IRL

First Time Homeowners Reveal What They Wish They Knew Before They Moved In

https://www.flickr.com/photos/106574022@N04/11705613613

If we're being honest with ourselves, no one really enjoys owning a home. There's so much responsibility and effort you need to put in to try to maintain the value, and let's not even get started on the terrorist cell known as HOAs. Instead, let's try to advise the next generation about what they're in for when it's their first time to buy.


Reddit user, u/liftlikegaston, asked for advice from experienced homeowners when they asked:

Homeowners of Reddit, what's the biggest thing you wish you would've known before you bought and moved into your first house?

Avoid Flooding Issues

Pay attention to the grade of the yard.

Where is the water going to flow or pool if it rains. Water issues are the worst.

Crusha79

Water can be so expensive and destructive before you even know that there's a problem.

And if water wants to go somewhere, like into your basement, or eroding your foundation, it is so shockingly hard to get it to do anything else. You can fix the problem and it's going to happen again and again because the water wants to go there.

effieokay

Check Them Pipes, Son

Biggest life tip I can hand over: Flush the goddamn toilet if you're viewing a property.

ballsosteele

Also - run the shower

We bought our house, moved in. first time I used the shower we realised there was a bad bit of piping under the shower and water was coming out into the space between floors. It was above our kitchen and we'd just paid to have the ceiling plastered. Had to rip down the plaster to fix the shower.

ringo_24601

Go The Independent Route

Do not engage a building inspector recommended by the agent trying to sell the house.

Go with someone independent that will be honest about all the problems. Attend the property inspection and physically view everything the inspector brings up as an issue.

humanbinchicken

I'm not the handyman I think I am. Fixing stuff is expensive and hard.

Yossi25

And really time consuming if you don't know what you're doing. I spend just as much time doing research, and I hate every second of it. I don't like fixing thing and it's the last thing I want to do after my long ass commute. But the dumb vent hood over the stove is broken and I don't have a clue how to fix it, so...

Mononon

Oh Yeah...People Have Kids...

That the 9 year old next door liked heavy metal.

And that he was going to get a guitar for his 10th birthday.

And that 14 he'd be in a band that practices in his garage. But his dad drives a snowplow and I havent touched a shovel 5 years. "Sounds great Tyler! You guys are really coming together!"

NowYouzeCantLeave

All great musicians had a neighbor who put up with them.

[usernameredacted]

Never Hurts To Ask

Right before I put in an offer on my house...my best friend told me to ask the seller if they will leave the {refrigerator,} washer, and dryer

"It never hurts to ask" he told me

That was over 10 years ago and Im still using the fridge, washer, and dryer that was left by the seller. All 3 are still running strong (knock on wood) and it really helped me out because at the time, I would have ended up buying really shitty appliances because I put all my money into the down payment.

So like my buddy says. It never hurts to ask.

Ron_F-ckin_Swanson

Think Of The 5-Year Plan

that I wouldn't be working for the same company 5 years later.

one of the reasons we bought our first home was because it was close to work. but was a long drive to the other jobs I had later.

ConCons_Husband

Stuff Is Expensive, Man

The cost of furnishing a house can get out of control. Close the doors to the rooms you don't use, get stuff used and in phases. You don't need to fill every room upon move in.

Vintage furniture is often of a MUCH higher quality than new.

Curtains/drapes/blinds are expensive.

banieldowen

Paint = Cracks

Learned this one the hard way:

Seller knew the foundation was sliding down the hill (1 story on top side, 2 stories in the other, outside access to bsdements, yes, basements plural), and had the foresight to paint over all the cracks above windows and doors before showing. Result was no visible indication of anything wrong until well after signing.

If you see a fresh coat of paint on only a few small areas, assume they are either cracks or patched holes. Either way, not good in large amounts.

Also, find out what walls are load bearing. Usually the sound it makes when you thump it with your hand will tell you, or look for indications of extra studs or braces. It can keep you from having major issues if DIY repairs are needed.

Lastly, make sure you know the actual borders of your land and any easements or utility runs. If a utility issue happens and they send a work truck out to tear up your lawn in fixing it, you could be chasing the utility company for years to get money unless you know where they have right of way and where they won't.

Oh, and bonus round: grab a buddy and identify which breaker controls what. One of you at the panel, the other running around with a lamp. Seriously, the breakers are probably labelled, but the time you trust that and go to replace an outlet or bulb or put in a ceiling fan, it will bite you.

jc88usus

Take. The. Time.

Aviod check list flat fee inspectors.

We hired hourly guy, found 33k problems, on 200k house, worth every penny. dont skimp on inspection. also follow inspector around so [they] can explain as they see stuff.

maw64911

They're Supposed To Be For Good. Right?

Avoid HOAs' at all costs.

They are evil, and generally run by people who are power tripping on their ability to control other people's lives.

jzap

Get It Done Up Front, Or Not At All

If you plan to slowly renovate or update over the 'next few years' you probably won't. Sometimes it's better it just get things done before you move in and then not worry about them every.single.day afterwards.

An example: we needed new carpet, decided to wait, then had to live with awful carpet until we finally decided to change it, at which point we had to remove everything from the rooms we needed to have re-carpeted. Pain in the butt. Would have been much easier to get it done before we moved in. Total cost of this major inconvenience? $1800. Wasn't worth the wait and stress.

KittenCuriousity77

Guys, Seriously. Don't Skimp On Inspection

It's the things you can't see that will hit you the hardest.

The plumbing, the electrical, the furnace, the rotted rafters and the termites.

That's why you use inspectors and don't be afraid to take a look yourself if you're up to it.

russianout

Make Changes Before You Bring In The Furniture

Paint it first if you want to paint it. Change the flooring, too.

Once you get everything in you'll still want to do it, and it'll be harder and more annoying to do because you'll have to move all your stuff again.

KaizokuShojo

Be On The Lookout For "For Rent" Signs

Be aware of and ok with the number and proximity of homes for rent around you. Neighbors can be difficult in general but it sucks having to get used to having new people living next to you often. Also, sometimes the homes are vacant for extended periods of time and the landlord might not keep up the appearance of the home in the mean time. Sometimes the renters move in without being prepared to take care of their lawn and take months to get the routine together, if ever

fashionsbylisa

Get On Your Taxes

ADJUST YOUR WITHHOLDING.

I know that things are slightly different after the 2017 tax law, but know that your mortgage interest is tax deductible. Mortgage interest is most of what you'll be paying for the first several years.

A lot of people are talking about the unknown expenses, but you should know that there's an unknown benefit too. My advice is rather than wait for the year-end tax return to reap the benefits, use an online withholding calculator, adjust your withholding allowances and get fatter paychecks every time.

not4u2see

Ask Yourself, "Am I Near An Airport?"

We live in Sydney. Purchased a house 4.5km from the airport. The first night we were in the house there was a god-awful roaring noise. Went out into the backyard to discover we had nailed it! Right under the approach for the East-West runway. When the planes came over we couldn't see the windows on either side and because the house was on a hill the flashing lights on the plane illuminated the backyard at night.

It wasn't so bad. The dog got over it eventually. It only took about three years. Man, did that dog door get a workout. The dog made more noise that the planes, seeing off the intruders.

sydney_cider

"Buy What You Need. Not What You Can Afford."

Buy what you need, not what you can afford.

I had set a price range, and the realtors were all telling me that with my income I should be shopping in a much higher price range, three times what I had budgeted, because "I could afford it". I dismissed about four agents before I found one that listened to me. I found a really nice home in my range, and we bought it.

Ten years later, my employer of 35 years told me that they didn't need me anymore. My financial adviser said that with such a small house payment, I could actually afford to retire. If I had listened to the self serving people who were basically trying to up their commission by selling me a more expensive house, I would have been screwed.

jzap

For Those In The Back!

Here's a list because just picking out one thing is silly:

  1. How amortization works and why banks love 30 yr term loans.
  2. How PMI works and why down payments are important.
  3. Have a cushion in your savings account to take care of unexpected expenses.
  4. Know what the property looks like after several rainy days.
  5. In a subdivision, a dead end road that leads to an empty field means it's possible you'll have 100 more neighbors living downstream from you in a few years.
  6. Know how old the roof is.
  7. Know how old the HVAC system is.
  8. Know if there an HOA fee.
  9. Hire your own independent inspector.

After you move in:

  1. Know how to turn the utilities (water, electric, gas) off and on.

LevelOneTroll

It's Always Expensive, All The Time

How much everything costs.

Just general maintenance. Bills and mortgage are known and predictable, but then there's broken boilers, washing machines, fridges, paint, random tools, and all sorts of other stuff that just adds up really quickly.

Y3VkZGxl

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Here are a some people admitting strong opinions they no longer have, and what it took to change those views. Redditor u/segafarm asks:

What is the strongest opinion you once held but no longer hold, and what make you change your mind?

Jade-Colored Glasses

I used to think that being cynical/negative was realistic and somehow smarter than being positive. I've since realized that a "be prepared for the worst but expect the best" is far better. We can't control the outcome of anything in life. Being negative makes you miserable rather than protected from bad things happening.

nanaimo

Cant' Have A Conversation With A Parrot

I used to be a conspiracy theorist. Believed that 9/11 was committed by the US government and that we never landed on the moon.

Once I started looking outside of the echo chamber I was in and started looking at alternate explanations, theories and listening to different viewpoints I soon realized how ridiculous those notions were.

Not-A-Real-Subreddit

A Big, Mysterious Universe

I used to be a strict, hardline atheist. I was the kind of bastard that would bring the subject up for no reason, just to argue. I don't know what the hell my problem was. Now I feel like, the universe is big, I don't know what all might be out there, I don't really care. I live as if there is no afterlife, because that makes sense to me. But if you don't, and you believe in one, that's perfectly fine, and maybe you're right. Who knows?

CDC_

Portrait Of An Artist As A Young Man

I used to believe anyone can be a successful artist if they just put the time and effort into it. There is no such thing as talent, only hard work.

What changed my mind: Art school. There were quite a few people that tried hard, but just weren't able to achieve professional level art.

berfica

You're Not Your Emotions

For the longest time, I thought my emotions were in a sense the most "real" part of me. I was always a very emotional person and I didn't make a real effort to control it as I thought it was a good thing, that I was just being honest with myself. Over time though, I started to become very depressed and the negative emotions just keep adding on and on. I thought "this is just how I am I guess". Unfortunately it started hurting other relationships I had, and everything changed when my girlfriend broke up with me. After a lot of reading I found that emotions are not who we are at all. They're just reactions and there's nothing that requires us to act on them or feed them. I'm learning to let it go through me instead of hanging on like I used to.

inca829

Don't Forget Big Willie Style

I used to think that hip hop was bland, repetitive, and all about clubbing and sh*t. Then one of my friends pointed me towards people like Kendrick Lamar, Eminem, Nas and Run The Jewels, who all have great songs and clever lyrics, and I realized that Hip Hop is pretty great.

6quid

The A**holes Will Always Find A Way

I used to think that the catholic church was responsible for all of the hateful people in it. I gave people the chance to challenge my opinion and someone explained it very nicely to me. Basically, the hateful people use the church as an excuse, if you remove the church they will gladly find another excuse.

TianaLeFong

High Times

Giphy

I used to tell myself that I would never stop smoking weed, and that I'd be happy if my kids grew up to be pot smokers... Now I have a kid, don't smoke, and realize what an idiot I was when all I did was smoke all day. I could probably be in a much better position if I hadn't smoked all through college.

But I mean, I still think pot's okay... Just in moderation.

edgar__allan__bro

The Road Less Traveled

"All taxation is theft, man! I made my money without any help from public institutions or the infrastructure they support, I should be able to keep every last dime of it!"

Naturally that was when I was 18, living at home rent free, and working at Pizza Hut as a delivery driver who relied upon public roads for pretty much every cent I made.

ExtremelyLongButtock

All Those PSA's Didn't Do Much

The whole D.A.R.E anti-drugs. Yes crack and heroin is bad, but they over dramatized what happens when you do smaller drugs. Weed isn't even a gateway drug, alcohol is more of a gateway drug. When I saw weed for the first time I thought it was tobacco (This was after all the D.A.R.E training too). Letting the government teach you your morales and philosophy is a thing that sheep do. Don't be a sheep.

PlantTreesForToday

Where Would We Be Without The Kindness Of Strangers

I used to think people on welfare and state assistance just weren't trying hard enough. I grew up spoiled and entitled and it seemed like any kind of charity was a stigma.

Then, my husband became chronically ill, and the economy took a shit. My family has been close to homelessness more than once, and have relied on state insurance and assistance off and on throughout the past few years. There are definitely people out there who abuse the system, but some just get stuck in a horrible cycle of poverty.

I also work in a school that has a high number low income and refugee families. It has really opened my eyes to the struggles that some people face.

BuffyandtheHellcats

He's Still There For You, The Best He Can Be

I could go through life and could seek meaningful advice from my Dad who has always been there for me.

Now he has been reduced to a feeble condition, I am starting to understand I'm out there on my own, and even what he's sure of is suspect given his mental and physical facilities have been rapidly deteriorating in his late seventies. I feel horrible that I have noticed this long before he did - or at least admitted as much.

june606

Clear Your Mind

This was before I received an ADHD diagnosis. When my doctor referred me to an ADHD specialist, first of all I refused to believe him and was kind of slighted that he even suggested that I could possibly have ADHD.

I had a very strong opinion that if I get a diagnosis that I would refuse to take prescribed amphetamines because they are "bad" and "addictive" and that they would ruin my life.

Then I actually tried the prescription and it was like magic.

Xingua92

Going Through The Whole Spectrum

Used to be fairly open with my views on immigration policy. Then I worked for a while down near Corpus Christie doing immigration work. I'd say one out if every hundred people that came through our office was going to somebody who actually wanted to work and try to make a living here. So many people simply wanted to exist enough to get welfare. Many were young men who we would later defend against exportation as a result of their criminal activity. I began to despise the work of defending these men and wished they would be deported.

Now, I'm dating a foreign girl and we are in the legal immigration process. She has advanced degrees and skills, so that makes things a little easier. But it does make me resent people who just bypass the system. We can't bypass the system because I imagine my participation in immigration fraud could get me disbarred.

RogerDeanVenture



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