How a House Move Can Be a Blessing in Disguise

house move

Moving house is one of the most stressful things that you can do in your life. While the future can feel a little uncertain at the moment with all that is going on in UK politics, there are still plenty of people that will want or need to move home. Some people will put it off until they know what is going on with the economy, but some will just want to get on with a house move. We just want to get on with it. Yes folks, we are looking to move house. We are still doing some interior design things here as who knows how long it will take to find the right place but a house move is on the cards for us.

Moving house doesn’t need to be a huge or traumatic life event. There are many benefits to moving, so in actual fact, moving home can be such a good thing. 

Clearing Out the Clutter

When you move home, especially if you haven’t done so for a number of years, you really have to sort through your things to decide what you do or don’t want. There can be many things that will have accumulated in your home or been put in storage that you forget that you ever had. And if you are moving far, such as from the UK to a different country like Ireland, it will make your removals UK to Ireland much more straightforward than if there is a lot less clutter and junk to take with you as well. Moving gives you the chance or motivation to get it all cleared and sorted. This is what I am hoping anyway as we need a massive declutter and sort out session and a house move will get me started on this (mammoth) task.

Move House and Forge New Friendships

When you move to somewhere new, even if it is moving to somewhere not that far from where you were before, it gives you the chance to meet new people and start some new friendships and relationships. You will have new neighbours and new people living locally to you. Of course, you can still keep in touch with everyone else from your previous address, but having new people in your life can be a really good thing. I’m all for meeting new people so for us, this is a plus.

Re-evaluate Life

Moving home is a really unique chance to reflect on your life. A house move can take you out of your comfort zone, which may not feel like a good thing, but in terms of self-development and improvement, it opens doors to new opportunities and some self-reflection. A blank canvas, a new page, a new chapter; a house move offers you all of this and more.

Cheaper Bills

When you move you have an opportunity to reassess your outgoings. Will your rent or mortgage be cheaper, what about your gas and electricity? We saved a fortune the last time we moved as the new house had a new boiler and double glazed windows, plus we moved to a newer, greener energy company. 

In Summary

Moving house can be stressful, expensive and time-consuming. No-one is going to argue with that! What you do need to remember is that there are a lot of good things that come out a house move including new neighbours, a better home layout, a shorter commute, cheaper bills, a big declutter and more. Don’t let the fear of the moving process put you off if a house move is what you really want or need.

Our Future Finances

customers, finance futures

There is little more adult-like than starting to talk about pensions, putting things in place for our children’s futures and that sort of thing. Our future finances are something that we’ve been talking about recently because at the end of the day, one day our boys will be grown, we will be looking at retiring and we do want to spend our later years doing things that we want. Like everyone else, unless we start playing the lottery and win, we are going to have to find another way to fund our future bucket list or dream shopping list.

The beauty of the modern world is that you have options these days when it comes to arranging how your future finances will look. Here are just some of the things that you can look at doing in order to make sure you have pennies available for later in life.

Savings

We are diligent when it comes to savings. The first thing we do every month is put money into our pots before paying bills or anything else. I used to find that if I waited to see what was left at the end of the month before saving, that for whatever reason, there wouldn’t be anything left. Funny old thing that.

We split our savings so that we have rainy day savings, car/maintenance savings, future “don’t touch this” savings and so on.

Property

I know many people who are planning on using their property once their mortgages are paid off to work as a kind of pension for their future. I know others who plan on using their property some way to help them fund their retirement bucket list. I think this is a great way to maximise (and fund) the fun and mischief that you can get up to later on down the road. Having bought a house and paid it off, you have much more flexibility in how you will fund your future financial needs.

Pensions

Pensions are important. You can find out how much your state pension will likely look like by registering with HMRC and looking on your online tax account. There are numerous things that may affect how much state pension you will get. It isn’t likely to be enough to live on.

We have worked hard to maximise what we will get back from our pensions and the workplace pensions can be brilliant if you have the right provider and a decent employer. I am not employed, being a freelance copywriter and of course, therefore, don’t have a workplace pension. There are other private pensions available however so thankfully we’re covered.

Lottery Win

A substantial win on the National Lottery could very well cover our future finances in terms of allowing us to do what we want to do once we’ve retired. The thing is, I’m not one for gambling on my future and at £2 a line I’d rather put my pennies into savings.

Bucket List

What are our future finances for? We have big plans, small plans and of course, we want to be able to be comfortable when we are no longer working. Just some of our plans include travel, learning new skills and perhaps some smaller local projects that we’d love to have the time and money to help with, without compromising on paying our bills.

Your Future Finances: The Conclusion

While saving towards your future finances and looking for ways to fund your later years is nowhere near as exciting as spending your pennies on fun now, there’s a good chance that down the road that you will wish that you had. Think carefully about how you will manage later on, as tomorrow comes around quicker than we’d like, and get proper advice on how to manage your pensions, savings, property matters and more.

 

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