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There are many first-time homebuyer programs that offer down payment assistance, lower interest rates, or other utility benefits. It’s best to research all the details, however, as some have residency requirements, tax implications, and other restrictions that may—or may not—work for your life plans. If the stock market does well during the years of your loan, then you’ll miss out on those earnings.
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It’s a popular practice for people who have eclectic beliefs, and many people swear by it. This also will help prevent your home from being too smoked up. Some suggest lining the windowsill with salt to prevent bad energy from returning. Simply follow the steps above, set good intentions, and try not to inhale too much smoke. Designating your ritual materials for smudging will keep their purpose sacred, so once you’ve finished the saging process, store them in a safe place for the next time you want to use them. According to WebMD, blue sage is used for cleansing and healing, while desert sage is used for purifying and protection.
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It's considered to completely remove any and all negative energies from space as well as induce a sense of calm, healing, and purification. You’ll need a small bowl or tray to catch the ashes and embers that fall from the sage bundle or smudge stick. Clay bowls or abalone shells work great, and you can easily purchase them online.
Step Five
Buying a home for the first time is one of life’s sweet milestones. In Southern California, home to 27 of Zillow’s 100 most expensive U.S. A few loan programs allow you to buy a house with no down payment, including VA and USDA loans.
What You Need for Smudging
White sage is the most common for smudging because of its strong and heavy presence, perfect for smudging your entire home. Fast forward to today, and burning sage is still used by new homeowners on move-in day and beyond. So if sage is on your shopping list, you can find it at your local independent herb shop, specialty grocery stores, farmers’ markets, or even online. "if a nursing home is inevitable, then consider whether your loved one will qualify for Medicaid or will be private pay will be critical," says Chris Plance, a healthcare consultant at PA Consulting. "Qualifying for Medicaid is based on having an income and asset level below the poverty line — which for many families will involve a very specific spend-down process to qualify."
While you don’t have to give up everything you’re used to, the more spending you can limit, the more cash you can funnel toward your savings goal. Don’t forget the miscellaneous costs of buying a new home, such as a moving truck, utility deposits and stocking essentials like lightbulbs and toilet paper. Building a buffer into your savings plan is a good idea because you never know how negotiations will turn out or what unexpected costs may arise. Although the process will not take long, the results of the sage cleansing should take effect immediately. Some people also like to incorporate a seashell into their smudging practice to catch the ash that falls as the sage burns, although a plate or similar object will also work well.
White sage may be the most common due to its easy burning, but blue sage is also said to have cleansing powers. Many pagans also will smudge a house with bundles of lemongrass, lavender, palo santo, or calendula flowers. If you’ve never saged or smudged your home or yourself, maybe it’s time to give it a try! So trying a new ritual to set good intentions and promote positive healing energy can’t hurt. First and most obviously, you’ll need some sage to get started. You can create your own sage bundle (also known as a “smudge stick”) or purchase one online for convenience.
Make noise as you walk through your space
Some people smudge daily, and others do it upon entering a new phase of their life. Exercising and eating healthy is excellent for detoxing the body, but you also need to address the spiritual side of healing. If your energy feels particularly heavy, use these cleansing techniques to free yourself of lower vibrational energy that might be holding you back from living a full life. If you are sensitive to smoke or live in an apartment where it isn’t allowed, the essential oils of white sage and Palo Santo can be combined in a spray bottle with purified water. You can enhance this cleansing spray even more by infusing the water with the healing properties of raw crystals such as Rose Quartz and Aquamarine, two of our favorite gemstones for the heart chakra.
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Remove Negative Energy from Your Home and Body
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A number of studies have shown that saging a house has even more benefits, beyond the emotional and psychological ones. Her dream is to inspire others to live full, happy, and balanced lives. Ava has spent 7+ years writing for a number of lifestyle websites and magazines and specializes in mental health, nutrition, and self-care. Go with what you feel is right and don’t worry about saying the right prayer or moving in the right direction around a room.
In addition to the down payment, you’ll need to set aside money for closing costs. These vary greatly by state (thanks to taxes) but usually range between 1% and 3% of the purchase price. The first step is to figure out your housing budget, and from there you can deduce the size of the down payment you will need. Additionally, you need to know the average closing costs in the area where you want to buy a house as you’ll have to either save up for those or roll them into the loan. Holding the sage stick, follow the perimeter of the door and work your way around the edge of each room, paying special attention to areas where there were arguments, such as living rooms and bedrooms.
Often, burning sage, or smudging, is done whenever you are completing a deep clean of your home too, to help refresh the energies of the space as well as the upholstery and surfaces. Most often, smudging involves burning sage, but it can also involve burning other spiritually medicinal herbs such as sweetgrass and cedar to help cleanse a space’s energy after moving in, or after an illness. If you're new to the practice of smudging, there are a few more items you'll need to get started.
If you're looking for other ways to clear your space, or if sage is not your thing, or you're just curious to see what else is out there ~ for smudging your home, I've got you covered. In doing this ritual and saying these words, it becomes a much more powerful practice. Since then, this practice has become widespread among spiritual circles of all types. If you’ve ever followed a recipe that required different herbs & spices, you may recognize sage as an earthy green herb with a powerful aroma.
Smudging your house can help rid the area of this negative energy and free up your space for positivity. Burning sage or smudging is said to eliminate negative energy from your space. Changing your dwelling’s energy with smoke can alleviate stress and help neutralize the vibe of your home.
Keeping a clean, clutter-free home means negative energy won't have a place to congregate. Consider smudging new houses or apartments when you move into them. It can also be a good idea if you’re depressed or stuck in a rut.
Once she puts out the sage, Gala then walks around the house in a clockwise direction and set another intention. She'll commonly say," My intention was clearing out all the negative energy to now have a peaceful is and happy home." Another popular smudging method is with Palo Santo, meaning "holy wood" which is used for bringing positivity and good fortune into your space and, and is considered more intensive than burning sage. Palo Santo is found in South America and can only be harvested once trees have naturally fallen in the rainforest and lie dead for several years. Sage and Palo Santo can be bundled together or separately, but consider sage for removing the negativity out, and Palo Santo for bringing new, better energy in.
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