Chidera Peters
Chidera Peters
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One Year As A Home Owner: Regrets, Tips & Lessons for UK First-Time Buyers 🏡
Buying a house is just the beginning! 🏡 It’s been a year since I bought my first home, and let me tell you, it’s been a journey full of unexpected lessons, costly surprises, and rewarding milestones. In this video, I’m sharing everything I’ve learned about homeownership-from managing expenses to DIY hacks, and avoiding rookie mistakes.
✨ Here’s what you’ll learn in this video:
- How to avoid feeling house-poor by leaving room in your budget
- Why settling into your home is a marathon, not a sprint
- DIY wins and the shocking costs of labour (£6,000 for wardrobes?! 😳)
- Why location can matter more than property size
- The realities of garden upkeep and how to save time
- Decorating regrets, furniture mishaps, and practical tips for creating your dream home
💡 FREE RESOURCE: House-Buying Checklist: famous-moon-161.myflodesk.com/ucafv0zcji
💬 Comment below: What’s the biggest lesson you’ve learned (or worry about) when it comes to buying or owning a house? Let’s chat!
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RESOURCES MENTIONED
👉🏽 Start your print-on-demand business today on Printify and explore the Early Access Catalog: printify.com/app/products/early-access
🏠 Don’t miss my First-Time Buyer’s Guide-packed with tips, checklists, and advice to simplify your home-buying journey. Download it here 👉 stan.store/thechiderapeters
📅 Speak to a Qualified Mortgage Advisor (The first call is FREE) - tr.ee/4wGwAxS0Ht
👉🏽 OPEN A 5.01% AER (variable) CASH ISA ON PLUM
Rate correct as of 13/01/25 prf.hn/click/camref:1011l3Tbxs
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🎥 WATCH NEXT
How to Stop Living Paycheck to Paycheck ua-cam.com/video/yJEAW_KdbR0/v-deo.html
The Full Process of Buying a House in the UK ua-cam.com/video/wBR9fHnwoZk/v-deo.html
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DISCLAIMER: This is not personal finance advice. Always speak to your personal finance advisor for tailored financial advice
#housebuying #howto #firsttimehomebuyer
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FOR COLLABORATIONS/SPONSORSHIPS
Please get in touch with me hi@thechiderapeters.com
____________________________
MY INSTAGRAM: thechiderapeters
MY TWITTER: chiderapeters_
MY TIKTOK: www.tiktok.com/@thechiderapeters
______________________________
MY GADGETS
📹 Camera amzn.to/4anHFop
🎤 Microphone amzn.to/3Jtw4Zv
📸 The Lens amzn.to/4aL0guE
💡The lights I use amzn.to/484rRqo
________________
TIME STAMPS
0:00 Introduction
00:45 Lesson 1
01:49 Lesson 2
02:35 Lesson 3
04:01 Lesson 4
04:57 Printify
06:16 Lesson 5
07:18 Lesson 6
08:10 Lesson 7
09:38 Lesson 8
10:39 Lesson 9
11:36 Lesson 10
12:13 Lesson 11
Thanks for watching!
Переглядів: 26 796

Відео

How To Self-Assessment Tax Return UK 2025: Easy Step-by-Step Filing Guide (TaxScouts)
Переглядів 2,9 тис.День тому
🔍 How to Do a Self-Assessment Tax Return in the UK (2025 Made Easy!) Filing your self-assessment tax return can feel overwhelming, but it doesn’t have to be! Whether you’re self-employed, have rental income, or a side hustle, this step-by-step guide will show you exactly how to file your tax return stress-free. 💼 💡 In This Video, You’ll Learn: ✔️ What a self-assessment tax return is, and who ne...
How Much I Made from Investing, My Savings Rate & Biggest Money Lessons
Переглядів 18 тис.14 днів тому
💸 Curious about how I managed my finances in 2024? In this video, I’m giving you a full financial recap, including: 📈 My investment portfolio performance and returns 💰 How I worked toward saving 6X my living expenses 🛠️ The challenges I faced trying to save 60% of my income I’ll also share the BIGGEST money lessons I learned this year, like staying flexible with financial goals and how consiste...
How To Stop Living Paycheck to Paycheck | This Is Why You’re Always Broke & How to Fix It
Переглядів 5 тис.21 день тому
Are you tired of running out of money before the end of the month? 🛑 In this video, I’m sharing a step-by-step guide to help you break free from the paycheck-to-paycheck cycle, especially if you're in the UK. 📌 What You’ll Learn in This Video: 1️⃣ How to understand your spending habits and track your expenses. 2️⃣ Simple budgeting tips to reduce stress and save more money. 3️⃣ Practical strateg...
Buying a House in 2025: The Ultimate Guide for First Time Home Buyers UK
Переглядів 9 тис.Місяць тому
Are you a first-time buyer in the UK trying to figure out how to buy your dream home? Or feeling overwhelmed by the house-buying process? This guide is for YOU! In this video, I walk you through how to buy a house in the UK in 2025, covering every step from saving for your deposit to getting your keys. 📌 What You’ll Learn: - How to buy a house in the UK as a first-time buyer - Step-by-step tips...
Signs You’re Doing Well Financially (Even If It Doesn’t Feel Like IT)
Переглядів 4 тис.Місяць тому
In this video, I discuss the key signs that indicate whether you're doing well financially, even if it doesn't feel like it. I’ll reveal 10 key signs that show you’re winning with money-these are the same habits that build wealth and financial stability over time. 👉 Which of these signs do you see in your life? Leave a comment below Remember to like, subscribe, and share this video with someone...
The Truth About UK Mortgages: Is It ACTUALLY Worth It?
Переглядів 36 тис.Місяць тому
Unlock the truth about mortgages in this in-depth video where I discuss whether buying a home with a mortgage is truly worth it. 🏠💷 Whether you're navigating the UK property market or trying to decide between renting and buying, this video will guide you step-by-step through the pros, cons, and hidden truths about mortgages. From understanding how mortgages work to discussing whether they’re a ...
The 7 Money Apps Everyone In the UK Should Have To Build Wealth
Переглядів 14 тис.Місяць тому
Today, I’m taking you through my top money apps that have transformed how I save, invest, and grow my wealth right here in the UK. If you’ve been searching for reliable, easy-to-use finance apps to help you achieve your goals, look no further. These apps are perfect for anyone wanting to take control of their finances and make the most of every pound. From boosting savings to kickstarting inves...
10 BEST Side Hustles To Start In 2025
Переглядів 35 тис.2 місяці тому
Looking to boost your income in 2024? In this video, I’m sharing the Top 10 Side Hustles to Make Money in the UK - realistic ways you can start earning extra cash today! From flexible options you can do from home to high-paying gigs with serious earning potential, I’ll cover side hustles that fit different skills and schedules. Whether you’re aiming for an extra £500 a week or just want a bit o...
VLOG: GRWM, TikTok Earnings, Savings & Investing Update, Unboxing, & YouTube Event
Переглядів 5 тис.2 місяці тому
Join me in this vlog as I get ready for the day, share my latest TikTok earnings, update you on my savings and investing journey, and unbox some fun surprises! Plus, I take you along to an exclusive UA-cam event! Whether you're here for finance tips, a behind-the-scenes look, or just some fun vibes, this video has it all. Don't forget to subscribe for more personal finance and lifestyle content...
The 6 Bank Accounts Everyone in the UK Should Have for Financial Stability
Переглядів 72 тис.2 місяці тому
Are you looking to build a strong financial foundation in the UK? In this video, I’ll break down the six essential bank accounts everyone should have to achieve financial stability and stay on top of their money game. Whether you're new to managing your finances, planning for future investments, or simply aiming for a more organized approach to your income and expenses, these accounts will set ...
Lifetime ISA for First Time Buyers in the UK: My Review and Costly Mistakes to Avoid
Переглядів 10 тис.2 місяці тому
If you’re a first-time buyer in the UK, there’s one account you must open right now-the Lifetime ISA (LISA)! In this video, I break down everything you need to know about the Lifetime ISA-what it is, where to open one, and the requirements to qualify. I also share my personal experience using a LISA, the pros and cons, and answer common FAQs, including a practical example of how the 25% penalty...
The Truth About Buying a Home in UK: 10 Rules to Avoid Going Broke
Переглядів 36 тис.3 місяці тому
Buying a home can be a risky financial move if you don’t plan carefully. With rising interest rates and fluctuating house prices, it’s essential to follow these 12 must-know rules to avoid going broke during the process. In this video, we cover everything you need to know-from budgeting tips and mortgage strategies to reducing hidden costs and safeguarding your investment. 🔑 Here’s what you’ll ...
The Real Reason Migrants In UK Live Paycheck to Paycheck - Avoid These 7 Money Mistakes!
Переглядів 66 тис.3 місяці тому
Stuck in the cycle of living paycheck to paycheck? 🤔 In this video, I’m breaking down the 7 bad money habits that are keeping UK migrants from achieving financial stability and how to overcome them! 🚫 From reckless credit use to trying to impress others back home, these habits are making it harder to save and build wealth. If you’re ready to transform your financial situation and start making s...
PCOS Update: Hormone & Fertility Tests, Supplements & What's Working
Переглядів 9 тис.4 місяці тому
Join me in this in-depth life update as I navigate the challenges of living with PCOS. I share my experience with at-home fertility tests, discuss the supplements I use, and share the lifestyle adjustments that have made a difference. Whether seeking advice on managing PCOS or curious about fertility testing at home, this video provides valuable insights and real-life experiences. Please let me...
How to Save To Buy A House Quickly | 4 Fast Deposit Boosters
Переглядів 9 тис.5 місяців тому
How to Save To Buy A House Quickly | 4 Fast Deposit Boosters
12 Costly Mistakes First Time Home Buyers Make - Avoid them
Переглядів 12 тис.5 місяців тому
12 Costly Mistakes First Time Home Buyers Make - Avoid them
ATLANTA LIVING: Apartment Tour, VR Date Night, Meeting YouTubers, First Impressions & Shopping
Переглядів 10 тис.5 місяців тому
ATLANTA LIVING: Apartment Tour, VR Date Night, Meeting UA-camrs, First Impressions & Shopping
New York is NOT What I Expected | Culture Shock and First Impressions
Переглядів 10 тис.6 місяців тому
New York is NOT What I Expected | Culture Shock and First Impressions
I’ve Relocated to the USA🇺🇸 | Hello NEW YORK !
Переглядів 20 тис.6 місяців тому
I’ve Relocated to the USA🇺🇸 | Hello NEW YORK !
House Tour: Transforming Our NEW BUILD Home + Before Meets After✨
Переглядів 53 тис.7 місяців тому
House Tour: Transforming Our NEW BUILD Home Before Meets After✨
How Much We Spend on African Food & Groceries Monthly UK | PCOS Friendly
Переглядів 5 тис.7 місяців тому
How Much We Spend on African Food & Groceries Monthly UK | PCOS Friendly
JUNE RESET: How Much I Spent & Saved, Interests Earned, Financial Goals
Переглядів 5 тис.7 місяців тому
JUNE RESET: How Much I Spent & Saved, Interests Earned, Financial Goals
New Home Setup: TEMU Home Decor And Kitchen Finds | Actually Useful Items
Переглядів 7 тис.7 місяців тому
New Home Setup: TEMU Home Decor And Kitchen Finds | Actually Useful Items
How We Manage Bills and Finances as an African Couple in the UK
Переглядів 6 тис.8 місяців тому
How We Manage Bills and Finances as an African Couple in the UK
How I Save 60% Of My Income Monthly (FULL DISCLOSURE)
Переглядів 9 тис.8 місяців тому
How I Save 60% Of My Income Monthly (FULL DISCLOSURE)
How To Build Your Credit Score FAST As A New UK Resident (2025)
Переглядів 16 тис.8 місяців тому
How To Build Your Credit Score FAST As A New UK Resident (2025)
Money Mistakes You Should Avoid
Переглядів 4,1 тис.8 місяців тому
Money Mistakes You Should Avoid
My First Time in JAPAN: Tokyo Isn't What I Expected | Travel Vlog
Переглядів 8 тис.9 місяців тому
My First Time in JAPAN: Tokyo Isn't What I Expected | Travel Vlog
My 2024 Money Goals: Savings, Investments, Expenses, Pensions etc
Переглядів 3,1 тис.9 місяців тому
My 2024 Money Goals: Savings, Investments, Expenses, Pensions etc

КОМЕНТАРІ

  • @flowers1-2-1
    @flowers1-2-1 4 години тому

    I’m twice your age but, what I learnt early on is that I don’t like cleaning💯therefore, as the years have rolled on, I have less and less ornaments and knickknacks😬 Dusting and cleaning should not take up a lot of your time🤭 A larger house means more cleaning time! A south west / south or west facing garden is a MUST! 💯✅ It makes such a difference to how much light your house gets, or how warm, especially during winter. Great video🤗 I wish I had known much of what you know when I was buying my house back in the 1990s😁 🇬🇧🇯🇲

  • @flowers1-2-1
    @flowers1-2-1 4 години тому

    I’m twice your age but, what I learnt early on is that I don’t like cleaning💯therefore, as the years have rolled on, I have less and less ornaments and knickknacks😬 Dusting and cleaning sh not take up a lot of your time🤭 A larger house means more cleaning time! 🤗🇬🇧🇯🇲

  • @E-Quinn
    @E-Quinn 8 годин тому

    Where do you stay please?

  • @mavisachiaaowusu6040
    @mavisachiaaowusu6040 11 годин тому

    Whats DIY

  • @dianaadegoke772
    @dianaadegoke772 14 годин тому

    Investing

  • @adejumojumoke1642
    @adejumojumoke1642 18 годин тому

    Investing

  • @OgochukwuAneke-gj1ey
    @OgochukwuAneke-gj1ey 18 годин тому

    Thank you

  • @mfonekipa9228
    @mfonekipa9228 19 годин тому

    Investing

  • @vivianzenebonyengibowokoma7963
    @vivianzenebonyengibowokoma7963 19 годин тому

    Investing

  • @djswiftie
    @djswiftie 19 годин тому

    If your savings are in a Cash ISA or Stocks and Shares ISA and you have earned interest do you still need to complete a tax return?

    • @ChideraPeters
      @ChideraPeters 18 годин тому

      No you don’t. ISAs are tax free accounts. So you don’t need to pay tax on earnings in any ISA

    • @djswiftie
      @djswiftie 18 годин тому

      @ I was just asking the question so that others can benefit from the response 😎

  • @cheta1677
    @cheta1677 21 годину тому

    Baby girl, you will make a good 'interior designer' as a profession; think about it. I can see your passion for it. Excellent job you've done here 🤝 Congratulations you two.

  • @DamolaAndDolapo
    @DamolaAndDolapo День тому

    Pls when is the best time to pay back your credit in order to get maximal effect on credit score? At a fixed date every month? Or Few days after the monthly statement is generated? I've done both, and don't seem to understand their effects. Thanks

  • @nomakhaya
    @nomakhaya День тому

    Not yet actively in the buyung market but have learnt a lot from this video...Facing of the garden and waiting till we buy deco...thank you for sharing...

    • @flowers1-2-1
      @flowers1-2-1 4 години тому

      It seriously makes a difference which direction your garden is facing! It really does👍🏾 I would never buy a property with a North facing garden🇬🇧🇯🇲

  • @n-silverose6244
    @n-silverose6244 День тому

    Waoohh beautiful DIY 😅😅😅indeed

  • @aborarinwahelen
    @aborarinwahelen День тому

    Investing

  • @beautyejiowatom-david180
    @beautyejiowatom-david180 День тому

    Lovely breakdown and helpful

  • @busayoadeyemo455
    @busayoadeyemo455 День тому

    Still the the first and the best UK blogger for a reason.🎉take your flowers 🌺🌹. Abeg do the north facing and north facing thing as a whole

  • @AdesolaAdeniji-k2w
    @AdesolaAdeniji-k2w 2 дні тому

    Investing

  • @enivinas
    @enivinas 2 дні тому

    Please do a video for first time investors.

  • @ebukafrancis806
    @ebukafrancis806 2 дні тому

    Please which camera do you use ?

  • @213Motors
    @213Motors 2 дні тому

    DIY is the best thing. Go to a charity shop to buy furniture. Settling in crazy

  • @Moi-yg2zg
    @Moi-yg2zg 2 дні тому

    Thanks for sharing and not hiding good knowledge. God bless

  • @ademolaadelekan8400
    @ademolaadelekan8400 2 дні тому

    I like your videos. Well done, Chidera.

  • @anitamawuelormattipoe8811
    @anitamawuelormattipoe8811 2 дні тому

    Chidera with Printify can deliveries be made in Africa especially Ghana?

  • @Mr_Ali_G
    @Mr_Ali_G 2 дні тому

    Just got a keys 🔑 from my house on 10th Jan. I'm still renting until April because of the renovation. What i have to say, ITS MAD! The cost of labour and materials is unbelievable!!! My hole second floor will cost me 30k 😢

  • @rachealifeanyichukwu5626
    @rachealifeanyichukwu5626 2 дні тому

    I thank God say my hubby is Jack of all trade😂😂😂😂😂.He can do all things at home😅

  • @Joseph_Temitope
    @Joseph_Temitope 2 дні тому

    Hi Chidera, your videos has always been a blessing. I just wanted to know, what if I decided to leave the 4k for three years, does it mean 3k will be added for the three consecutive years. Or I will have up 12k for the 3k to added by the government? Please help.

  • @thembanitshabangu2919
    @thembanitshabangu2919 2 дні тому

    So much valuable information in this video. Thank you.

  • @ifeomahelen3092
    @ifeomahelen3092 2 дні тому

    Good job 👏 👍🏽

  • @joso2457
    @joso2457 2 дні тому

    I always buy furniture from the store, go many times to try it out before buying. Still have the chairs we bought 5 years ago and people keep asking where we bought it. Still look good as new.

    • @eronduvictor1850
      @eronduvictor1850 День тому

      I have an issue with UK chairs sha. They are too low for my liking. Please do you know if it's a British thing to build low-level sofas. Did you get something higher off the ground ?

  • @ifeomahelen3092
    @ifeomahelen3092 2 дні тому

    Chidera, good video. Which platform do you use for your investment?

  • @MargaretOkoi-s7o
    @MargaretOkoi-s7o 2 дні тому

    Your home id blessed..what psrt of England abeg..the house too fine

  • @ijeomajuliet1187
    @ijeomajuliet1187 2 дні тому

    Tried putting my details, but the postcode part is saying check if the post code is entered correctly qnd i have done that over and but not working

  • @woleakinterinwa7971
    @woleakinterinwa7971 2 дні тому

    Nice advice … thanks … we also made mistakes of buying stuff before moving into our house … pls how did u get rid of your unwanted stuff ?? Any particular website that u used ??? Thanks

  • @sammyg805
    @sammyg805 2 дні тому

    Oh I see!!! I thought you bought it all done already, you are refurbishing and building as u go along? How much was the property and features. I.e garden , how many garages, is it unsuitable rooms, how many rooms, and is it detached , semi or terrace please 🙏

  • @victorianwokeiwu
    @victorianwokeiwu 2 дні тому

    Investing...

  • @fabricekamole8150
    @fabricekamole8150 2 дні тому

    Great content! Sometimes paying a lower deposit, so you can buy 2x properties for example can work wonders. Especially if the rent fromt he second one covers the cost of your residential mortgage. As a bonus you also have capital appreciation.

  • @kemiomidiji6169
    @kemiomidiji6169 2 дні тому

    I just finished studies, frantically looking for placement. Listening to your story gave me hope. I am impressed at your growth and transformation. I started listening to you recently and I decided to go to old videos to get to know you better. Your story is inspiring.

  • @MargaretOkoi-s7o
    @MargaretOkoi-s7o 2 дні тому

    If i open tbe acct and dnt want to start funding thd acct immediately and want to start funding like next 2yrs will it be ok?will the account be active still?

  • @MargaretOkoi-s7o
    @MargaretOkoi-s7o 2 дні тому

    Will it be tagged as public funds ..am currently on psw

  • @MargaretOkoi-s7o
    @MargaretOkoi-s7o 2 дні тому

    Is the life time isa better thanm stock isa ,pls which is better to go for ?

  • @mirakarchitect7945
    @mirakarchitect7945 2 дні тому

    Very enlightening. Thanks for sharing Chidera.

  • @Immaella229
    @Immaella229 2 дні тому

    I commend you for coming down to our level in all your videos 🙌you teach like we are primary schl children 🙌🙌🙌🙌🙌🙌

  • @gbemisolaamodu2386
    @gbemisolaamodu2386 3 дні тому

    Good job

  • @FAMIEH
    @FAMIEH 3 дні тому

    Please, what mattress do you have. I've moved into my place and im struggling to find a good mattress.

  • @AfricafolktalesbyNad
    @AfricafolktalesbyNad 3 дні тому

    What if I put the £4k next month will they still give me £1k bonus from government I’m looking to buy house next year

  • @ebukafrancis806
    @ebukafrancis806 3 дні тому

    Great video please watch camera do you use

  • @eseleomoijade9505
    @eseleomoijade9505 3 дні тому

    How about buying to let properties

  • @denniskirui3722
    @denniskirui3722 3 дні тому

    Investing! Good insights

  • @ibphysicsclassroom
    @ibphysicsclassroom 3 дні тому

    You think it’s Nigeria where you negotiate with your blood with these craftsmen.