9 tips to make moving-house stress free

There’s no getting around it – moving-house can be painful and stressful.

At the very least you’ll be working to timescales with a lot of packing and logistics to consider – and then there’s the additional worries that go hand-in-hand with relying on solicitors, banks and vendors…

We recently sat down with the team at Your Property Advice who offer free mortgage advice in Glasgow which have compiled the following 8 tips, you may be able to reduce your headaches and midnight box shifting…

  1. Start early

It’s a simple tip and almost everyone plans it – but few people actually start packing and planning as early as they should.

Instead of planning to have everything ready on your move date – aim to have everything done 1 week before. That kind of plan might force you to start even earlier, especially if you’ve got work and family commitments to consider.

Now, in reality you’re going to end up running over that week – which is fine, because you’ll need clothes and essentials to stop life grinding to a halt. But, it’s better to aim to get finished before time, rather than working until the small hours of the morning the day before you move.

  1. Create a checklist

Moving-house is a big deal and our brains don’t do well with big deals on top of day to day life – which means you’re going to forget stuff.

Instead of leaving it to chance, create a checklist of everything you know will need to be done, signed, kept out, stored, borrowed – and so forth. When you’ve got your list, print it out a few times and stick it around the house.

It’s not totally fool proof – but half the battle is just keeping the most important things in your mind.

  1. Do a reconnaissance mission

This is an optional tip depending on where you’re moving to – if you’re staying local and know the area you’re heading for then feel free to skip forward.

However, if you’re moving to a totally different postcode, it’s going to be worth doing a bit of homework to make the transition as smooth as possible. If you can, take a trip to your new place a week or two ahead of time and look at the following:

  • What’s the parking provision around the house like? There’s nothing worse than turning up with a van or a big box of breakables and finding out you can’t park within half a mile of your front door.
  • Where’s the local shop or supermarket? You’re going to need some essentials when you land – and setting out to try to find milk or something for dinner without knowing where to go can be painful, plan-ahead and keep things simple.
  • Is there a recycling centre or tip nearby? You’re going to need to get rid of heaps of boxes, wrapping and packaging stuff if you want to keep your new place stress free and tidy. Knowing where to take it all is really helpful.

You might want to take things to the next level and checkout what’s a decent takeaway for your first night hassle free meal – a bad chicken tikka masala can really take the edge off the excitement!

  1. Create some key leeway

If it’s possible, creating some breathing space with the handing over of keys puts you in an enviable position.

For example, you’re handing the keys to your landlord on the 30th of the month – why not get paperwork in place to make sure you can move into the new place on the 28th or 29th – giving you an extra day to get your possessions moved and give your old place a spring clean?

It can get complicated if you’re selling and buying – and therefore relying on funds being moved – but it’s not impossible, talking to vendors and solicitors can free time up.

  1. Get good boxes

Short and simple tip! Getting some good big boxes can make a world of difference. Storage and removal companies often sell them, or, if you’re working on a budget, asking politely at supermarkets is good too.

  1. Make a document box

There is virtually nothing worse than trying to remember which box that ‘important stuff’ is buried in – and typically, it won’t be in the first one you empty into the back of the rental van.

Get one small box and make it the place that the important stuff goes. Documents, wallets and purses, keys and phone chargers are all important, keeping them safe will stop tempers flaring when the pressure is on.

  1. Buy a cordless screwdriver

If you like your furniture Scandinavian, then you’re probably familiar with that unique ache in your wrist that comes after the 300th turn of a little silver hex key. Moving-house is a double pain if you’ve got flat pack stuff in your house – because you’re going to need to take it apart then put it back together again – sometimes within hours.

You’ll be able to pick up a perfectly adequate cordless screwdriver for about £15. If you’re not DIY-savvy, just search on Amazon or in B&Q – they’re a little gun-shaped power tool and they’re an absolute piece of cake to use – quiet too. Trust us, it’ll become your new favourite thing when you’re on wardrobe number two…

  1. Create a survival kit

A little like the document box, a survival kit means that you’re not hunting for stuff when time and your mood would benefit from a little convenience.

If you’re a coffee drinker, put it in. Don’t want to be turning boxes out to find your toothbrush, make up or shower gel? Put an overnight toiletries bag in. At very least, make sure you’ve got a change of clothes and a towel in there so you’ve not faced with boxes the moment you wake up.

  1. Look after yourself

With a bit of scheduling and planning – you can put a bit of time aside to make sure you’re feeling good.

Feeling good means something different for everyone, it could mean finding a space on the floor and having a glass of wine while you’re on social media for an hour – or perhaps it means making sure your running trainers are in the survival kit box and getting out to pound the pavement for a little while.

You’re never going to totally remove the stress from getting into a new home – but keeping your head in a good place is a big step toward not letting the experience get on top of you.

Good and bad reasons for getting a personal loan

Good and bad reasons for getting a personal loan

Some lenders will offer personal loans ‘for whatever you want you to do’ with your finances. While legally that might the case, there are certainly good and bad uses with your financial future in mind.

So, what can personal loans be used for? And what might you be better avoiding? Let’s look at some good and not-so-good ideas.

Good idea: Improving your home

If you’re a homeowner it might not always be possible to extend any borrowing against your house to pay for improvements – so using a personal loan can be a good second option.

Generally speaking, improving your home is going to add to your future financial stability. The better condition and more well equipped your home is will reflect in any future valuation, whether that is to lend more against the house, or to sell it.

Not-so-good idea: A lavish holiday

While it might be tempting to get a large loan to pay for an incredible holiday, it’s often something people regret in the long-term.

A personal loan is generally repaid over a period of around 3-7 years. Meaning your fortnight in the sun is going to still be showing up on your bank statement years after that tan has faded. And if your trip away has ignited a love for foreign travel then be prepared to see that monthly payment increase every time you go away.

If you’re planning a holiday and think a loan to help with the cost, look at the cost of paying it off prior to going away next year to avoid the costs stacking up.

Good idea: Consolidate debts

If you’ve got a number of small debts that could be brought together into one payment a personal loan can be a great idea. Staying on top of the repayments for numerous smaller loans can be logistically awkward, especially if they’re going out at different times in the month – it can make creating and sticking to a personal budget quite difficult.

Not only that, but in cases where interest is applied monthly, paying that debt off can save money – especially when the overall cost is being absorbed by a personal loan at a lower rate.

Not-so-good idea: A luxury item

In a similar way to a holiday, buying a one-off luxury item can be tempting – but you’ve got to be aware that repayments on that item are going to go on for a prolonged period of time – likely to extend well beyond the point that the value and novelty of that item wore off.

This isn’t to say you shouldn’t treat yourself, doing so can be a big incentive to apply effort elsewhere in life – but if you are, perhaps try doing it with finds from another source. There is a finite amount of unsecured personal loan that any one person can access – and if you spend it all on luxury items, you might find yourself with nowhere to turn when you need money for something more pressing.

Good idea: Better yourself

Personal loans are often used to pay for training or education. Although there is dedicated student finance available for higher education, this is often only available if you meet certain criteria, meaning that changes in direction or advanced qualifications can require funds from elsewhere.

In this case, the funds from a personal loan could be seen as something of an investment – increasing your chances to find higher paid and more enjoyable employment in the future, bolstering your finances even further.

Not-so-good idea: Use a personal loan to invest

While we’ve previously said that investing in your own property can be a smart move with a personal loan, there’s a lot of other kinds of investment that can be very risky.

If you’re looking at investing in stocks or shares then using funds from a personal loan is extremely high risk. Not only do you shoulder the normal risk that is associated with investing – but should you lose money, you still need to make repayments, obviously including interest on money that you simply no longer have.

Investments are not for the feint hearted – and if it’s money you can’t afford to lose, it’s not an area to step in to.

It’s up to you

In most cases, lenders don’t stipulate what you can use your loan funds for – but it can have a massive impact on your financial stability. If you’re in any doubt, speak to a professional with experience in the area you’re looking at spending in for good objective advice.