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Buying a home is likely to be the most exciting yet expensive purchase you will make during your life. However, the long-term benefits of investing in bricks and mortar far outweighs the initial spend that you will make when stepping onto the first rung of the property ladder.

Budgeting Tips and Tricks for First Time Buyers moving home - by Andrew Loveday

At Countryside we have a wide range of new homes available for first-time buyers across London, the South East and North West (The Avenue at NGV, Liverpool pictured above) that have no extra hidden costs. We also offer great incentives such as Help to Buy and our Bank of Mum and Dad scheme.

Once your mortgage is agreed, deposit secured and you’ve decided which incentives are right for you, there are many ways to reduce your outgoings.

Here’s our top budgeting tips and tricks for the next steps when moving house:

1. Set your goals and be patient

Be realistic about your future monthly outgoings and budget accordingly. Look at your income and map out all the essentials you cannot avoid or reduce such as your commute and then calculate your disposable income. Then, for example, if you want to buy a specialist piece of furniture don’t try to do it all at once or in the first month of moving. If you want that ‘piece de resistance’ dining table, save for it first and then you can introduce it as a great new feature of your home in six or nine months’ time.

2. Save on integrated appliances and flooring

The benefits of buying a new build are ten-fold when it comes to kitting out your kitchen or bathroom. All Countryside homes come with white goods, contemporary sanitaryware and many of them have flooring – so there is no need to spend money on new fridge freezers, cookers and bathroom suites.

3. Cut those energy bills 

Countryside’s homes are on average 6.5 times more energy efficient than a house built just 30 years ago and they are more water efficient too, helping you to make useful savings.

4. Have a ‘moving-in day’

When it comes to a first house move there is probably no need to spend money on haulage trucks and removal men. Transferring your belongings into a new home only needs to be the cost of lunch! Get a group of friends together, preferably those who drive and load up your cars or hire a van and drive it yourself. Once a few trips have been made and you’re started to settle in, treat your friends to lunch or dinner as a thank you!

5. Second-hand furniture sales

There are many online sites such as eBay or Preloved were you can find many furniture bargains. Local Freecycle groups also enable you to pick up second-hand pieces for free. Even if the items are ‘just for now’ it will save you money in the long run. Besides, turning creative by revamping an older piece of furniture not only saves you money but it looks unique too. Retro is very now!

6. Make cuts but not too many 

You don’t want to be saving so tightly that you don’t have a social life and become a prisoner in your new home. However, holidays and weekends away should be kept to a minimum in the early months and never go beyond your means. Be strict, stick to saving goals and then reward yourself with a small incentive such a trip to the cinema or an evening out with friends.

7. Look at ways to make extra money

If you are lucky to have a home with two bedrooms or more consider taking in a lodger to help you earn a bit of extra money, even if only for the short to medium term. The extra money can be put into a savings account or can pay for that fab dining table!

There’s a lot to think about when buying a first home so its really worth seeking out the best information and advice. To find out more on the best available mortgage deals and how to read the small print, take a look at the recent blog by Paul Nye, a Director at Stonebridge, one of the UK’s largest mortgage brokers. Or for more tips on saving for a home read the blog from first-time buyer Malcolm Ritchie which details how he saved for his first home at Acton Gardens.

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Andrew Loveday,
Sales Director

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About this blog

Here you’ll find property related blog articles from the team at Countryside as well as independent experts. Expect regular tips and advice on topics such as buying a new home, interior and landscape design, setting up home, mortgages and finance, plus articles on architecture, the property market, regeneration and more.

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