Hopefully the last time that we moved house

 

Dear Bloggers,

I have moved house four times in just over twenty years. You think that my family and I would be really good at moving, but there is always something that trips us up every time.

After having lived in the same house for 23 years, I left my parental home and moved in with the girl I fell in love with. She rented a little Apartment in a medium sized village. We bought our first house in the village where I was born and where I grew up. Although I was young and restless and had my challenges fulfilled as a man with tons of ideas. In the army I found that life could be tricky and some of us are not getting really old they faced death at an early stage. After that I worked in discotheques and restaurants served people with joy. Although these jobs were for the summer season and I had to work in factories during the rest of the time and it was not paying that well. I started looking for a new challenge and went sailing on a small cruise liner. Here I found joy only thing that was missing was my little miss. Being homesick I left after one cruise and picked up the old jobs again. My dearest surprised me with an application for a new starting route with Scandinavian Seaways and a job as a waiter. After getting married and our first born a financial crisis struck and I lost my job. I tried many different paths but nothing brought real satisfaction. I was so happy when I received a phone call to serve on the Hamburg to Harwich route. Difference was leaving to loves of my life behind to live my dream. We moved to another small village close to my wife’s parents so they could babysit if necessary. And we were talking about a second child as our former home was too small for it. Then the Tax office was making mistake after mistake and almost seized our home as we started to run out of money. I have the mentality of a streetfighter and don’t give up easy. We sold our house and got challenged to get a much lower mortgage and less to live in. We went from a new home to an old and lived out house and had to start all over from scratch.   

 

I had a dream that wouldn't let me rest. I wanted to renovate our old home and turn it into the house that we wanted.  My wife bought into my vision and after almost ten years we looked for a house that we could afford and that we could transform. The deadline for the sale of our beautiful home was coming closer and closer and we had a fourth night left to pack our stuff and move on.

In February 2018, we finally found it - an old, never updated in the last forty-some years. A little family home that was about to be collapsing under its conditions. It didn't have many features - except for a farmers door as a front door, floorboards that were moving with you. It had an outdoor laundry room in the shed and a very tiny toilet room and a tiny, dirty kitchen that was barely functional. Even the electricity had to be removed as it was more than forty years old. Also the plumbing had to be redone. So we took the floors out and started from scratch to remodel the intestines of the house. Fortunately, it had a bit of a yard were we could drop of all the old crap that was removed, the company having containers for all the wood, doors, drywall, bricks, concrete and whatever had been stuck in this house was located close to our house. We had several of them and if you sort it out it saves a pretty penny. After everything was renewed and brought up to todays standards. The foam concrete floor was poured and the underfloor heating was installed the next day. A week later the screed floor and the next week the tiled floor. Finally it was habitable again. In the weeks that followed, the electrical work was done and the plasterers did the walls downstairs. The upstairs was now ready for use because we lived in the middle of this construction site.

At a certain point, the ceilings were also installed and the house could be furnished with all the things that were in the garage and after almost 4 years of renovation, not all of them looked as good anymore. That night I woke up to a searing plastic smell. I looked out the window at the front and saw a bit of smoke. I had a bad feeling and went downstairs to see if everything was okay. I opened the back curtains and saw a flame dancing behind the garage window.

I raised the alarm and ran upstairs woke the children and sent them outside my wife grabbed the dogs and went out the front door. All my tools and materials burned as well as some of the furniture and all the paperwork and our other clothes. The blow was hard and complicated for someone with a trauma and two relatively young children. Yet we would overcome this too. Tough as nails they say. Even though my wife could not find her way as the city has its noises like: traffic noise. screaming sirens of fire brigade, police and ambulances. But also drunken youngsters on weekends and holidays were not uncommon. All year round some stupid guests let off firecrackers which made the dogs react rather nervously and bark out of fear. We decided to sell the property and find something more quiet again. We successfully found a house that needed a great bit of love to make it up to our standards again.

 

So we bought it. The pressure was then on to fix up our current house and pack up our stuff. We had to do a load of work to get the house ready for moving day. And a month is not enough to get everything up and running. Impossible is not in my vocabulary and everyone tried to be ready on the deadlines, not easy for the people that had to do the jobs. The bathroom was one of the issues as the guy that had to install it just gave up on us as he had no time left. My contractor found another plumber and the electrical work I took up for a great deal myself and another company made the new outlets for the freezer and the fridge. Still not everything is done but there is time now to do things later like painting the ceilings and walls.

 

Also, the garage floor needs to be demolished and then re-poured and will have underfloor heating and a tile floor put in. Furthermore, the garage will be split. the front will be my workshop and the back will be the utility room and laundry room for my wife. So still a lot to do in the coming time. Someday it will all be done and the dream will be complete. When I reach retirement I hope the chores will be over.

There is something about living in a house for a long time. You accrue a lot of things. And dare I say, my wife is most probably a hoarder. I am the one that keeps a lot of stuff if it comes to building. Tools I have average. We had quite a big garage, but the amount of stuff I had stored in there was phenomenal (that even excluded all the equipment for the garden I had stored at another location).

Planning the move took a lot of time and lots of tiny decisions. We planned on moving out the big things, the things we could see. Anything we didn't need for a couple of months we packed up and sent to our new rented storage room that we had in regional storage center. I spent countless nights boxing things. And registered all the goods in a spreadsheet. By the time we had our first open for inspection, it looked like we lived this magical, idealized life of a tidy house and lots of floor space (see photo above). It was like living in a sales folder with the perfect family.

 

It felt like a mirage.

When we finally moved (and had still five months) to prepare, we thought it would be easy. After all, we had most of our things in storage and we had also sold or donated a lot of things. I booked a big truck for a day.

By 2pm on moving day, it became painfully obvious things weren't going well. There were still so many boxes to get into the truck. By the time we arrived at our new house, it was dusk. We decided to stop for the night and get the rest tomorrow. The next morning we started early again and literally shoved all the furniture into our new house (so we couldn't use any rooms except the bedrooms).

Thankfully, we weren't living there on the first night. We went back to our old, clean house and slept on mattresses on the floor. We were exhausted and got a little scared of what laid ahead.

The next day was even worse. It was settlement day. I started cleaning and packing up the bits and pieces strewn around the home at 6am. By 10.30am, we were getting frantic calls from our real estate agent about when we would hand in the keys. At 11am, I had to go to the solicitor for the legal paperwork our real estate agent was not there as they were having a day out with the personnel.

We got out of there by 10am the sale had gone through. It seemed like a tiny cause for celebration.

In the end, it wasn't the big pieces of furniture that made our move so traumatic. It was all the bits of stuff we had accrued that I didn't know existed, as well as all the little things I didn't know what to do with. Random cables, pieces of plastic from unknown items, storage containers, pet toys.

 

Yet, what I severely underestimated was that it just wasn't our physical stuff that took a long time to sort, it was also the emotional baggage that lay trapped underneath. From exposing a hidden conflict with my spouse - her deep need to be surrounded by a lot of stuff and my need to have very little, as well as the more held back emotions of my wife as she started feeling lonely as I was not the best guy anymore as I forgot about us and was to busy with all the things to keep running our daughter (who is still traumatized by leaving her okay city home).

The annual house moves took a toll on both of us and trying to believe we were finally moving back home to a settled and easier life. The vision of a beautiful, clean and bigger house that was all ours had long lost its shine (or as our 20 year old proclaimed, "You have been promising this house to me since I was 16 and now I'm planning when I can leave home."

Yet, the whole experience has taught me a lot about when I can push people to change and when I cannot, as well as not ignoring the little things  become so overwhelming and energy-zapping.

During a move, you know not to throw every family member's clothes into one big box. You sort them into individual boxes. It makes it so much easier to unpack when you get to your destination.

 Change isn't something that comes naturally to humans.

 

A quote I heard recently "The old needs to drop away before the new can arise within you." Yet, we stubbornly hold onto the past and fear the new. Moving house is a process of allowing the old to fall away. It can be traumatic because we become so emotionally attached with where we are. Yet, sometimes there is something bigger and better waiting for us that we need to experience, in order to be the person we want to be. 

Everyone evolves at their own pace. Planning a big move or change is really about giving our brains the time it needs to absorb that a new life is ahead of us. Some of us hold on tightly to where we are because it feels comforting and safe, while others jump onboard the change train gleefully and excited. 

It's not until we have moved that we can finally let go of our old daily habits and behaviors. Sometimes the move is positive as we experience new things that light us up and give our lives meaning and joy.  Other times, the move is negative and we find ourselves trapped in a small place that feels like our freedom and autonomy has been reduced. What I learnt is to keep the dialogue open between family members. Focusing on the dream house didn't work with one teenager. Giving them the time and space to vent and complain seemed to be what they needed, as well as not reacting negatively to things they said that were hurtful. 

In years to come, I know I will look back at this time as when myself and my family transcended our limitations and stepped into a new reality. A time when we all learnt individually who we really are and how to interact better with one another during uncertainty and pressure.

 

The Old Sailor,

 

Selling your home can be pretty stressful

 

Dear Bloggers,

 Yes we are moving again and our house is for sale at the current time. And no we did not find a new place yet although we are having a Plan B to live somewhere in a holiday park for the time in between homes. We did a lot of work to make it our forever home and yes we succeeded pretty much. There are some points that still need attention for example the bathroom needs to be redone to make things more into todays color schemes. That is something for the new owners to do. Our house

 

Our current home is for sale 

Selling a home can be stressful from start to finish. There's so much riding on a home sale that many homeowners spend the time selling their home sitting "on pins and needles," as they say. It's hard not to worry. From the moment that a home is put up for sale, homeowners must ask themselves: what will we do if the home doesn't sell for enough money? What if it takes to long sell? These questions and concerns are valid.

 

Everything outside the house was freshly painted last year by my wife

Fortunately, there are things that you can do to make the home selling process go more smoothly. If you're a homeowner who would like to sell your home sometime in the coming months, you can make the process easier on yourself by working with a professional real estate agent. Below, I've listed the top 10 stressors that homeowners experience when trying to sell their home.

The new staircase was installed

Selling Within the Timeframe

Most homeowners need to sell their home on a deadline. If they can't sell their home by the time their new job begins, or by the time they've started to pay the mortgage on their new property, they could experience hardship that could lead to loss of money. Homes tend to sell quickly at certain times of the year. Putting the house up for sale at a time of year when buyers are looking can help the home sell faster. Homeowners can also help their home sell more quickly by pricing the house right.

 

New powerlines, telephone, gas and also the sewagepipes were renewed

A house that is priced too high for its worth could take a long time to attract the right buyer, and may never attract the right buyer if it remains priced too high. Incorrect pricing can be avoided by working with a real estate professional who understands the real estate market in the area and who knows how to analyze the prices of comparable homes in the area.

 

Selling for the Desired Price

Most home sellers have a target price they're aiming for when they put their house on the market. They often feel anxiety when they wonder what will happen if they don't sell their home for the right price. When an offer comes in below the expected price, this can create feelings of hesitation. Do they accept the offer or not? This is another reason to work with a real estate professional who knows how to analyze the price of comparable homes in the area. 

The rebuilding of the garage after being on fire as the powerlines were not installed according to standards. everything inside was burned. 

A capable real estate professional can help set expectations so homeowners know what to expect when they put their home on the market. Although a real estate professional is not able to predict the future, they can often help homeowners decide what price is realistic, so hopefully the homeowner won't be expecting a price that is much higher than it should be.

 

Handling Home Improvements & Home Selling Preparation

Homeowners often feel a lot of pressure to make their house look "perfect" without really knowing what buyers want. They often put effort into home improvements without knowing whether those improvements will pay off.

 

Homeowners can assuage these concerns by setting up a consultation with their real estate professional before listing their home. Their real estate professional can give them advice that can help them decide what home improvements are most important to do now.

 

The garden has been finished and landscaped this year a costful operation

Fear of Offers Falling Through

Once an offer does come through, it takes a while before the home is officially sold. During that time, the offer can always fall through. Homeowners who are in a hurry to sell their home quickly often feel anxiety that they will not be able to stop the offer from falling apart. A good real estate professional can help with any negotiations that could prevent the home sale from falling apart. An experienced negotiator can help keep buyers interested. Even if their enthusiasm for the home buying process begins to wane.

All the walls have been redone as the former owners only lived here for 40+ Years

Timing the Sale of the Home with the Purchase of a New One

Selling a home and buying a home at the same time can be an especially touchy process. Usually, home sellers want to sell the home shortly before the purchase of their new home is final. Home sellers often feel worry that their home will either sell too soon before the purchase of their new home, or that their home will take a long time to sell after their new home has been bought. Both situations can lead to financial hardship for the homeowner. Homeowners who want to time the sale of their new home purchase properly should work with an experienced real estate professional for both the sale of their old home and the purchase of their new home. Having a partner who can help them at both ends of the transaction can help with the timing.

We had to put in a new kitchen as well as the wooden floor was in that bad condition that you actually could fall through. We now have foam concrete floor with underfloor heating. Best decission i made

Anxiety Over the Unknowns in the Selling Process & Timeline

Lack of control over the selling process and timeline can make some homeowners feel like they're out of control generally, which can lead to overall feelings of anxiety. Homeowners who feel anxiety over the home selling process and timeline should write down a list of questions for their real estate professional at the start of the home selling process to help them feel like they know what to expect throughout the transaction. It's important to find a real estate agent who is a good communicator, who can help the home seller understand what's happening throughout the home selling process. Most home sellers have a greater feeling of control over the selling process if they know what to anticipate every step of the way.

Our diningroom and coffee kitchen counter we had plenty to remodel this to our home.

Being Unsure if Buyers are Interested

Sometimes when a house sits on the market for a long time, home sellers may become concerned that buyers are not interested in their house. This can happen for many reasons. If the house is priced incorrectly, or if the house is not in good condition, then buyers can be hard to bring to the table. Often, sellers find it hard to believe that their home is not attractive to buyers. Sellers expect their house to be attractive to buyers because it is attractive to the sellers. This kind of perspective can make it difficult for sellers to make their home more appealing to buyers. Sometimes, painting a room can be helpful. Other times, the house needs to be repriced. For home sellers, the best way to attract buyers is to work with a real estate professional who can make recommendations for repairs or changes that can bring buyers running.

 

The bathroom stayed in her retro look all the pipes have been checked by a pro, so everything is functional but out of date. 

Handling Negotiations with Buyers

Negotiating with buyers is one of the key parts of selling a home, but many homeowners have little or no experience selling much of anything. This makes negotiating with buyers stressful because most home sellers feel unprepared and unable to handle the negotiations themselves. The best thing that home sellers can do to negotiate with their buyers is to work with a trustworthy real estate professional. It's also important to listen to that real estate professional as they often give advice to sellers. However, it is the seller who is ultimately in control of many of the actions that the real estate professional takes when trying to sell the house. Working together as a team, the real estate professional and home seller can help make the negotiating process better overall.

 

Our backyard and garage we loved to sit outside during the summertime

Difficulty Keeping the Home Clean for Showings

Sometimes, it takes several home showings before a buyer makes an offer on a home. In between those tours and showings, home sellers often spend hours cleaning and staging their house. This can lead to wasted time, stress over keeping the house looking its best, and even fights among people in the household as everyone feels pressure to keep their house looking its best.

For many homeowners, the solution to staging and preparing the house between home showings is to have the house professionally cleaned on a regular basis. Some homeowners will even hire landscapers to cut their grass, water their plants and weed their garden to boost curb appeal. Having professional resources on hand can help reduce the anxiety out of maintaining a home.

 

The Masterbedroom Which is for Dutch standards not to bad.

It's also helpful to work with a real estate professional. A capable and skilled real estate professional can make recommendations that can help homeowners know where to direct their energy when staging their home. This can help homeowners feel some sense of relief that, even if their home is not in perfect condition when home buyers come to see the home, the house is still tailored to the needs and tastes of home buyers. This can help make the experience of preparing for home showings and tours easier overall.

Getting Out of the House for Showings

During tours and open houses, the homeowner leaves their home open for anyone who wants to come in and take a look at their possessions. For some homeowners, doing this can be very challenging. Leaving the home open for anyone to wander in means making the house vulnerable to scrutiny and perhaps even security concerns. This is not easy for some homeowners.

 There are many things that home sellers can do to assuage their own concerns. To begin with, listening to their real estate professional about staging tactics can leave the house seeming less vulnerable overall. Most staging tactics involve putting away personal items that would make the home seem a little less generic and a little more intimate. Not only does this make the house more secure, but it can also lead to bigger offers from home buyers.

In addition, it's also important to work with a real estate professional who will keep a watch over the belongings in the house while the house is being toured by potential buyers. This helps keep the items safe and can even help keep the house itself safe.

 

Our garage and our backyard seen from the sidewalk

Work with a Real Estate Professional

When the time comes to sell your home, the most important thing you can do to make the home selling process easier overall is to work with a real estate professional. Your real estate professional can help you by providing advice and guidance throughout the home selling process, interacting with potential buyers, and by serving as your guide while the house is being sold. 

 

An impression of our groundfloor done by our real estate professionals people

In most of the cases that I know as we have been viewing some new homes for many sellers "...it would make sense to step aside for a little fresh air and let the professionals do their magic."

By working with a real estate professional, you can alleviate much of the anxiety you might feel while the selling process is taking place.

The Old Sailor,

 

 

Being a Homeowner is not always easy

 

Dear Bloggers,

 

We have lived in our house for almost five years and my wife wants to move back to the little village on the lake were we once started as homeowners. The lack of houses is making the market going wild and it got overheated. Although homeowners that want to sell have to bring their prices down as the energy market has become impossible for many Dutch families. Something to consider for the coming years. So we need to hold our horses for a while until they realize that we are not going to buy that far over budget.

new and old situation

How to budget for a new home so You don’t end up house poor.

Before buying a home, figure out how much house you can truly afford, including a budget for maintenance and repairs.

I have discovered that I was house poor soon after we bought this house in 2018.

When I put 10% down on the 300 -square-meters property with a  111-square-meters house in the city of Sneek, Friesland in the Netherlands, a district on the outside of Sneek, I was surprised to find out what we had to pay, which initially was €162.000 on mortgage.

Above the new situation as the hedge was a fire hazard and the garden was fully out of shape.

Heating the poorly insulated home was also more expensive than we thought it would be. To make ends meet, the budget had to be extended as 52-year-old  we had to take out a home equity line of credit.

“I quickly found that I was spending at least half of my small €46,000 income at the time on being a homeowner,” I never tried this before. “It turned into the home owning me, as opposed to me owning the home.”

While buying a home can be a sound investment, it can also become a financial burden. Here’s how to think about your housing budget so that doesn’t happen to you.

Bovenkant formulier

Getting ready to buy a home? Hire a financial advisor that does all the math for you and sees into the fact that there might be extra costs on remodeling the house. Constructional things can cost a lot of money.

Total renovated the entrance hall and the staircase has been replaced

Onderkant formulier

What does it mean to be house poor?

Someone who is house poor spends so much of their income on homeownership — such as monthly mortgage payments, property taxes, insurance and maintenance — that there’s very little left in the budget for other important expenses.

Being house poor can limit your ability to build up retirement or other savings, pay off debt, travel or enjoy life. Yes been there, done that and got the T shirt.

“I did not have the money for going out with my friends anymore, going to restaurants, or enjoying time as a 50-something-year-old.” It was an extreme time to survive “I was selling all kinds of stuff on Marktplaats, trying to make the heating bill payment.

A total rebuild of the kitchen required a new electrical system due to induction cooking

In fact, 28% of recent home buyers say making their monthly mortgage payments will be among their biggest money stressors for the next two years.

Budget before you buy

Before shopping for a home, it’s important to figure out how much house you can comfortably afford, which may be a different number from the maximum mortgage you can get approved for.

“A reconstruction calculator is definitely a good starting point for helping to determine your housing budget,” says Gerrit who is a certified financial planner. “However, they also require that you have a strong understanding of your cash flow today — what income is coming in, what expenses are going out and what amount you are saving.”

On the top picture you see the new electric system on the lower picture the old one

One rule of thumb is that you shouldn’t spend more than 28% of your gross monthly income on housing-related costs and 36% on total debts, including your mortgage, credit cards and other loans. This is 64% in total

everyone’s situation is different, and the rule doesn’t take into account the need to leave room in your budget for things like furniture, as well as maintenance and repairs. Plan for upkeep and upgrades

The cost of unexpected home repairs and ongoing maintenance can take you, in particular, by surprise. Even a house that was in very good condition on closing day will inevitably need some big-ticket fixes over the years.

I realized just after moving into this new home that the roof had a leak and the draining system needed some work. So I got a roofer over to fix the problem and this took about €4000 out of my budget for remodeling.

The old living room 

41% of people who have purchased a home in the past 12 months say their biggest money worries in the coming two years will be affording home repairs and maintenance.

The new living room

Saving 1% of the property’s value is a good starting point for maintenance expenses per year.

But, you may need to scale up to 2% of the property’s value based on the age and condition of your home, ours is from 1966, repairs you have already made, and the life expectancy of housing components like the roof or furnace.

Bovenkant formulier

Onderkant formulier

Tips to avoid being house poor

Even if you plan properly for a home, it’s possible to become house poor if a job loss or medical emergency leaves you unable to pay your bills.

Painting the outside of the house

In 2018, when we decided to purchase a home with my wife, I knew we wanted to do things differently. I Thought that we as a couple bought our “dream house” after living so frugally for nine years that we could pay off our debts and save up a 20% down payment. Even so, we took out a smaller mortgage than we could have qualified for. After two years of renovating our house to a home again we ended up in extra costs of about €100.000 We took the electrical wiring down and rewired most of the house. All the draining was renewed and also the water and gas lines. We took the wooden floor out as it was rotten and got a  foam concrete floor with underfloor heating a total new heater with new high efficiency radiator panels upstairs, we placed insulation between the floors and still there is some work left to do in the coming years.

Soon on our house you might see a sign like this

“When you're absolutely sure you want to live somewhere for the long term, buying a home with the proper down payment and an understanding of the true costs of homeownership can be a great experience,” I am having a bit of experience through the years. “I found that with my third round of homeownership.” And we are getting ready to take step four.

 

Someday, sometime and somehow the new adventure will start soon I hope

 

The Old Sailor,