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NEW HOME Q+A | Saving For Our Downpayment, Unexpected Expenses, New Build Vs. Old House, Etc.

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Today I’m answering YOUR questions about the home buying process! We’re going to talk about how we saved for our home, what unexpected expenses we’ve had come up, how we decided to, and so much more! Let’s do this! 🙌
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Опубликовано:

19 авг 2024

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Комментарии : 133

@AshlynneEaton 3 года назад

Did you have a question that I didn’t get to here? Comment it below and I’ll answer as many as I can! 🤍

@lotteicamen8399 3 года назад

I always watch your vlog. Frm. Philippines.. sorry but i distract holding you mug..

@comfyera 3 года назад

you were so thorough I can't think of anything! Thank you for doing this! I'm hoping to buy a home soon-ish and will refer back to this for sure when we get there. :)

@AshlynneEaton 3 года назад

Oh I love that!!

@cynthiaheart2021 3 года назад

You both are so motived I love that 😍.

@ms1295 3 года назад

What do you love about living in Charlotte?

@innabauman2721 3 года назад

You can refinance in a few years to shave off years of payments ;) I went from 30 year to 15 year, monthly payment only went up $100! We might even pay it off way quicker than 15 years now

@AshlynneEaton 3 года назад

Definitely something we’ll consider going forward! 🤍

@godisgood2919 3 года назад

You could also do this by paying extra when you can, without refinancing. That way you won't have closing costs. We paid both our homes off early, once without refinancing snd once with refinancing but that was only because of the interest rate advantage. If you print out an amortization sheet, you can also keep up the principal, interest rate, and how much you saved. We saved over $140,000 in interest in our current home by paying it off early.

@bellac8414 3 года назад

i never realized how expensive a house was or how much work came along with one until my family moved into our new home almost a year ago and i helped with everything. even though im a teen and wont have to go through it for a long time, my parents were explaining to me how all of the expenses work and how it's so important to be careful with your money, and i feel like being a minimalist definitely will help me with being smart with my money and also make my life a lot less stressful! so thanks ashlynne for inspiring me to be a minimalist lol. also i have a video idea: could you do a video on your makeup routine? i doubt that you wear a lot, it always looks so natural and pretty. but yeah there's a video idea, maybe you could do a day in the life as a new homeowner and put that in somewhere? 😁🤍🤍🤍

@AshlynneEaton 3 года назад

Oh that’s so cool your parents brought you along for that process! It’s a lot of work for sure, but very rewarding. And thank so much for the video idea! 🤍

@bellac8414 3 года назад

@@AshlynneEaton no problem!!

@bellac8414 3 года назад

@Karen Z oh thank you!!

@beatrizsoares5249 3 года назад

I love that she hold a mug, throughout the video, gave me cozy vibes.

@AshlynneEaton 3 года назад

I do love my teas 🤍

@justusewater1 3 года назад

Yes, when you make extra payments, make them Principal only payments!! We own our home and 3 rentals that we have for this for.

@chandaharkins4418 2 года назад

As an older woman (43), I will say that I think you chose very wisely to buy a tract home for your first house. The resale will always be among the best, even in a recession. You will have so much less maintenance, which saves money. So, kudos and congrats! (I know I'm behind - watching your videos randomly). Good job saving up, too!

@lorig.7127 3 года назад

New homeowners must also keep in mind that they must purchase a lawn mower or lawn mowing service, Garage shelves to store your supplies, Gardening tools,shop vac and extension cords, rakes, snow shovels and a snow blower or an annual snow plowing service depending on the weather region you live in.

@lorig.7127 3 года назад

Also in your own home vs. apartment you will now be paying for weekly garbage removal and recycling, monthly water bills, local school district taxes and county taxes.

@ladybird8578 3 года назад

My husband and I were closing on a house for 4 months when the homeowners decided they didn’t want to sell 5 days before our closing date 😔 We’ve since put offers on 2 homes since that haven’t been accepted. Feeling very defeated but praying to be in this position soon ❤️

@AshlynneEaton 3 года назад

Oh that’s so tough! That’s a difficult situation to be in for sure. Hope you guys are able to find the perfect place soon! 🤍

@lovebug7 3 года назад

Do not feel defeated! That hose wasn't meant for you God has.your home keep.on praying. I also prayed for you now

@ef4zsv 3 года назад

The right & perfect house for you will come along for sure. I promise. After finding it you may look back on this house that you missed out on and realize it might not have been the right fit after all. Just talking from experience...

@ladybird8578 3 года назад

Thank you everyone for the kind comments, they made my day ❤️☺️✨

@lindasteinbrenner8065 3 года назад

As an “older” viewer.. and am In my third and final home, I can say you are giving such practical and good advice! I just love your beautiful new home. I wish you all the best!

@xxabsxx31 3 года назад

I really hope you and your husband are so happy in your new home. It seems such a lovely place to be. I really do enjoy your videos xx

@AshlynneEaton 3 года назад

Thank you!! We love it here 🥰

@rosemarywilliams9969 3 года назад

🖤Thank you so much for being so open and honest about this. This helps a lot of people out 🤗

@AshlynneEaton 3 года назад

Absolutely!! Happy to help! 🥰

@SisterSnoe 3 года назад

I just had to like the video before watching it because I know there's so much motivation here😍

@AshlynneEaton 3 года назад

Oh you are so sweet!! Thank you!! 🤍

@meln5499 3 года назад

OMG yes, the tools do accumulate when you own a home as you do repairs/renos. Hard to keep them minimal sadly unless it is borrowed or rented. EVERYTIME we move, we end up spending up to $500 in the first weekend on random unseen things to make setups work, repair leaky taps, etc, so I now always tuck some cash away when we move for those unforeseen items.

@cynthia6771 3 года назад

I would love to see a video on the cost of living in Charlotte. Even weather and housing cost buying old vs. New housing (actual monetary cost) I am currently living in California and looking to relocate to a more affordable state.

@bri4940 3 года назад

I moved in with my boyfriend last year and he owns his childhood home. It definitely needs alot of work and we have been having alot of fun renovating it and making it our own. ❤ Enjoy the homeowner life!

@sarahp4293 3 года назад

It’s definitely a dream of mine to build a house. I’m a single mom of one, but I know being dedicated to saving and living a simple lifestyle, I will get there 💜

@bruce5895 3 года назад

Tip # 45 for saving your money, do you have credit card bills, if so get an unsecured revolving line of credit from your bank, that way you pay 75% less interest and you make the payment that you want to make instead of a fixed monthly payment. If things are tight, you have the option of paying interest only.

@sw9868 3 года назад

So much admiration for you and Christopher accomplishing so much so young!😍

@AshlynneEaton 3 года назад

Oh you are so sweet, thank you! 🥰

@Samantha-vg5ro 3 года назад

You can get warranties on appliances and whatnot in existing homes too, that’s not an “only in new construction” benefit. Whole home warranties are very useful and can be purchased on pretty much any property.

@joymae 3 года назад

Omg so close to 200k!!! Your growth has been crazy

@AshlynneEaton 3 года назад

Thank you so much!! 🥰 It’s been crazy to watch this channel and community grow!

@camrynh 3 года назад

The fact that you could put down 20% on a new home is incredible. I wish we could do that but all we can afford on our new home is 10%.... that being said it’s rare to be able to put down 20% not being a previous home owner (meaning using the money from selling old home)

@StefanieAnna 3 года назад

This is so helpful. We are buying a house in May or June of this year! Thank you for sharing your experience 🏡

@AshlynneEaton 3 года назад

Oh that’s so great to hear! 🤍

@raluuca300 3 года назад

We will be moving too this summer, our apartment that is now building should be ready by then! Congratulations!😍

@annetteriley6443 3 года назад

We love to see your top 10 products you love as a minimalist? Cleaning, kitchen, bathroom, storage etc.

@amyhoover9 3 года назад

I really appreciate you taking the time to answer these questions and giving insights based on your particular moving experience. I'm excited to hopefully see more content related to your new house, like decluttering, decorating and other things home related! I hope you and Christopher are enjoying living in your new house so far :)

@cynthiaheart2021 3 года назад

My husband I looked 2 months he was on it and did online hunting we were close to getting one we loved but im happy we didn't get it was qay to small.Then he saw one and wanted a tour of the place he made an offer and got it.💗One day we picture to have a family so this year we will have a baby in are home.

@laureljackson9800 3 года назад

My husband and I are moving into our first house very soon. Happy unpacking!!

@myxochi 3 года назад

Apart from the appliances, what else wasn’t covered in the house purchase (eg. Water softener, lighting, fixtures, ?)?

@estefanybaltazar8369 3 года назад

Hi, new subscriber here,. Your videos were suggested when I was watching minimalist Kyra Ann.. I love how your voice is soothing, captive and how you maintain your audience curious. Thank you for sharing the knowledge.

@conscioushomestead 3 года назад

They pretty much Pre Approve everyone. It is getting the final approval for a loan that matters. Getting that approval is the hard part for a lot of people. People get excited that they are pre approved only to find out the bank won't approve of a loan due to some circumstances.

@michelarosier1918 3 года назад

Congratulations, on your first home buying and thanks for sharing with us. I'm also take note for myself and begin prepare as well.👍🏼

@lenacleansup 3 года назад

Such a helpful video! Me and my boyfriend are looking into the process, thank you for this 😍

@AshlynneEaton 3 года назад

Oh that’s awesome!! Good luck with the process! 🤍

@comfyera 3 года назад

Thank you for explaining the home-buying process so thoroughly! It's so easy to overlook all the sneaky added costs that can come up. Your advice on being flexible and going into the process expecting the unexpected will undoubtedly help SO MUCH to make the process more exciting and not feel overwhelming! I also thought it was really wise of you to get a 30-year mortgage for the added flexibility. Especially with RU-vid income being a bit more uncertain (although hopefully on the up and up ;)) and interest rates being so low it's a great choice! Congrats on the new home; so so excited for you and Chris!

@kathyesargent9088 3 года назад

New homes so much energy efficient

@mysticfox1563 3 года назад

Lots you can do in an older home to make it energy efficient! Mine was built in 1929 and it’s better than a lot of new builds.

@AshlynneEaton 3 года назад

Yes, for sure!

@salerinaxo 3 года назад

Oh good point !!

@maya_miriakillis 3 года назад

I have discovered your channel a couple of days ago and now I am obsessed!!! Binge watching non stop!

@caron4725 Год назад

I'm very impressed with your intelligence especially at your young age 🌻🌻🌻

@savannahphilyaw 3 года назад

Ashlynne, thank you for sharing all of this information about your home process and for always making such inspiring lifestyle videos with a gentle and inviting approach. I always look forward to your new videos!

@cecigalvez630 3 года назад

I love your videos! They’re so helpful. You are an inspiration❤️

@AshlynneEaton 3 года назад

Oh I’m so glad to hear that, thank you!! 🤍

@carlarevie6817 3 года назад

Congratulations again and all the happiness in your new home - you guys are such an amazing couple

@julieanne7223 3 года назад

Hi Ashlynne, thank you for sharing this video. I was wondering would you ever get another job to help pay for your mortgage? The videos you share with us are awesome but will there ever come a time where you run out of new information or tips to share with us. And if you did what type of job would you consider or you are trained in? Your house is lovely, where abouts is the suburb you live in?

@wordsofhope4life747 3 года назад

Just wanted to say I adore your channel Ashlynne! Congrats on the new home it’s beautiful!

@mariagrundner5532 3 года назад

I am really happy for you two, totally love the house and that you can start a new chapter in your lifes as home owners! Congrats and greetings from Austria ❤️

@kaleighpledger6389 3 года назад

My SIL is starting to search for a home! Definitely sending this to her! I think there’s so much good info and smart opinions shared in this video! Thanks! ❤️ And congrats on your new home! 🏡

@keylalipo7778 3 года назад

That mug tho!! So distracted by it lol, in a good way! I really like it, where did you purchase it?!!

@ervinsmoviecorner8748 3 года назад

Great new home Q&A video, Ashlynne!❤️❤️❤️❤️

@AshlynneEaton 3 года назад

Thanks Ervin! 🤍

@ervinsmoviecorner8748 3 года назад

You're welcome, Ashlynne!

@lucyjackson6879 3 года назад

Hello from England! I loved this video! Such great advice and motivation. You bring such a lovely calmness to my day ❤️.

@sarahm2566 3 года назад

On months you can make an extra payment, be sure to specify that the extra amount is to go towards the PRINCIPAL, otherwise the bank will just pay off a little more of the interest. You want to reduce the principal as fast as possible, and generate less interest, not just give the bank more of your money faster.

@AshlynneEaton 3 года назад

Yep! That’s absolutely our plan!!

@megancraig8145 3 года назад

Thank you for this video! Loads of amazing information! 🙌

@naamamagid158 3 года назад

You are almost at 200K!!🥳

@JessyJBob 3 года назад

We have £1k set aside as an emergency fund, which would cover our insurance excess and seems to be able to cover most things possibly going wrong.

@simplyw_daniela9536 3 года назад

I love this!! So happy for you guys!! I can’t wait to own a home. 🤍

@j.n.cahill1086 3 года назад

Definitely comes with more work but our last apartment was truly awful and they never wanted to fix anything, so we just tell ourselves 'Well at least it will get done!" XD

@j.n.cahill1086 3 года назад

Also really grateful that my dad worked in construction and can pretty much help with anything that we are having issues with!

@pumpkinspice3295 3 года назад

I don’t think I will (or actually can lol) ever buy a house/flat because I can never ever afford a house/flat in the neighborhood I want to live which I currently live on rent.😅 Looking forward to house tour video! 💕

@sarahwollesen1990 3 года назад

Do you have any tips or things to know about cohabitating with your significant other? I'm going to be moving in with mine later this year and would love any advice!

@courtneyharrel5500 3 года назад

Congrats on making this dream come true

@cathylynnpietranton 3 года назад

Thanks Ashlynne very informative.👍👍❤

@ineliz7 3 года назад

Thank you for sharing this! Your videos inspire me to love more minimally:) I’m curious...how old are you and your husband?

@KateKaden 3 года назад

Congratulations!!!

@missi9802 3 года назад

❤️ great video!

@lovebug7 3 года назад

Can't wait for the tour and what was that sound in the background?

@AshlynneEaton 3 года назад

Oh that’s great! 🤍

@theislandgirl87 3 года назад

Where is the mug from? Love it😊

@lissettemontalvo9625 3 года назад

Congratulations! 🍾🎈👍🏻

@AshlynneEaton 3 года назад

Thank you so much!! 🤍

@yvettekennedy1114 3 года назад

May I ask where that gorgeous mug is from? 😍

@gabriellabudgets 3 года назад

have you guys talked about getting a pet? random but curious lol

@AshlynneEaton 3 года назад

We have! We’d love to get a dog eventually 🥰

@jackandroselove 3 года назад

@@AshlynneEaton adopting one? ❤️

@AshlynneEaton 3 года назад

Hopefully!!

@MiikaKontio 3 года назад

Im happy for you

@simhd6844 3 года назад

Wow 💙

@christinenoblejas5160 3 года назад

Hi Ms. Ashlynne. What is your vlogging camera and editing software?

@AhmetKaan 3 года назад

*Day one or one day.* *You decide.*

@rebeccaenn6281 3 года назад

Is your HOA fee as expensive as your mortgage ?

@donnagalvan1047 3 года назад

How far away do both your folks live from you..Have they seen your new home..

@breec3346 3 года назад

I want to get back to saving money! I put some of my money from checking into my savings account! Like you said: out of sight out of mind! Hehe 😊

@AshlynneEaton 3 года назад

Oooh I love that!! Congratulations on taking that step! 🥰

@mysticfox1563 3 года назад

If you are in the states open a capital one 360. Higher interest than a regular bank account 😉

@breec3346 3 года назад

Ashlynne Eaton thanks!!

@teamhalfacre9908 3 года назад

Congratulations :)

@AshlynneEaton 3 года назад

Thank you!! 🎉🤍

@helpfulnhappy 3 года назад

Will you be mowing your own lawn or is that part of your HOA payment?

@AshlynneEaton 3 года назад

It’s part of the HOA 🤍

@helpfulnhappy 3 года назад

@@AshlynneEaton NICE!

@kathyesargent9088 3 года назад

Why not Canada?

@Beardsandbars 3 года назад

because Charlotte is pretty dope 😎

@mysticfox1563 3 года назад

I’m just across the border from Canada and I can assure you they are dope af.

@AshlynneEaton 3 года назад

We met and got married in the States and most of our friends live here, so it made more sense for us to stay in the States 🤍

@desideriaalex 3 года назад

Nice

@cameroncook7501 3 года назад

Will you be buying a new car?

@lottie1144 3 года назад

Well, the way things are going we might all be buying electrical cars in the near future.

@stephaniedasilvaox 3 года назад

Hey beautiful

@AshlynneEaton 3 года назад

Hey!!

@salerinaxo 3 года назад

Why are so young and sooooo much ahead

@salerinaxo 3 года назад

Meant to say you and Christopher not “why “

@Realmikesambo 3 года назад

Houses are not investments, they're liabilities - Robert Kiyosaki (Don't mean to rain on your parade, just understand the difference.)

@lottie1144 3 года назад

My husband has a masters in economics and he hates when I use the word “investment” to talk about my purchases that do not generate any income.

@kristinab1078 3 года назад

Indeed. Also, every American has a "must have" list that includes 3-4 bedrooms, 2+ bathrooms, and 1,400+ square feet. This is not a judgement towards Ashlynne as she is more aware than most and tends to live carefully. It's just a statement about what we consider to be our "needs" rather than "wants". There is a difference, especially in relation to other parts of the world.