Villakrib blog

Becoming a house owner is one of the greatest milestones in life, but more often than not, a lot of money is required to make this happen. Most times, we do not have all the money, and getting a mortgage loan seems like the best way to go.  However, not everyone who applies for a mortgage loan goes back home with a check in hand. We have put together some tips to ensure that you end up on the winning side of the bargain.    1. Get your credit report in order A credit report is a detailed record of an individual's credit history prepared by a credit bureau. This is the first thing that lenders would most likely request for when you apply for a mortgage loan, so you should make sure it is accurate and up-to-date as well. Doing this increases your chances of getting a good deal. You do not want anything that can jeopardize your mortgage acquisition.  2. Improve Your Credit Score While a credit report summarizes your history of paying debts and other bills, a credit score is the single

MISTY, DUSTY Episode One The air feels different, the weather is changing and it brings back so many memories; some good and others not to be remembered.  Rita winced at the thought as she laid on her bed looking at the misty morning outside her window In a few months, she would be back to her parent's for a visit as is her practice every other Christmas.  She roused herself from the bed "rise and shine baby!". As Rita stands from her bed she's a little bit jolted by the cold feeling of her tiled floor and makes a mental check note to get a rug to cushion that effect as the weather had changed in such a short period. She enters into the bathroom and runs her bath, grateful that she didn't only have a good heating system but didn't have to worry about having water run in the house.  Back in the room, Rita is so excited that last summer she had invested in new blinds that are weather specific and her room is both weather proof and yet beautiful. "Ding, Ding

                              Growing up, I had always been excited about moving. I mean, I love adventure and the sense of doing something new; including experiencing a new environment/life seemed like just what I would always want. Don't mind me, I was just a child             . It wasn't even enough, that I had these wild imaginations; Reading books broaden it all the more. I got to know how Americans( I was exposed to small American literature books at the time) packed their property in boxes; boxes they had gotten from the stores in their town and how they would stack these boxes with their property which they hoped to carry over to their new home.           Well, this is not a lesson on how to train your children to have a wild imagination, like my parents did, you can however learn from that too😄😄but we would be having a conversation on tips to look out for on your next House Hunting journey.          Many times, people talk about the big things, when dealing with Hou

CLUTTERING! Eeew It can be so distressing! HAPPY NEW YEAR 2022 It's just a few days into the new year and is the best time to do the things that will matter for the entire year. Whether you are one who believes in the New Year as a  new beginning or you are the individual who cares less and simply see the days as a continnum without hurting any other person's view. This is for you  What is Decluttering? Decluttering according to the Cambridge dictionary is the act of removing things you do not need from a place, in order to make it more pleasant and useful How to Declutter your Home/Living Space . (1) Start with a prepared mind Envision a clean and purposeful space and long passionately for that. Let that motivation drive you to both declutter and keep your space decluttered. (2) Create systems that will help you keep this a habit. Else in no time we would be talking about decluttering again. (3) Classify your Clutter; You can classify  starting from : A. ROOM 1 (a) Clothes: To

Looking for a new home to purchase isn't the easiest of tasks. And for such a crucial part of our lives, getting the best and most satisfactory option should be the ultimate goal.    Things to consider when buying a new house.  This post highlights some of the major boxes to tick when deciding on which house to purchase.  1.Budget Money is definitely the most important factor when seeking to buy a new house. You shouldn't run yourself into any debt when venturing into becoming a house owner. Draw up your budget and search for houses that fit into the category, whilst still providing the basic things you need.  2. Neighborhoods Do you like them busy and noisy, or quiet, cool and serene? The answer to this would help you decide what neighborhoods to consider, and which are completely off the table.  3. House Size How much space do you want? What's the size of your family? How many bathrooms, toilets and bedrooms would be sufficient? You should have most of these answers befor

HOW TO ENJOY YOUR COMMUNITY Community, Connecting, Family, Togetherness are experiences that keep life and living most exciting According to Scientist Matthew Lieberman on his research to the understanding of human connection, he proves that the innate need for social interaction among people is as basic and deep as basic needs for food and water.  This goes to show that even the most isolated of persons need to connect with others. Needless to say one who has moved to a community that has given him/her a privileged of a place of abode, quiet and rest.  Whether you own a Home or rent one or it is simply a transition home, it is   very probable that there is a community in your area. Be it a friendly, quiet, Noisy or Dangerous one that is your community and it is wise to contribute to it in other to make your stay a maximum one. Three practical ways with which you can connect with your community are as follows: (1) Contribute to it You can do this by contributing Cash and/or Kind to com