Woman 和 daughter downsizing to a smaller home.

缩小房屋时要考虑的事情

你是否在为退休而裁员, becoming an empty nester or just looking to cut costs, see that the benefits of downsizing can outweigh the drawbacks.

裁员是一个重大的决定, so give 你的self plenty of time to think about how 你的 life may be impacted 和你的 lifestyle may need to be adjusted as you weigh all the potential benefits 和 drawbacks of moving to a smaller place.

裁员的好处:

减少开支

移动 to a smaller place might help reduce 你的 expenses on things such as 你的 rent or mortgage payments, 你的 pp王者电子官网费 和你的 水电费.

增加你的现金流

If you move into a place that’s more affordable, you may have more money left over each month that you can put into 你的 储蓄,用来 偿还一些债务 or spend on more of the things you enjoy, like massages or dining out.

在你的口袋里放些钱

你可以通过……来赚钱 卖掉你的房子 或者一些物品. 例如, 因为你要搬到一个更小的地方, you may not have room for large furniture pieces.

腾出时间

Smaller spaces may require less of 你的 time to 清洁维护. 移动 into a smaller place can help free up 你的 time so you can spend more time doing the things you enjoy, like getting together with friends 和 family or traveling.

减少一些杂乱

Another good thing about moving into a smaller space is that it might help you reduce some unnecessary clutter so you can focus on enjoying the things that matter to you most.

增加更多便利

Sometimes smaller living spaces can offer more flexibility in location 和 access to amenities such as walkable destinations, 文化场所, 商店, 餐厅及其他. 这取决于 您选择的位置, you may find some additional 储蓄 in both time 和 money spent on transportation.

裁员的弊端:

腾出一些空间

很明显, 如果你决定裁员, that means you’ll have less space available than you’re used to, which may require you to make some adjustments in 你的 life, 取决于你的生活方式.

你定期做吗? 举办派对? 你有吗? 宠物? 你喜欢园艺吗? 移动 to a smaller place may mean that you’ll need to find alternative places to do some of the things you’re used to doing at home like entertaining, 接待过夜客人, 在家办公 or letting the dog out the back door to run around in the yard. You may also need to find an additional storage facility to store some of 你的 belongings if not everything fits in 你的 new place.

增加新的费用

Although you may find some cost 储蓄, t在这里 may also be some additional costs you could incur. 例如, 如果你决定搬进公寓, you may find that you’ll have to pay condo association fees. Or maybe you currently use 你的 own fitness equipment at home that won’t fit in a smaller place, so you may need to join a gym to 维护 你的 same workouts.

下面是一些例子:

  • 移动的成本
  • 新的抵押贷款
  • 公寓或业主协会费用
  • 健身房的会员卡
  • 停车费
  • 存储费用

As with any plans for the future, try not to rush into the decision before weighing all 你的 options. And if you do decide to move, check out this other article on 租和. 购买.

The information in this article was obtained from various sources not associated with 状态 Farm® (including 状态 Farm Mutual 汽车mobile pp王者电子官网 Company 和 its subsidiaries 和 affiliates). While we believe it to be reliable 和 accurate, we do not warrant the accuracy or reliability of the information. 州立农场不负责, 不赞同或赞同, 隐式或显式, the content of any third party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. 状态 Farm makes no guarantees of results from use of this information.

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