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How Much Should You Save For New Home Expenses?

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So you want to buy your first home.  (Exciting!)  You start saving for a down payment.  (Smart thinking.)  You begin your house hunt and find your dream house. (Yay!)  You put an offer in and it’s accepted.  (Congrats, home owner!)

Moving day comes and you haul the furnishings from your small, one-bedroom apartment to your new house.

You look around and realize you’ll probably need to buy living room furniture, a kitchen table, outdoor furnishings, possibly office and guest room furniture, new TVs, new decorations, and more.  Oh, and you’ll need a lawn mower.  And maybe kitchen appliances.  And definitely a gas grill.

That’s a lot of stuff.  And then it hits you: You probably should have saved for these things before you bought your house.

I’ve always been a big advocate of saving a New Home Expense Fund prior to buying your first home, but I’ve never really discussed just how much you should save.  Samantha asked me in a comment last week:

Samantha New Home Comment

I don’t really share actual dollar amounts on my blog anymore (since I go by my real name and all), but I will tell you that we did save a substantial amount for new home expenses prior to saving for our down payment fund.

I don’t think there are any percentage guidelines out there, so, based on the estimates we used, you might consider saving anywhere from 3% to 5% of what you expect to pay for your house – especially if you’re upgrading substantially in size.

But if you don’t like using percentages, you could even create a mock budget.  You probably already know many of the new things you’ll need (a new L-shaped couch is on our list and we know that will cost ~$1,500).  You can also scour the web to research the amounts other people have spent on new home furnishings (this recent post at Young House Love was helpful to us since they bought all new kitchen appliances).

Our new home expense fund is much smaller than our down payment savings, which is why we knocked it out first.  In fact, we probably saved too much (especially now that we don’t have to drop $1-$2k on a new king mattress).

But, having too much saved is never a bad thing and it removes a GREAT deal of stress from the home-buying process.  Going furniture and décor shopping it going to be SO much more fun knowing that we have the money ready to spend (and we’re not relying on credit cards!).

Thanks for your comment, Samantha!  I hope that helped!

Did you save for new home expenses when you bought a house?  Or do you plan to save for these items before you buy a house?

Creating A Daily Routine

Gretchen Rubin says it best in her book The Happiness Project: “Outer order brings inner calm.”

One of my goals for 2011 was to find a routine.  Not like a dance routine (I already found one of those), but like a daily, ordered routine.  Basically following a schedule instead of rushing around like a crazy person.  I thrive on a structured, ordered life and my husband and I both felt like our lives were a bit out of order (or … out of balance?) during the wedding planning.  Since we returned  from our honeymoon, it’s funny how easy its been for us to create a routine and maintain outer order.

When you have a major life event on the horizon and you don’t have much time for yourself, life starts to get a little crazy.  These are typically the types of things that happen (taken from personal experience):

  • wanting to use all your down time to relax because you have so little of it
  • not getting chores like grocery shopping done because you want to spend free time relaxing
  • rushing … constantly
  • waking up late
  • not having enough time for people … especially those you want to make time for
  • not cooking at home because we were always out of groceries (see bullet #2)

But everyone is busy.  I know that.  Everyone is busy in their own way and it’s relative to each individual situation.

Still, my husband and I both vowed that we would get our lives in order and get back to a routine once the wedding was over.

And we have.

And we’re much happier.

Here’s how our routine and life order has improved recently:

  • Getting up earlier.  For some reason, I struggled to get out of bed when I always stressed from the wedding.  Now, I’ve been popping out of bed in the mornings.  It’s a great feeling.
  • Going for morning workouts.  It’s nice to get up early enough to actually get your workout in before work so your entire evening is free.  Remember how I said I wanted to be a morning exerciser?  I’m starting to get there.
  • Getting off at a reasonable time.  Both of our offices have flexible schedules (which I’ve mentioned can be more of a curse than a blessing) and when you sleep late, you get in late, and you get off late.  With this routine, sleep and work eat up most of your day.
  • Cooking.  This is a new routine for us.  When I get home from work, I’ll start cooking.  (Even though I don’t really love to cook, I’m still pretty good at it.)  It’s nice to have a home-cooked healthy meal almost every week night.
  • Cleaning.  This is the best part of our new routine:  When I cook, G does ALL the cleaning!  It makes me a happy little wife.  So, I come home, cook, feast and then relax.  :)
  • Free Time.  And then there are 2 or 3 precious hours after dinner that are spent however we like.  It’s glorious.  We’ll usually read.  Or watch Family Guy.  Or G will try to turn on Intervention on A&E and I’ll tell him that show makes me sad so we can’t watch it and a remote control war will ensue.  That also happens when he turns it to sports.  Sometimes we’ll take a walk.  Sometimes we’ll have a happy hour with friends.  Sometimes I’ll work on blog stuff or tweet or Facebook.  The best part is that we have free time now because we’ve settled into a routine and we’re not rushing around constantly.  Gosh, I love that the wedding is over.

Back in college, I probably would have thought this routine was mega-boring.  But, today I love it.  Our routine has brought G and I much happiness.  Gretchen Rubin is right.  Outer order really does bring inner calm.

I think this means that I can scratch one more goal off my list for 2011.  Find a routine.  CHECK.

I’m planning to get together a blog post that includes tips for getting into a good routine.  What are your best tips for getting into a daily routine?

A Snack Lover’s Lunch Box

I am somewhat of a snack lover.  Okay, I’m snack obsessed.  I have a, uh, problem with snacking.  We rarely have snacky foods in our house; for one, because they’re usually not that great for you, and, two, because I will destroy whatever snack that is within days, if not hours.  If there is a box of Cheez-Its around me, watch out, it’s go time.

Because I’m so snacky, I usually don’t make traditional meals – with the exception of dinner.  This is especially true for the work week.

During the work day, I never really break for big meals.  I basically just graze all day (this does wonders for the metabolism, so I guess it works out well for me).

Because of my snacking and grazing habits (why does that make me sound like a cow?), my lunch box is not your average sandwich-chips-apple combo.

Here’s my lunch box for today:

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From left to right:

  • Turkey sausage.  I just discovered this and it’s surprisingly easy to make this microwave-style with some water.
  • Watermelon slices.
  • Crushed TLC Kashi bar + Plain Greek Yogurt.  I hardly ever eat anything but plain because the fruit varieties have so much annoying sugar!  I always mix the crushed bar into the yogurt.
  • Orange.  And a sad-looking one at that. :)
  • Amazeballz!  From Gina at The Fitnessista.  These protein balls are AMAZING and you must try them ASAP.  Close up picture below.
  • Cheese stick.
  • The makings for Chocolate Protein Oatmeal (my original chocolate oatmeal dish that I seriously need to post the recipe for).

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I eat breakfast at work, too.  With the exception of eating the Chocolate Protein Oats for breakfast right when I get to work, I don’t eat anything else at any specific time or order.  I just graze whenever I feel like it!

You might notice that I’m missing veggies here … whoopsies.  I don’t have any in the house since I haven’t been to the store this weekend.  But, veggies are regularly missing from my lunch box.  I LOVE roasted and sautéed veggies for dinner, but I always have trouble figuring out ways to fit them into my day (with the exception of green smoothies).

For someone who doesn’t love cooking, I still always bring a lunch box to work every single day no matter what.  My work is located in an area of Kansas City that is just ridiculously craptastic as far as restaurants/eating out goes (which I always say is a blessing in disguise for my wallet).  No matter what, I always find a way to throw something, anything together to eat throughout the day.

Expect more Snack-Lover’s Lunch Box postings in the future!

What’s in YOUR lunchbox today?

P.S. Can you please help Blonde & Balanced reach 100 fans on Facebook? :)   Like me here!

An Exercise In Not Hating Cooking

oatmeal cook at home

I seriously dislike cooking.  Really.  I would rather clean bathrooms than cook.  I would rather mow the lawn, pull weeds, or trim shrubs than cook.  I would rather change poopy diapers than cook.  Well, maybe not poopy diapers, but I would rather do a lot of things than cook.

I’m not a bad cook.  When I do cook, the food is usually edible and somewhat tasty.

Like many people, it’s the process of cooking that I dislike.  I’m not a huge fan of finding recipes and creating ingredient lists and then shopping for those items (grocery shopping – *shudder* – I hate it more than cooking).  Then there’s all the pulling out of the dishes and pans and utensils and spending an hour in the kitchen preparing the food.  And then, after you enjoy a brief moment of bliss while inhaling your masterpiece, you’re left with a dirty kitchen and a collage of dirtied dishes.  Yep.  Not too exciting in my book.

    Even though cooking is not on my list of favorite activities, there is something I’ve realized about disliking things:

You increase your dislike for things by your own thoughts and actions.

    If I didn’t talk so much trash on cooking, I probably wouldn’t dislike it so much.  If I didn’t dread it, I’d probably grow to enjoy it … a little bit.  And, mostly, if I figured out some ways to make cooking more efficient and enjoyable, while also stumbling up delicious recipes, then I think I could be one of those people that loves – or at least tolerates – cooking.

With that in mind, I think you have to look at the bright side – find the things you do like about the activity and/or change the things that you dislike about that activity.

There are a few things that make cooking more enjoyable for me:

  1. enjoying a glass of wine whilst preparing the food
  2. cooking on a weekend night (spending 2 hours in the kitchen after work just isn’t my cup ‘o tea)
  3. cooking with G
  4. grilling (which rarely never happens, because we live in an apartment that doesn’t allow that sort of fun)

These are the things I would like to change about my cooking habits:

  1. time spent cooking and efficiency of my cooking (I need to plan better)
  2. meal-planning in advance (no spur of the moment grocery lists)
  3. cooking things I really enjoy (printing/saving recipes as I come across them)

And I have a few criteria for the types of meals I cook.  They are:

  1. healthy
  2. cheap
  3. quick
  4. tasty

I don’t care to cook if the food is unhealthy – what’s the point?  Besides, that’s one of the perks of cooking – it’s usually healthier than store-bought or restaurant-served food.

For now, I want to learn more quick recipes.  I’m never going to become a lover of cooking if I kick off this voyage with hours-long cooking marathons.  I need to ease myself into this hobby.  Start off with some sprints, then try out some 5Ks, and then think about a marathon.

What brought on this desire to cook, you ask? 

  1. Mainly because of all the cool kitchen gadgets and tools we’re receiving for our wedding.  My gracious friends, family, and co-workers are throwing us four – yes, FOUR – wedding showers.  This equates to a kitchen full of handy doodads that will make cooking easier and fun.  (And, by the way, we are SO happy to be finally retiring our cookie sheets from college and hand-me-downs from our mothers.)
  2. But, it’s not just the new kitchen paraphernalia, it’s that whole future family thing, too.  I was lucky enough to have a home-cooked meal on the table every single night during my childhood.  Some of my favorite family memories are of normal weeknights at the dinner table.  We want our future family to have those memories, too.
  3. And, of course, for my physical and fiscal health.  Eating out is generally unhealthy and expensive.  Although I love to be served, I want to start cooking for my family more often than not.  And, just so you know, G is a great help in the kitchen.  When we cook at home, it’s always a joint effort.  I may lead the way, but he definitely contributes half the effort almost every time.

I plan to start researching recipes and looking for ways to make cooking easier.  Things like printing off recipes from blogs, keeping a running grocery shopping list, meal-planning, and blogging about the process are in my future!

Do you like or dislike cooking?  Tell me about your cooking habits!

{source: a hilarious comic about cooking at home from The Oatmeal}

Buying Our First Home: Finding Budget & Spending Balance

First-time-home-buyer1This is the first post in a new series on Blonde & Balanced – Buying Our First Home – where I’ll chronicle our process to first-time home ownership!

A new home is in my near future!  If things go as planned, we’ll start looking for a new house – and become first-time home owners! – in the first few months of 2012.  We’ve always had the same budget in mind, but it’s a wide price range (not a high price range … the two are very different!).  We never plan to buy more house than we need, but how do you find that sweet spot between being too frugal or spending at the top of your price range?

Our price range spans about $100,000, meaning the lower number in our price range is $100,000 less than the high-end of our price range.  Even if we buy on the upper end of that range, we’ll still be within our budget – we’ll just be at the top of that budget.

The question is, do you sacrifice and spend less or do you go all in and spend more?  We’ve been living in apartments and spending frugally for many years, always thinking of our dream house.  Part of me wants to go big and get everything we want (within the budget).  But the other part of me wants to go frugal and buy at the lower-end of our budget so we can pay the house off several years quicker.

Since we never really bought a “starter” house, we’ll likely be in our first house for many years to come – maybe even until our kids graduate high school.  When I think of that, I want to go for the dream house at the higher end of our budget.  We’d still have it paid off by then, it would just take a little longer.

The zip codes where we’re looking at homes in is the biggest driver of our price range.  If we wanted to move back to our hometowns (other suburbs in Kansas City), we could probably spend about $100,000 less on a home.  Sounds tempting, but we’ve made a new home in our little space of Kansas City, we love this new “area”, and it’s closer to church and our jobs.

There is something enticing about owning a home with 5 bedrooms, a 3-car garage, a finished basement, an updated kitchen, and a huge backyard.  We could easily find that for an affordable amount in other neighborhoods, but it’s doubtful that we’ll find it where we’re looking to buy.

I guess I won’t know for sure which end of our price range we want to spend in until we start house-hunting with our future realtor.  Who knows, maybe in 9 months, the housing market will be on a rebound and prices will be rising.  Or maybe we’ll even find our dream house with all those extras at the lower end of our price range (now, THAT would be ideal).

In the meantime, I do plan to continue this series – Buying Our First Home.  I think many people are interested in what it’s really like to save for, plan for, shop for, and buy a new home.  We’ll be in the planning and saving for stages for several more months, but the house-hunting will be here before we know it!

What topics would you like to see in the Buying Our First Home series?

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