Published at Friday, February 15th, 2019 - 10:46:36 AM. Dream Home. By Alek Pulalo.
Visualise Your Dream Home : I devised this exercise some years ago when I needed to find a new home. Id just attended a workshop on creating your own reality and was greatly taken with what Id learned so I carefully noted down everything I wanted in my dream home and then set about trying to find it. No one was more astonished than I when a few weeks later I was offered a house to rent that not only ticked every box -- when I checked my blueprint I saw I had inadvertently written down telephone line twice, and the house had two telephone lines running to it. This is a powerful exercise! The technique can be used for a range of possibilities but, for the purposes of the illustration, Ive chosen a dream home. You will need some paper and a pen or pencil and, initially, an hour or so of uninterrupted time. But this is an on-going exercise, something you can keep adding to until youre completely satisfied with the end result. Whats crucial to success is identifying the limiting beliefs most of us hold that we cant have what we want, that we dont deserve it, that its not possible. Thats the hard part -- but help is at hand. Start by writing My Dream Home in the centre of the page and drawing around it a circle, a heart, whatever takes your fancy. Now youre going to sketch in lines leading out from the centre, like a star burst, and write down all the things you want in your dream home. You can start by writing down basics like electricity and gas supply, mains sewerage, telephone line, or you can assume those are going to be there anyway. Are you going to own this home or rent it? Write down things like freehold or good landlord and affordable rent. Do you like sleek and modern or something more traditional? Is it important that your home is well insulated, has central heating, double glazed windows? Write that down. How many bedrooms will it have? And why do you want that number? If you want one as an office or a workroom, could you as easily have a dining room that doubles up? Are you trying to fill your needs for both now and in the longer term? Is this home going to last you forever or are you creating something for now, knowing that as your needs change youll be able to create another dream home? (Youre going to have to answer an awful lot of questions to get clear about what you want, but its going to be worth it. You cant get what you want until you get clear about what you want.) When youre quite clear about how many bedrooms write it down. Do you want a separate dining room and kitchen or would you prefer them combined? Write it down. What kind of kitchen do you want? What will it have in it? Washing machine? Tumble dryer? Would you prefer a separate utility room? Write it down. Do you love cooking or are you someone who does the absolute minimum on that front? Will you need lots of equipment or very little? A breakfast bar or the kind of large kitchen table that everyone can sit around? This is your dream youre creating here and you make up the rules as you go along. If you find yourself thinking Ill never be able to afford that, keep reminding yourself this is a game, this is a dream youre creating ... for now! This is what I mean by letting down your walls of belief. Doing this exercise not only helps you get clear about what you like and what you want, it also helps you get in touch with those beliefs that stop you being who you really are and getting what you really want. The more work you do on this the greater are your chances of success because youre also working on your subconscious, giving it encouraging affirmations, wiping the old negative tapes and replacing them with new, positive ones. When you get to the point where youve had enough for now, stop. Youre doing some really hard work here and you need to acknowledge that. Were generally much better at quantifying physical work than mental effort and its important not to overdo things at this stage otherwise youll end up exhausted, especially at the beginning. Put it to one side and come back to it later but try and set aside a brief time each day, or perhaps three times a week, to keep working on your blueprint. As your vision grows start imagining yourself in your dream home, walking around it, looking at each room. How do you feel? Are you comfortable? Does it reflect who you are, who youd like to be? What colours predominate? Lush, rich colours or something more subtle? Are there carpets, wooden floors, rugs and runners? Is it full of things, a cosy, family home or is it elegant and minimalist? What do the doors look like, the walls, the lights? If you change your mind about something as your vision develops thats fine. Just change it on your blueprint. It doesnt matter how messy it gets. You can always do a neater version as you get more clarity. Are there any absolute essentials you couldnt live without? Do you need to be near public transport, within easy reach of the shops, close to people you care for or care about? Would you prefer to be out in the countryside or in the middle of a town? Are you passionate about the sea and dream of living within sight of it? Dont listen to the voice that says in your dreams. Write it down. Is your dream home somewhere hot and sunny, a retirement home abroad, perhaps? Just put yourself in that place, imagine it, smell the scents, see the colours and create your home in the local style. Is there anyone else to take into consideration, other members of the family, family pets? Its probably easier to do this exercise if youre doing it just for you but Im assuming your dream home will accommodate what family you have so I guess you might have to make a few compromises. If a husband needs a garden shed to take refuge in, a garage to store assorted paraphernalia, build it into your blueprint. If the kids need somewhere to store their bikes, if the rabbit needs some grass, put it all down. Is there a dog that needs exercising -- do you need to be near to a common area? Do you want a garden? How big will it be? Whos going to maintain it? Will there be hedges, fences, walls? Are you bothered about being overlooked, about privacy or would you be happy having neighbours you can chat to over the fence? Will there be a vegetable plot or just flowers and shrubs -- what kind? Put it all down. Something that needs to emerge through doing this exercise is a sense of responsibility for what youre creating -- and thats a tricky one. On the one hand Im saying go for whatever your want while on the other Im saying you have to take responsibility for what you create. But theres no point in dreaming up a home like something out of Footballers Wives if youve got small children which means youll have to cover up the swimming pool and spend all your time picking up their toys in a vast garden. It doesnt make sense to want a large garden with a vegetable patch if no one in the family has ever picked up a trowel, or to want an elegant, minimalist home youve seen in a classy magazine when you know youre really untidy and perfectly happy with that. You need to be realistic. This dream home has to be in line with your values and what you want out of life. Keep working on your blueprint until youre confident youve covered every possible detail. Then start putting energy into moving towards that dream. What are you going to need to do to move you closer? What are you going to have to let go of? The most important consequence of doing this exercise is gaining clarity about who you are and what you want. We so often spend our lives vaguely dissatisfied, not sure what we want but quite sure that we dont want what weve got. Ultimately you may end up taking a few tiny steps to bring your dream into reality -- clearing out stuff you no longer need, changing the use of a room from, say, a bedroom into a workroom or office. Or you might move on in huge leaps and acquire exactly what you wished for (even down to that second telephone line!) You may decide youre not quite ready for such major change, that there are other issues to resolve first. Thats also fine. You might want to put your blueprint away for a while and come back to it in six months, a year. It just might astonish you to look at it after that time and see that some of the things you wrote down have appeared, as though by magic. You see, once you get really clear about what you want, what you want tends to find you!
How to Afford Your Dream Home : Is it your dream to one day own a holiday home in the sun; a beautiful house where you can escape, relax and be free of the worries that seem to go hand in hand with every day life? Well, youre not alone! A recent survey by a well known mortgage lender in the UK revealed that up to one in three Britons not only dream about owning a home in the sun but fully intend to make that dream a reality some day. And in the US the number of Americans planning to one day buy that ideal second home haven is now up to three in ten people. Now let me ask you another question: - If it is your dream to one day own that beautiful home in the sun what exactly are you waiting for? Why wait for one day when you can make your dream a reality today? Here are just five simple ways that could free you up to make your ideal property purchase today. 1) Location, Location, Location There are still some very beautiful and highly affordable locations left in this wonderful world of ours - destinations that are less well known, less popular with tourists, less well developed maybe; but no less beautiful, no less welcoming and certainly no less safe! You just have to look a little further afield or think outside of the box and be prepared to do some of the real estate research yourself. The most popular destinations for second homes like Florida and Spain are very well documented and there are literally thousands of real estate agents to help you find that pricey holiday villa or apartment. But if you want to be able to buy up something that doesnt have such an inflated and unachievable price tag then look to less well marketed and tourist populated areas - find the next emerging market. Did you know that property in Northern Spain is a fraction of the price of property on the Costa del Sol, property in Northern Belize is a fraction of the price of property in the Cayes and property in central France is a fraction of the price of property on the Cote dAzur for example? Did you know Croatia and Bulgaria have beautiful summer climates and stunning beaches? Be a proactive pioneer and seek out the most affordable and desirable holiday home hotspots and make todays budget go that much further. 2) Jet to Let If you need to borrow to finance your property purchase consider buying an apartment, villa or house that can easily be rented out during the peak season in your dream destination. The weekly rental income you can generate from your property purchase will pay off the extra money you had to borrow to buy your dream home now rather than waiting until tomorrow. Once the peak season is over and youve generated the highest rental yields possible you can free up the home for a couple of weeks and you can take time out to travel to it and enjoy an out of season break in your very own dream overseas home. Once the holidaymakers who let your home have helped you pay off your mortgage you can either continue to take an income supplement from the property or refuse to rent it out and have it all to yourself - either way, jet to let is the latest way to afford that second home overseas. 3) Pool Resources If you and your friends or family members all share the dream of owning a second home overseas you could consider pooling your financial resources together to get on the second home property ladder. This will enable each of you to make your financial contribution go so much further - and if you draw up a contract between you all at the start which details who can have access to the house during which weeks of the year there will be no possibility of arguments later on! 4) Get a Fixer-Upper Many first time buyers in the local market consider buying a home in need of repair, renovation or just a cosmetic overhaul. Its a well known fact that homes in need of some TLC get sold far cheaper than perfectly presented show homes. Well, the same applies in every house market regardless of where in the world youre looking to buy. Therefore spend a little time learning about the local real estate market in your preferred country, find out about average costs of houses and then look for homes priced under this ceiling...all of them will be priced down because they require work. Always make sure you get a survey done on any home youre interested in to ensure youre fully aware of the work required then get building quotes etc., and cost the work up - obviously the more work you can do yourself the less money it will cost - and then go get yourself a fixer-upper and use some of your holiday time turning your second home into your dream home. You will be amazed at how well you can potentially push up the value of a second home by taking this path - in many countries overseas run down homes are undervalued because local people have no desire to take on the work. If you put in the effort and turn the house around, when you want to sell it you will probably be handsomely financially rewarded! 5) Release Equity If you have equity in your principal home - i.e., your house is worth more than the mortgage you have on it - you could consider re-mortgaging to free up this equity and you could then use this equity for a second home purchase. There are some major considerations to think about before taking this path however because it involves increasing your debt ratio. On the good side you can often reduce your overall mortgage interest rate when you re-mortgage and you will be putting the money you free up straight back into property. On the bad side you will be increasing your debt and your loan will be secured on your primary residence. This option can suit many people but you should speak to a financial adviser before taking this path. Hopefully these five simple ways have given you some food for thought - there are many ways to stop putting off until tomorrow that dream that you could be living today. Why wait until youre too old to enjoy a home overseas before you buy one!
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