I knew it’s not gonna be easy owning a house but it’s actually a lot tougher than I thought it would be. I don’t know how parents do it. For me, it was just my dad as the breadwinner and then, us 4 women in his life lols -like how men in the old generations are expected to take full financial care of their family, built like money making machine. Ps: Miss you dad, tq for everything you did for us.
Girls can do anything too. Still thankful that my sisters and I are brought up to be extremely independent. We do it/make it on our own.
PERSONAL simple advices that I didn’t take myself (I’m not a pro, just sharing):
1. Do your survey before buying a house. Consider all aspects, know the building materials etc. I don’t even know what brick my developer used until my neighbour drilled a hole through my wall. I should know more.
2. Do your calculation. Don’t just THINK that you can do it. Numbers will show if you can ACTUALLY do it. Don’t buy what you can’t afford now thinking that you’ll be able to afford in the future. When unexpected hardship like COVID-19 hit, my house was left empty for more than a year. It was more of a liability than an asset to me.
3. Don’t allocate 100% cash budget to renovation because you need cash for electrical appliances, furniture, water filter (lol) and many many many other things you just haven’t realized you needed yet.
4. Never pay 100% (which I did, dumb mistake). Negotiate payment terms.
5. You want nice things, you need to pay. Common sense but ya, don’t expect nice interior with cheap cost. No matter how cheap it is, work is work, there’s still a cost.
6. Hire an interior designer to start from the beginning for less headache. I thought I could do things through Pinterest pictures, I also tried getting quotations on my own, tried to compare prices and all but I still passed it to @be.studio_my in the end. Could’ve saved all that unnecessary hassle.
7. Do it step by step if you can’t afford the renovation. I personally do not want to go in debt(take a loan)/go over budget to do renovation. So, I gave up on backyard extension for now.
Can’t think of anything else for now but you can stay tuned for more #HomeWithDaph 🏠
payment advices 在 SAP Intelligent RPA Bot Demo: Manage Payment Advice 的八卦
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