Thursday, October 4, 2018
By Kelsey Comyack
Master the Mindset

5 Mindset Shifts to Make That Dream House A Reality

guest blogger: Jen Butler

Many of us have spent our lives romanticizing our dream home, putting more energy into the fantasy of it than taking practical action steps toward making it a reality. Buying a house can seem daunting, and what about buying our dream house? It’s just a dream, Jen. It’s not possible. 
What if it is?

There are countless articles out there about saving for a house. They each overlap or mirror the next, offering pretty much the same advice. I bet if I asked you to write down what to do to save for a house, you’d come up with some of the same stuff these professionals have:

  • Pay off debt
  • Increase credit score
  • Set and stick to a budget
  • Make more money
  • Spend less money (darn you, Amazon and your convenient one-click purchases!)
  • Create a savings plan and savings account
  • Put money into a savings account

Wait. I have to make more and spend less and have a budget?! No way! This is mind-blowing!

Let’s be real. You know what to do. You may not know the tiny details of it, but that’s easy to figure out. There’s Google for that.  And lots of books, if you fancy. 
The biggest obstacle is oftentimes the fear and
overwhelm that precedes taking the steps you know you need to take. 
That’s what this article is about.

I don’t know you personally, but my educated guess is that you are strong, intelligent, and possibly a little stubborn. When you set your mind to something, you can make magic happen.
We want to help jumpstart your mindset and get some positive momentum rolling in the direction of you becoming a dream-home owner. We want to help dissipate the fear and overwhelm often associated with such a big purchase. And, most of all, we want you to end up in a house that you are tickled to wake up in each day.
Here we go.
1. Start with your attitude. 
Yes, your attitude. Having positive expectancy and hope about being a happy homeowner is far more beneficial than giving up, sulking, or setting this idea on the backburner for another few years. 

2. Watch your language.
What do you say or think when the topic of home ownership or saving money comes up? Get rid of phrases like “I can’t afford that” or “I don’t make enough money” or “I don’t know the first thing about it” or similarly limiting language. Shift to saying, “I’m working toward that now” or “I’m learning.” This helps you stay encouraged and makes it much more enjoyable to follow through on your savings plan.

3. Get clear on what you want.
Look at homes for sale in the area you want. Find pictures online or in magazines. Print them out and post them where you can see them if you’d like to get crafty. This, combined with your optimistic attitude, will keep the goal fresh in your mind, which makes it easier to follow through on budgeting and saving.  

4. Prepare to play the long game.
Even if you have zero dollars saved, don’t be discouraged! It can seem like your dream house is years away. (It takes less time than you think.) Either way, look at it like this: you’re gonna’ be around anyway. Why not take consistent baby steps during that time?

There may be sacrifices as you work toward your goal. When I was 30, I moved from a 2,000 square foot rental home into a 200 square foot living area in my parents’ basement, so I could pay off debt and follow my dream of writing for a living. 

In beautifully eloquent terms: it sucked. 

It also motivated me. I started using coupons at the grocery store, I got honest with myself about my spending and cut where I could/should, and I stayed in more.

And now? My credit score is no longer in the red and I make my full living writing. It’s not my dream-life quite yet… But I know each day gets me closer.

If I hadn’t made the immediate sacrifices in the spirit of my future goal, I’d still be in debt, barely making it by, and pining after what I thought was a fantasy life.

Instead, that life has become a reality. Yours will too.

Take it easy.
Make a decision to save for your house, set a timeline, and stubbornly dedicate yourself toward that goal. But don’t be rigid.

Yes, there are times where you may have to pass up on buying your whole Amazon cart. Maybe you downgrade your TV service or cancel the gym membership you haven’t used in two years. Every little bit is progress toward that dream house. 

Remember that this is a long game. To keep up your stamina, it’s important to have fun, relax, and take it easy. Don’t overexert yourself or get burnt out.

Keep the positive mindset and language, get clear on what you want, dedicate yourself to this long-term goal, and realize that the real progress comes from steady, consistent steps.
This journey is a challenging one and is deeply rewarding. The payoff is worth it, and you deserve it.
And when you’re ready to buy that dream house? You know who to call.