Giving Your Kids the Boot (out of the house)

The dream of independence for many young people is usually marked by leaving their parents' house. However, when making this decision, it is necessary to have a lot of planning, organization and financial and emotional control. So, to help you plan to leave your parents' house safely, buying an apartment, Sky Marketing has listed valuable tips for you to take this important step in your life.

How do you Know if it's the Right Time to Leave your Parents' House?

There is no rule to decide if it is the right time to leave the parents' house. That's because each person and family is different. However, when the time comes, it is very important to be emotionally and financially prepared for this new phase.

First, you should think about your financial situation. There's no way to want to be independent without having a financial plan. Since, it will be necessary to bear the fixed costs of a house, such as: paying a loan, paying off consumption bills (water, electricity, internet, gas, etc.), condominium, in short, paying expenses of this type.

Another important point to reflect on is: do you know how to take care of yourself and take care of your space? For example, how to do the grocery shopping, cook a good meal, book your own doctors, do basic house cleaning?

Finally, analyze whether you have emotional and psychological autonomy for this decision. It is important to know how to deal with homesickness and to have a new routine alone. Analyze whether your emotions are not fragile for this important step.

However, if when checking these points you still feel insecure, take it easy. Take advantage of the time you still live with your parents to organize and train these skills. In addition, also seek your financial, emotional and psychological independence. Thus, you will be able to have your corner with tranquility and security.

Need for Freedom and Independence

Most young adults need some freedom and independence to sort out their own lives. This process is part of personal maturation.

However, some parents, even with their adult children, continue to worry in an exaggerated way. Sometimes, that demand for departure and arrival times, among other situations, end up wearing down the family relationship. If this is your case, leaving your parents' house can be a liberating step in your life.

However, even with some family conflicts, it is of paramount importance to go in search of your new home in a planned and organized way. Only then will you be able to leave your parents' house and not have to come back if the plan doesn't work out.

Lifestyle Change

Initially, a common point between parents and children is with regard to lifestyle. Well, each one has a lot of differences.

For example, you've grown up, your personality has formed, and you have a vision for how to live your own life. But, your lifestyle may no longer match the way your parents live. It is in these cases that conflicts can arise and erode the relationship.

This can happen if you've chosen a different diet, a different religion, or something else. However, if the lifestyles don't match anymore, this could be an indication that you should step out from under your parents' wing and move on to a more independent life.

Serious Relationship in Sight

Every beginning of a relationship has many expectations, and one of them is to make the relationship more serious. Developing a serious relationship with another person is one of the biggest reasons why young people leave their parents' home.

This does not mean that you need to get married literally since stable unions between couples are very common nowadays. However, to start a life together, whether through the celebration of marriage or not, you need to have your own space. In this way, many young couples go out in search of their own little corner to start a life together with their own challenges.

What should be Taken into Account Before Leaving your Parents' House?

To avoid a traumatic experience when living alone, keep in mind that you need to be prepared financially and psychologically for this radical change in your life. So, to help you get organized and get ready to leave your parents' house, check out some tips on what to take into account before conquering your own home. Come on?!

Assess your Financial Conditions

In general, many people believe that when they get their first job, this one can already give them the conditions to live their own life. However, just because you can pay a car and an internet bill, it is not a reference to leave your parents' house with financial security. That's because living alone requires you to bear other expenses that didn't exist in your budget before, such as paying for your housing and food.

So, before making any move, put all the fixed and variable costs that you will have when you leave your parents' house. That is, calculate how much will be spent on your home, the value of real estate financing, transport expenses, the cost of consumption bills (electricity, water, gas, internet, condominium), etc. In addition, predict variable expenses with food, and entertainment, among others.

Be sure to analyze whether you will be able to maintain the same standard of living you had when you lived with your parents. Finally, if necessary, consider taking a few steps down in your lifestyle to maintain your independence.

Analyze your Career Stage

Normally, we all want to improve our lifestyle. This also happens in the professional area, as the worker wants to receive promotions and salary increases in the company in which he works. Therefore, when deciding to leave your parents' house, it is important to assess how your career is doing. Precisely, because it is through your monthly income that you will be able to support your new phase of life.

However, it is not easy to reconcile studies and work obligations, if you are still in college or doing some postgraduate studies. Then, assess whether you already have all the required specialization courses to achieve the desired position or compensation. Therefore, if you need to invest in your studies, check if your financial conditions are necessary to bear this expense and pay the costs of housing.

Prepare Yourself Psychologically to Leave Your Parents' House

First, it is necessary to have the psychological preparation to leave the parents' house and leave the daily coexistence with them. Sometimes, distance can generate uncertainty, anxiety and other feelings that can be difficult to deal with at first.

However, embarking on the journey of maturation involves a lot of learning and personal growth. So make your planning and take all possible care, so you can make this decision quietly.

Also, evaluate if you have any difficulties dealing with changes, especially when they completely transform your way of living. Know that it will be necessary to deal with feelings of longing and sometimes loneliness. Since they are very common emotions for those, who live alone, therefore, consider that it is a stage of personal growth, as it will be necessary to understand your limits and learn new skills.

Talk to Your Parents

Above all, having a transparent, honest and friendly dialogue with your parents is essential. Then, tell them the reasons why you are making this decision, and especially that even with your leaving home, you are still part of the family.

Also, make it clear that your departure is not a family breakup, just a step in building an independent life. So, the tip to make this moment more pleasant for everyone is to include your parents in some activities, such as visiting the new house, buying the furniture or planning the decoration, etc.

Look for a Good Property to Live in

At first, it is normal not to be able to maintain the standard of living to which you are used to. That's because your parents took a long time to build their heritage and offer you this lifestyle.

So that your experience when leaving your parents' house is not bad or traumatic, it is essential to choose well where you will live alone. In this case, keep in mind what your monthly budget is , which will be used to maintain the expenses of your new home. However, this cost of your new home is influenced by the location, size and features of the property.

It is worth mentioning that when choosing the region where you want to live, consider that your new home is close to your work or even close to where you study. So, you won't be wasting time in traffic to get to your house on a daily basis. Finally, prefer neighborhoods with a good infrastructure of services and shops to facilitate your daily routine.

Consider Buying an Off-Plan Apartment

Buying an apartment on the ground floor is very advantageous for those who are preparing to leave their parents' house. Because, in addition to receiving a new property, it is possible to take advantage of the time that is still at your parents' house to plan and save. Below, check out the main benefits of buying an apartment on the floor:

• The value of the property is cheaper;

• The purchase of this property has better payment terms and interest rates;

• It's a new property, so it won't have immediate maintenance;

• It offers you time to organize and save (the time the construction company takes to complete the project);

• A new apartment has a high potential for appreciation;

• Offers the possibility to customize each finish;

• You have more time to plan the change;

• Possibility of saving to buy the planned furniture and decoration items;

• You can decorate the way you want, among other advantages.

Split Expenses if You Want to Save

Living alone is a challenge, and it's great to have a place just for you. However, other people welcome the possibility of sharing an apartment to reduce monthly expenses.

In particular, it is a smart strategy for those who want to leave their parents' house and do not have the resources to support themselves. So, by sharing the main accounts with someone else, the tendency is to reduce these expenses in your budget.

When buying an apartment together with another person, you can use one of the benefits of the Casa Verde e Amarela program, the income composition. In other words, composing income is adding your salary and that of three other people to increase the chances of getting real estate financing. In the video below, you will discover more details about lace composition.

Remember that to have a good coexistence between all the people who will live on the property, create clear rules. A good example is: making a division of tasks, how the house will be cleaned, what meal times, etc. Finally, the most important thing is to choose well who you will share the bills with since it is very easy to have conflicts on a daily basis, precisely because they are different people living in the same space.

10 Tips on How to Get Out of Your Parents' House in the Best Way

At first, deciding to have your own home and live alone represents a big step in any young person's life. It is because the impact is not only personal but also professional. After all, one of the main challenges is linked to the financial area. Next, we've selected 10 tips for you to get out of your parents' house in the best way. Check out!

Take Advantage of the Time You're at Your Parents' House to Get Organized

It's normal to generate that anxiety to leave your parents' house. However, the main tip is: make the most of this time at their house to organize yourself, especially financially. Above all, evaluate your financial situation well, consider your future prospects and analyze the expenses you will have in the purchase of your property.

Know Your Expenses and Where You can Save

First of all, to avoid possible debt, start cutting unnecessary expenses and have money saved. For this reason, do this before you leave your parents' house because that way, you will have more time to save and create a financial reserve for future expenses with your new home.

That's because buying an apartment of your own is a very big achievement that requires a greater effort as well. To do so, cut the unnecessary expenses that are consuming your money. A good example of superfluous expenses is a subscription to streaming that you don't watch, the payment for that gym you don't go to, constant delivery expenses, etc.

Thus, these actions serve as a test, for when you are in your own home, essential expenses will increase, and you will have to make choices about what to spend.

Have a Real Financial Plan

Generally speaking, if you don't have a plan for getting out of your parent's house safely, the process is bound to be very stressful. For that, the ideal is to be very clear what you want, when and in what way. To clarify, maybe you want to live close to your favorite places or close to your work or college. Or maybe you just want a corner of your own, no matter where it is.

Above all, keep in mind your moment in life, the things you will need to do in your daily routine, and how much you can afford. That way, you'll find a realistic path between what you have and what you want.

Make a good survey of all the fixed costs that you will have when buying your apartment. That way, you'll have a good view of your finances and how much, on average, you'll need to keep well on your own. In short, this is how you make a financial plan to leave your parents' house with more peace of mind.

Make a Financial Reserve to Safely Leave Your Parents' House

First of all, to have more peace of mind when leaving your parents' house and buying your apartment to live alone, have an emergency financial reserve that will help you in possible unforeseen circumstances. That way, when some unexpected expense arises, you will be able to pay the expense without harming your budget or lifestyle.

In addition to the reserve, it is recommended that you also save money to pay for the relocation, additional costs of real estate financing, small renovations to the property, furniture, appliances, etc.

Calculate all Costs

When you leave your parents' home, you will be responsible for all household bills. This means that you will start paying some expenses that you were not used to. So, before moving, know what the ## fixed costs## of a house will be:

• Consumption accounts: water, electricity, internet and gas;

• Financing installments;

• Building condominium;

• Taxes (IPTU);

• Past debt slips;

• Grocery purchase of the month;

• Among other expenses.

So, with the expenses well defined, you will have an idea of ​​how much your living costs will be when you live alone.

Find Out How Real Estate Financing Works

Real estate financing is the most common way to buy a property. In short, it is a line of credit that banks make available for the purchase of the real estate. To be clearer, the buyer pays a down payment to the seller of the property and requests financing of the remaining amount from a bank. Thus, the buyer can finance up to 80% of the value of the property.

How to Get Real Estate Financing?

To hire financing, you need to have knowledge of some information that can help you in the process. Above all, take into account the following points when contracting to finance:

• Make a plan to ensure a good down payment to pay less interest during the financing. In addition to that, it is also possible to use the FGTS in the down payment on the purchase of the property;

• Make sure you can make an income mix to increase your buying potential;

• Have your name clean , guarantee a high credit score and positive registration;

• Study and choose the most interesting amortization system for you (SAC, Price or SACRE);

• Pay attention to the Total Effective Cost, with mandatory financing fees and insurance;

• Compare real estate financing conditions in different banks;

• Analyze which financing proposal has the best conditions for you

Finally, know that the value of the financing installments cannot commit more than 30% of your monthly income. So, avoid creating more debt and keep a good financial reserve for possible unforeseen events. If you still have doubts about how real estate financing works, check out the video below about the main questions on the subject.

Run Financing Simulations

In order for you to have all the information on the values ​​you will need to have at hand to buy your apartment and move out of your parents' house, the first step is to do some financing simulations.

Look for Apartments that Fit in Your Pocket

Even if it seems obvious, research apartments that you can actually afford. In other words, don't go too far and look for an apartment that fits your budget. With this, you avoid huge stress. It is also worth remembering that, by law, the financing installments cannot exceed 30% of your monthly income.

Choose a Property Close to Your Work or College

To make your choice of property easier, try to look for apartments that are close to your place of work or college. This way, you avoid spending hours in traffic and make it easier for you to move around the city on a day-to-day basis. In addition, you will be able to have a better quality of life and also save money on transport.

Bonus Tip: Research the Builder's Reputation

Before buying your apartment, check the credibility of the builder, especially if the purchase is for an apartment on the floor. Check how long the company has been in the market, and research the delivery history and the quality of the condos already built. Then, see if the builder has lawsuits due to delays or problems with customers. To do this, consult the construction company's CNPJ.

In particular, Construtora Tenda has been dreaming of owning a home for more than 130 thousand families for over 50 years. Next, see the testimony of young Evelyn, who managed to conquer her own apartment on her own with an income of R$1,600.00.

What are the Advantages of Leaving Your Parents' House?

For any young person, leaving their parents' home is a very important step in life. However, there are pros and cons to living with your parents. Below, we list some advantages of this major change.

More Privacy

For starters, having privacy is one of the great benefits of leaving your parents' home. That's because you won't need to give satisfaction where you were, with whom, or worry about having someone lurking trying to listen to your calls, etc.

Greater Autonomy and Freedom

You know that dream of doing what you want, when you want and how you want, without having to give satisfaction to anyone? Well, by living alone you have that advantage.

You will be able to sleep and wake up whenever you want, clean the house whenever you want and receive whoever you want at any time. However, every decision you make, the consequences will be yours alone as well. Know that you will have to bear everything that happens to you, whether good or bad.

Quality of Life

Leaving the parents' house can also be an advantage in terms of quality of life. That's if you, for example, live close to work or college. In addition, depending on the type of condominium your apartment has, you will be able to enjoy the leisure areas of the development.

Gain More Responsibility and Maturity

One of the biggest and most important benefits of leaving your parents' home is gaining maturity and responsibility in your life. However, many people do not take this issue well since they have to make their own decisions. Each choice will be based on your budget, goals and beliefs, and this will give you a sense of responsibility for yourself. This is how you build your life and your way of living.

What to Do When Leaving Your Parents' House?

When you stop living with your parents, it is inevitable that you will face a new world where you are solely responsible for your life and success. However, leaving the comfort zone generates a lot of insecurity in some people, in addition to the fear of making mistakes. Doubts about how your relationship with your parents will be may also arise at this time. In addition, it is through autonomy and freedom that they provide personal growth as an individual, ensuring maturation. Below, we have selected some essential points that you need to pay attention to once you leave your parents' house and live an independent life.

Take Control of Your Finances

Certainly, many young people who have not had a good financial education, go through some financial problems after leaving their parents' house. So, in order not to go through this situation, it is of paramount importance to have control over your finances. Good financial planning predicts spending less than expenses. In addition, keeping a good emergency reserve will give you more security and solve any unforeseen without affecting your lifestyle.

Learn to Do Household Chores

Once you enter your new home, along with the freedom comes the responsibility of doing all the activities around the house. Unless you pay a day laborer to do the cleaning tasks on a day-to-day basis, you are the one who keeps your own house in order. This includes washing dishes, clothes, cleaning the house, among other household chores. At first, for those who have never done this at their parents' house, it may seem difficult. But once you've learned a number of skills and created such responsibility, you'll realize that it's part of your maturing process.

Don't be Afraid to Ask for Help

Understand, just because you are living alone doesn't mean you have to face all the problems and difficulties on your own. Know that you have to respect your limits and understand that you won't always know how to solve everything. Even because, it is a new stage that you are experiencing. So, know who to count on to give you the necessary support in this transition phase. It could be a friend or even your parents. The most important thing is whenever you realize the need, ask for help.

Keep a Good Relationship with Your Parents

Even after moving out of the parents' house, it is inevitable that the relationship with them will change. It is a challenge to improve the relationship between parents and children, but the most important thing is to always try to have a good family relationship. At that moment, feelings of loneliness and worry are common, but everything can be resolved with sincere dialogue between everyone. Thus, it is the best way to deal with the distance. Finally, whenever you can, try to stay in touch with your parents and find a way to balance contact with them in your new reality.

Know How to Deal with the Longing

In any case, it is inevitable that homesickness will arise after you leave your parents' house. It's impossible not to miss them, as you lived together daily. Try to learn and understand your new reality, and adapt to your new life. The essential thing is, whenever necessary, keep in touch with your parents and other family members, such as your siblings.

Nowadays, with the advancement of technology, this has become easier. Whether through video calls or cell phone messages. The ideal is to separate a time of the week to keep in touch with your family members. Know that the longing is reciprocal on their part, and it is good to alleviate this emotion whenever possible. Therefore, you need to have a little patience right after your move, as parents often experience “empty nest syndrome”, a feeling of sadness caused by their children leaving home.

I could see that leaving your parents' house is a very important decision for you, but it's not an easy change. It takes planning and a lot of dialogue with your parents. After all, conquering freedom, making mistakes and successes is walking towards your maturation that is part of your journey. So if you have decided to leave your parents’ home, you may check out houses in Metro city.