Family Firsts: Budget-Friendly Buying and Moving Tips for Parents

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Family Firsts: Budget-Friendly Buying and Moving Tips for Parents by Lance Cody-Valdez

If you’re a young family looking for budget-friendly buying opportunities, you may feel that your options are limited. Cheap housing options may feel like they’re in short supply, but there are still plenty of ways to reduce down payments, pay for closing costs, and set up a move that suits you and your family. In this recent post on Mom’s Turn Journal, contributing author Cody Lance-Valdez discusses a few tips for buying and moving on a budget.

Buying a Home

If you want to find a property that accommodates your needs and works for your budget, you’ll need to carry out plenty of research in advance - not just of the neighborhoods and properties themselves but also the array of purchasing options. Here is some information to get you started.

USDA Loans

If you’re interested in purchasing rural property, you may be able to receive help from the USDA (U.S. Department of Agriculture). Designated “rural areas” represent almost 97% of U.S. landmass - if you are interested in properties located in one of these and your household income is low-to-average, you may be exempt from a down payment and qualify for below-market mortgage rates & insurance costs.

Down Payment Assistance Programs (DPAs)

DPAs are location-specific payment programs to help reduce the costs of down payments for home buyers via loans or grants. These can vary depending on state/county and each has its own unique variables. Typically, lendees can expect a DPA to take the form of a grant, loan, deferred loan, or forgivable loan. It’s worth seeking programs online as they pertain to your location or speaking to a loan officer/broker within your county to explore your options.


If you run a business and you’re moving state, there are likely to be a host of administrative tasks ahead of you. In addition to transporting any physical assets such as equipment, furniture, stationary, and appliances, you’ll also need to update the company address on all documents, letterheads, websites, and social channels and inform your bank/financial providers of the change.


Kids can represent an additional obstacle when it comes to the moving process. Be sure to keep them involved in the planning so they understand how and why things are happening. It will help to ensure they have plenty of mental stimulation for the long drive and special toys/comfort items to reassure them during this potentially emotional period.

A good moving company* will provide infinite value, ensuring your transition is carried out smoothly, efficiently, and respectfully - just be certain to get an accurate estimate ahead of time, avoid large deposits and extra fees and agree on a written contract that outlines costs and details.


You may find that, upon moving to your new property, there isn’t quite enough space for all your possessions. If this is the case, be sure to check out all the storage units in your new area so that you don’t lose any key items in the transitional process. You may find researching in advance saves you money and gives you time to create order at the new property.

Consider a Home Warranty

Last but certainly not least, you should consider protecting your biggest investment with a home warranty. In fact, this is a good one to consider if money is an issue, since it could save you a bundle in the long run should you have problems with a major appliance like the air conditioning or a furnace. You’ll also gain some invaluable peace of mind, knowing you’re covered in the event of an emergency.

Make Plans for a Smooth Transition

For young families, the moving process can be expensive, time-consuming, and stressful. Fortunately, with the right preparation, it’s possible to save money, hours and headaches. Research homes, find reliable movers to move your home and business, and purchase a home warranty to protect your investment.

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Disclaimer: Mom’s Turn Journal and its authors are not responsible for any financial choices or decisions of its readers and encourages it’s viewers to do their own due diligence.

Image by Pexels and August de Richelieu

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