Caring about my sleep and everything that contributes to a good night's rest has become a top priority for me. Maybe, it's because I am a new homeowner, and every home item I buy, I plan to use for many years. I have spent an unreasonable amount of time looking for great quality in my bedding, pillows, and mattress. I never thought I would be the kind of person to do extensive research on the kind of mattress I need but here we are.
When I heard about King & Queen Mattress Co., I knew I had to reach out. They are an Atlanta-based company that ships nationwide. Being an Atlanta resident, I love showcasing local businesses and King & Queen Mattress Co. are a company worth recognizing.
Picture from King & Queen Mattress Co.
I got The Windsor, which is their hand-tufted luxury mattress. Made with CertiPUR-US® Certified foams. All King & Queen Mattress Co.'s mattresses are chemical-free and eco-friendly. Their attention to detail is immaculate. I received constant updates on my mattress after the order had been placed. I was advised on the kind of mattress based on my height, weight, and sleeping habits.
The delivery process was truly my highlight because I live in a townhome with way too many stairs and having their team deliver with the option to set up the mattress was amazing. I am looking forward to many cozy nights (and lazy days) in my new mattress!
This is extremely obvious, but it doesn't hurt to repeat. After I graduated college, I put a small amount of my income aside. I also picked up freelance projects, and blog sponsorships as an additional way to make money. I have also had a credit card since I was old enough to do so with the support of my parents. Therefore I have been building my credit history and showing I can make payments on time.
My money habits would not be possible without my parents. I was taught a lot about money and saving from a young age. My parents were not afraid to speak about money to my brother and I. We were raised to save with a purpose and not spend above our means. We used credit cards to build credit in hopes of making major life purchases such as a house. Although we NEVER bought items with our credit cards, we did not have the money in our accounts to pay back.
Before you start looking for a home, gather all the information you need about home buying. Ask friends and family, read articles and books about the process. Below is a free online course I took that helped me understand the home buying process.
Another way to can get help is through your loved ones. I was fortunate enough to save money for my down payment, although through the option of a gift letter*, my family could pay for other expenses such as my closing costs*. If you are in a similar situation, this is a great option, although you have to have a good credit score* and a well-paying job or source of income.
When applying for a home loan, they will want to know your debt-to-income* ratio. This was surprising because I thought they only cared about the money you had saved. Your debt is any payments you owe or slowly paying off, i.e., student loans, car loans, credit card bills, hospital bills, etc.
My only debt was my student loans when applying, which wasn't an issue. I fully own my car and always pay off my credit cards in advance. In most cases, everyone has debt, although your debt shouldn't be more than your overall income. Most mortgage companies want to see if you will still have money to afford your mortgage payments after paying your monthly bills (phone, internet, power, credit card, student loan, etc.). Therefore your overall debt should be less than the money you earn every month.
Looking back from when I started applying for a loan to currently being a homeowner, I have noticed my race and gender didn't affect the process. I was fortunate to work with a realtor and mortgage advisor that fully supported me. To my knowledge, I didn't face any discrimination. Which is not the same for everyone.
Although, when it came to my age, I could tell that could have been an issue if not for how I presented myself. Most of the time, I am very goofy and laidback. Although when it comes to money, I am serious. It is vital to have a balance.
Being young means there is a chance you will not be taken seriously. This makes sense because we do not have much life experience compared to older generations. Although, this is when asking the right questions and doing your research comes into play. When communicating with your loan advisor, speak/write in complete sentences and avoid slang. Come prepared with questions and fill out all forms to the best of your ability.
Simply put... expect the unexpected. Always have additional money outside of your down payment and closing costs for things like your home inspection* and appraisal*. Don't forget you will also need money to move and if you buy an older home, you may need some renovations. Also, the bank transfer and payment fees stuck up on me. Look out for those too!
Disclaimer: these definitions were found online through various sources
"How are you feeling?"
I don't like asking, 'how are you?' because the default response is 'I'm good. You?'. In most situations, we are not good. Maybe I should speak for myself and say I am not good. In reality, I am going through the motions and hoping for the best. These past few months have not been easy, although I can say things are looking up. I am indeed doing good.
We tend to share the highlights of our life, which is important. Although I am working on being honest when asked, 'how are you?'. Especially when the person asking honestly wants to know how I am doing.
That being said I would love to know how you are feeling? I also want to let you know you are not alone, and things do get better.
Coat - Mango, Hoodie - Hanes, Leggings - H&M, Shoes - Jordan 1s
