I love how your excitement keeps bubbling over and you just cant contain yourself. I am so happy for you. Such a huge accomplishment.

I’m so happy for you l❤️ Don’t forget a home repair budget line. There is always something that needs to be fixed and often at an unexpected time. Hey, tell us about your house!

Tip # 3 for saving your money, shop at dollar stores, thirft, discount food stores and garage sales to save big bucks.

If someone is clearing out there house/garage and offers you free stuff...say yes! Tools, containers, linens, lamps, tables, wall art, area rugs. Amazing how those can add up.

We wanna see your house when you get in it and decorated! :) Soooo happy for you!!

I would add another category to home ownership; maintenance. Which includes: pest control, appliance repair, air conditioner replacement, water heater replacement, and even any small renovations that may be necessary.

Congratulations! Call the different utilities that you will be paying to get estimates for each at the property. All you need is an address. My husband and I choose to budget or even billing for these so that we have a set amount monthly and settle annually. It helps us plan better as a single income family of five. As a homeowner, I would also plan for about 1-2% of the home value for maintenance and upkeep (exterior and interior painting, bug treatment, pest removal, HVAC maintenance, if you need a plumber or electrician, etc.) Maybe set up a separate savings account that will hold this money with a base amount set as your homeowner deductible. I would do this outside of an emergency fund because a new roof or HVAC replacement can really deplete an emergency fund, but they are items that will need to be repaired and replaced over time. Hope these suggestions help!

CONGRATULATIONS!!! 🎉 🥳 🎉 I’m so happy for you! 🙌🏻

I did the faux budget too when I was looking to buy! The bank told me I could get mortgage for X-amount and I figured out how much my mortgage repayment would be on a mortgage that size and all the additional costs. Then I lived on my faux budget for several months to be sure I could afford that much house. In the end I bought less house because I knew what that the faux budget felt like.

Congratulations Kate & Kaden! That is fantastic news. So very happy for you both. 2 toilets!?! Woohoo! Definitely a bonus there.

I love the Faux Budget. It's a great way to back into what you can comfortably afford without being house poor.

Congratulations! Don't forget to set up a sinking fund for home repair. Single mom homeowner here. Currently working on saving for a chimney repair, garage door repair, sink/dishwasher repair, three fan motors went out at once, and our windows are from the 1950s and need replacing someday. I can do it and so can all of you reading just remember to save because this have a habit of going all at once

I paid off my water bill in full.i feel so humble.im crying.

Single mom, fine as hell, and able to buy a house alone. You are a role model for all the girls out there! Certainly for me.

Congrats!! That is great! I always recommend adding a 10% "Sh*t happens tax" to any amount I budget. It is always more than expected.

I used to pay for a trash service until I figured out how inexpensive it is to go to the transfer station. $3 per bag here. Recycle . Recycle . Recycle! I have only a car and created a system to take care of this . It has saved me thousands over the years .

"Whoop Whoop" SO Happy for you Kate n Kaden !! THANK YOU for adding the extra tips! xo

Don’t forget to add home maintenance to your budget cause in an apartment we just make a phone call and say come fix this problem lol great video, I make faux budgets all the time. 😀👍

All your hard work, sacrifices, and dedication has paid off . Great job I love your excitement 😊

Congrats on the house! I love how you pointed out all the different things you will need to pay for. So many people have been telling me renting is a waste of money but in my situation right now I’d be so house poor! I’m going to send this video to the next person who tells me renting is a waste. :)

I bought in mid-2018, and sitting down to work up a faux budget was Step Zero to help me get a real handle on the house price, emergency fund, property taxes, closing costs, utilities, home repair savings, EVERYTHING that I'd be able to afford. It is absolutely the best and most important thing you can do to kick off your home purchase. I did this before I ever really started hunting seriously for homes. So excited for you!

Congrats! I recognize that feeling when we bought our house/apartment. Also, Excitement and a Big stone over our hearts, but, 13 years after the excitement was even bigger when it was paid off. How we did? Exactly as you recommended. We had a budget and we kept stuck to it. We still living below our means as we are now saving for our retirement.

I am soooooo excited for you! I hope you give us a new home tour. I saw your thumbnail and got so excited, but I was at work and couldn't click on it 🤪

This is so exciting!! 🏡🤍🏡🌼🏡☀️🏡 are you gonna do a new house tour once you’ve moved? 🌼🏡

Congrats can't wait for the house tour.

So exciting for you and your new home. I can’t wait for a home tour. Another thing homeowners may want to budget for is home/appliance repairs. No more landlord to call when something breaks. For example a boiler going out could cost $10k. Also boiler maintenance usually cost us $500 a year.

YAY! Congrats, Kate! I an SO excited to hear you've hit that goal. You deserve it, lady!

i love how you stress making sure you write EVERYTHING IN :) so important!

Aaaaaaaaah!!!!! Omg Congratulations!!!!!!! I am so happy for you and Kaden!!!!!!! Homeowners!!!!!!!!!! Yes!!!!!!!!! 💕🔥🌠🌸💝⭐🙏💕💝🎉💛🙏🌠⭐

with a yard don't forget about $75-$100 each spring and fall for lawn stuff, weed N feed, spring flowers for the front, grass seed for the bare spots, a new yard rake etc. It's always something. And Congrats Girl!

Congratulations!! I'm so happy for you & Kaden. Can't wait to see pictures of your new home. So excited for you both! Wishing you & Kaden much love & happiness in your new home.❤ Have a great weekend.

CONGRATULATIONS !!!!!!!!!!!!!!!!!!!!!!!!!!!!💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗💗 Suze Orman (whom I have followed for years) has always suggested to potential home buyers to create a faux budget. It puts things into perspective to see, way ahead of time, if you can really afford it. Everyone should do this before even thinking of buying. I think the most important thing one can do when wanting to buy a home, is to do all of your homework first. Talk to home owners, ask questions, especially about costs you may not be aware of. So happy (and proud !) of you ! 💗💗💗💗 AND no matter what..... only get a fixed interest rate. I just looked up the average cost of a home in Maine...wow! no wonder why you are buying!

Congratulations! I am a Realtor and there is nothing more exciting for me than to work with 1st-time buyers and sharing in their excitement!!! You go, girl!

PS If you have oil heat you may want to look into tank insurance especially if the tank is still in the ground.

Kate! So SO happy for you and Kaden, congratulations 🎈🎊🍾

Congratulations kate job well done and you are great public speaker.

VERY HAPPY for you and Caden! I have to laugh about the grass mowing but it'll be fun! I started mowing when I was 11 and we had close to two acres! One tip I wanted to share with you that you might want to check out, is to call the utilities company and get a monthly estimate of what the electric bill ran for the previous owners. I know people who have done that and we're shocked to find how expensive the electric was. It could also possibly identify issues that got missed during inspection. Also, here we can get what's known as equal payment plan for our electric. They basically take a full year's bill and divide it by 12. It can help if you live in places where the electricity fluctuates with the seasons, like here in the South. Not sure if they will offer it right away at a new place but might be worth asking about. It's probably going to cost more with more space. It's nice to have the same electric bill each month!

You're just so adorable, Kate! I'm so very happy for you. You've been working HARD to get this far and I'm proud of you. Does the house come with all major appliances - stove (gas or electric), refrigerator, dishwasher (no big deal), clothes washer, dryer (gas or electric), water heater? I didn't see gas or Internet or cable TV on your expense list. Have you already cut the cord? Does oil heat mean space heaters? Also, consider opening a separate savings account to cover unexpected emergencies such as car repairs, appliance breakdown, etc. You've got this, Girl!!

OH MY GOD 🙆‍♀️ IM SO EXCITED FOR YOU!!!! I cried. The funny thing about you tubers is your not aware of how much we attach ourselves to you. When things are sad we hurt with you. When you teach we learn. When we witness blessings well we're right along with you in the joy.I know how much this meant to you so I'm thrilled to be here and listen to your announcement.So deserving and as always God Bless 🏡

How exciting!!! I actually bought a house broke. I couldn’t afford to pay rent and my house is smaller but still big enough for several people. Long story but if I had stayed here all the tine during the last 5 years it would be either paid off or almost paid off. You are smart to think of everything.

So so SO HAPPY for you, Kate!!! 🎉🎉🎉

So excited for you!! Want to see photos!!!! And tour!!!!!!! Also how did this come about? Were you looking?

Congrats Kate! 👍😃 Happy for you! If you have a Costco membership, they sell things like furnace filters in pack of 3 for cheaper. Also I recommend investing in black out thermal blinds. They block out light & in winter keep the heat in your house so you don’t have to crank up the thermostat. Costco, Amazon & Marshalls have these blinds. If you have a credit card that give cash back for pre-authorized monthly payments, you can set your utilities on pre-authorized payment. Every little savings help!

One thing I never see people include is extra car gas if the house they buy is farther away from work than where they had been living.

CONGRATULATIONS!!!!!!!!!! So happy for you and Kaden!!

CONGRATULATIONS!!!!! I'm so happy for you Kate! Right before I clicked on your video, it just so happens I'm doing the same for my sister. Desperately trying to teach her how to budget, and especailly how to do a mock budget in case she decides to purchase an apartment. Talk about timing! Now I can just send her this video! Happy dance to youuuu!

Congratulations to both you and Kaden!!! You're a true inspiration.

A BIG congratulations to you!!!! You will have more expenses you may not of thought of. Do you have a patio? You may want to buy a patio set, you may need a hose and gardening things such as a shovel, rake, etc. The list goes on and on. You are going to rock being a homeowner!

I just Subscribed to your Channel, i have started living frugal about a year ago and it gets easyer every day because you realise how much stuff you are using money on that you really do not need to be happy. Congratulation to your new home. Love from Switzerland

Wow, six years. That’s an inspiration, ma’am!

Congratulations! I did own, and down sized and rent now. I do miss owning, but love that my landlords fixes any problem I have. In our town, the utility bill has electric, water, sewage, and trash all on the same bill. I did have central air (heat and cool) when I owned and had a maintenance agreement with the ones who installed the units. It was a little over 200 dollars a year and they checked the units twice a year. Parts were cheaper if you needed anything. Now that I rent, I have gas and central air conditioning. In the summer time gas is around 11 or 12 dollars a month, but electrical goes up, where as gas goes up in the winter and electrical goes down. My landlord is paid to mow my yard. That was a relief. I wish you the best. Are you going to have a garden? Take care, stay well.

Congrats, Kate! Good luck on the moving process. I know how much of a pain it can be. It’s nice to see another single lady making the big moves; it gives me hope for myself!

Wishing you all the best in your new home! I am excited for you and Kaden. Thank you for the tips toward becoming a new homeowner. 🎉🏡

So happy for you! What a blessing! Thank you for sharing! Great news! Smiling!

So happy for you & Kaden!!! Can’t wait for the tour!!

We live in a fifth wheel park in last month our electric bill was seven dollars LOL LOL

Don’t forget auto expenses, etc. Such a freat feeling being a homeowner. Congratulations to you and Kaden. Lots of good memories will be in the making.

Girl that’s awesome congratulations 🎊🎉🎈🍾 I’m breathing better because your videos are helping me save 😅 God is good so is Kate Kaden 👏🏿

Buying your first home playlist birthday boost 02/02/22 🥳

Congratulations! So happy for you guys. So well deserved!!!!

Food in the budget.

Congrats! Enjoy and furnish your home slowly and deliberately . 💪

Yesssss you go girl. That’s what saving all those years will do for you

So happy for you Kate! Enjoy and please do a new house video, I love those videos

Soo happy for you and your family!! You guys definitely deserve this!!!

House photo? Maybe? So happy for you ❤️😍💕

Oh, gosh, you deserve this joy soooo much! You go, woman! And brilliant tip.

So insanely excited for y'all ❤❤❤ You have worked hard and now your dream is coming true!

Home security, internet? Truly Congrats!

My tips,buy,or rent. Video the initial walk through.moving in.any and all repairs,and maintenence requests.record repairs being done.record moving out. Why,you ask. If a renter,and the landlord tries to sue for damages or hold onto security,you have evidence that you did not do the damages. Home owner,to protect you,for insurance reasons

Congratulations you have worked so hard. I wish you every happiness

good for you to have reached another financial goal you have set. i purchased a new car in March and i am tryin to pay it off super early, so i understand about making the new budget work. I did the same thing with my car purchase, i wanted to make sure that the other things important to me were still attainable.! what good is getting a new car, if you cant enjoy life. Same with the house!!!

Congrats Kate. I'm so happy for you and for your son. Well done superwoman 😉😉

So exciting! Congratulations! Best of luck with everything! 👏👏👏

Don't forget new household items like a water hose or another trash can or blinds/rods/drapes or even a toilet seat or light fixture...not what you want but you actually need to set up home to be functional. Soooo happy for you

Congratulations 👏!!! So exciting!!! How did you find your new house?

I want this so much for my child and I!!! Living through you for now!!!

OMG!!!!! Congrats!! So excited for u. Make sure u vlog everything for us!!

Congrats!! I wish you all the Best with your new house... You got this!!

Excellent video as usual. I can't tell you how often I've had people tell me renting and owning costs the same. Now I'm going to refer them to you!

Hi Kate I'm wondering...😂 Faux budget for retirement. Have you thought about making one? Have you already made one? (Wouldn't surprise me if you have 😊) Would you make a video on it? Would you start a series on it? Would you consider a challenge around it? If any of this is interesting to you maybe a Community tab poll to see if this faux budget for retirement would be something the KSquad wants? As this idea would have to align to Kate, time money energy 🙌 This is the video I was thinking about for this idea! Also still brilliant because of your excitement about your house 🥳

Were you tempted with houses outside of your price range?

Congratulations!!!!! I'm so excited for your new journey.

I am so happy for you Kare. You are so adorable.

Happy for you! We got our first home when I was 19 and I didn't know some of what I know now. I am sharing your video to others. I hope they enjoy the tip.

Wow I'm so happy for you! This is super exciting!! Well done!!

So happy for you :) Congratulation !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! You deserve it more than anyone.

Congratulations on being a homeowner!!!! I’ll Ed your video... so practical and so simple! 😊

Congratulations 🎈🎉🍾. Wishing you the best on your new journey on home ownership. Good advice provided 😊

Congratulations Kate 🎉 I’m so happy for you & Kaden 🥳 I cant wait to see a tour of your new home 🏡. When are you moving? 🇬🇧♥️xx

Thanks for sharing how to prepare to be a homeowner. When I was renting, It was soooo convenient to get things taken care of. But I wouldn’t trade home ownership for anything. So happy for you! 😊

This is amazing news! Congratulations, Kate!!

Congrats on the new house😄😄😄😄happy for you and your son😄😄😄😄😄the best is yet to come🎆🎆🎆🎆🎆🎆🎆

Congratulations!!! You've worked so hard for this!

Congratulations Kate and Kaden! Such wonderful news!

Yay!! Congrats. Please do a moving day video. Love those kind of videos! 😄🌈❤️

Yayyyyyyyy 🎉🎉🎉 Congratulations Kade & Kaden!!!! Can’t wait for the new house tour, decorating videos and much more!

Oh YAY!! 🎉 congrats!! I am so excited for you xxx

I’m so happy for you!! I am ready to see a walk through video of this house 😉

Well done Miss Kate! You can’t beat the feeling of a secure roof over your head. A very important step and one you can be proud of! You now really have something to show for your money 💰