you back
You appreciate having a place to create loving memories year after year. Over the last several years, you've been thinking about buying a house of your own. But, you keep putting buying a house off. Despite your desire to own your own place, these fears could halt your progress.
Lack of finances - Do you keep telling yourself that you don't have enough money to buy a house? Do you imagine yourself getting laid off and being unable to keep up your mortgage payments, all this before you buy even a small, affordable house? See if you also worry that you won't be able to afford a new car, to start a business, invest in an improved wardrobe or move into a better apartment. If so, you could be afraid that you'll never have enough money to do what you really want to do.
Weak DIY skills - Maintenance skills aren't required to own a home. Lenders don't ask borrowers if they have plumbing, electrical, roofing or construction experience. But, that doesn't stop you from trying to figure out what could go wrong with any house that you want. Every time you think about it, you imagine something breaking at the house that you can't afford to fix.
Security guarantee - Living in a house alone scares you. It's reached the point where sundown triggers fears of being victim of a home invasion. There aren't enough locks and alarms in the world to pacify your fears. You demand a written guarantee from the universe that affirms that your house will never, ever get robbed.
Unknown future - Change, including the birth of more children, a breakup or a new job, scare you. You need to know that you'll be prepared to meet any impending change without having to move again. For you, a starter home won't do. You're seeking permanence.
You're right. Owning a home is about more than finding a house that meets your family's dwelling needs. Owning a home is about more than paying a mortgage. There are maintenance and repairs to be made. If your family expands, you may have to add on a room. There will be a lot of changes from the moment you move in.
Many of these changes will involve family and friends, people who you'll create endearing memories with. When that happens, your home will be more than a residence. It will be a centerpiece of some of your life's greatest memories. If you truly want to own a home, don't let fears block you from enjoying these experiences.