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Extra Expenses When Buying a Home

      While you are contemplating a new home, consider the extra expenses that inevitably come along with the purchase and move.


1.       Closing costs
2.       Legal fees
3.       Land transfer taxes
4.       Moving costs
5.       New furniture

Moving Costs (Do-it-yourself or Movers)
     Even if you are a do-it-yourself type, you may have to budget for a moving truck of some kind, from your local truck rental location. If you price this in advance, you can save yourself a lot of headaches by having that money put aside to pay for this expense as soon as your credit card bill comes in.
      Are you going to have the mover's handle everything from packing up your home to moving it? You should also price this in advance. Even if you can reclaim these costs through a new employer who is paying for the move, you may have to put this money out first before you get it back.

Bigger or smaller house
    When we move into another home, we often have more or less space. We may have rooms configured differently. We may or may not like the wallpaper or paint from the previous owners. We might need window coverings. If we haven't budgeted money for those kinds of expenses, we might not fully settle into our homes until we can come up with it.
     For instance, are you moving to a bigger place than you live in currently? Have you budgeted for the additional furniture that you might need? While it is possible to move from your current home into a bigger one without buying any new furniture, you might want to give some thought to how your current furniture fits into the new floor plan. If so, you'll have to have some money available fairly quickly after moving in, so that you can purchase the right furniture and really get settled.
     Here's another thing to think about: window coverings. In many cases, an existing home is sold with window coverings to be left by a previous owner. However, if you are buying a brand new home that hasn't had a previous owner, it will be up to you to supply all window coverings. So, unless you want to share your privacy with your neighbours for the first few weeks, you should budget to get the window coverings you want. Still not settled on how to decorate? At the minimum, you should budget for sheers or simple blinds, which will cover the windows but leave your options open for draperies later.

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