Subdividing Your Backyard -Why Do It and What to Think About

Tackling a subdivision project can be complicated but may be worth it in the long run. From checking on zoning to scheduling a professional contour survey, there can be a lot to do. Keep reading to find out the details.


What Is It?

You’re interested in dividing your property, but what exactly does that mean? The basic project involves legally splitting a parcel off of your land to be sold as a separate lot. Once sold, it’s no longer your property and remains as a separate legal plot from then on.


Why Divide?

The most obvious reason that you might want to divide up your property is for some profit. When real estate demand is high, your land can be worth quite a bit and this is one way to cash in on that without having to actually sell your home and move.


How much you can make is too varied to give an estimate here, as it will depend on the local market and the costs you have to incur during the process. But it’s quite easy to have a situation that nets you a few thousand dollars in the end.


What to Think About?

The main question you need to ask yourself is how you will enjoy your property once you’ve divided a section off. If you intend on selling the remaining portion and moving anyway, it probably won’t matter but if you intend on continuing to live there, you should think about your enjoyment of the space. A house can (and likely will) be built on the property, meaning you can suddenly have neighbors much closer than you’re used to.


The second big issue that comes with subdividing your property is the amount of work and cost involved. There is far more to the project than drawing a new line on your land surveys and signing a couple of papers at the council office. While your first step does need to be the council office to find out about boundaries, zoning and other regulations involved, there can be a lot more to do than just paperwork.


A standard parcel needs to have a driveway, or at least a space where a driveway can be installed with access from the main road. That may or may not include a drainage culvert. Utilities may also have to be in place, or at least have the wires or pipes run to the property so the new owner can continue the process. The specifics will vary by area, and by local zoning issues. This is something you have to talk to your municipal officials about. You will also want to consider selling with or without a realtor.


Not only can it involve months of work and organizing on your part, you have to foot the bill for it all. Hopefully you will get your money back when you sell. Can you afford to cover these costs while you wait for that sale? Can you afford to lose any money if the sale of your new parcel doesn’t go as planned? These are the important questions you need to consider.

Starting a Family: Tips for Taking a Close Look at Your Future Finances

With the cost of raising a baby at its highest point ever in the UK alone, it’s clear to see why many couples are choosing to start a family later in life. When combined with other outgoings like rent and bills, not to mention the ongoing stress being a parent can cause, having a child can seem almost impossible.

But, finances don’t have to restrict you from starting a family or cause added stress as long as you’re organized and prepared. Everyone should have the right to start a family, and money shouldn’t stand in your way. Below you’ll find some top tips for taking back control over your finances so you’ll be in a position to start a family of your own.

Begin budgeting early

A 9-month pregnancy seems like a very long time for most expectant parents, resulting in many leaving financial preparation until right at the end of pregnancy. Then, once your baby is born, if you haven’t budgeted and prepared properly you could find yourself unable to buy everything your new-born needs and spiralling into a cycle of debt.

It’s never too soon to begin saving, so as soon as you find out you’re pregnant there’s nothing to say you shouldn’t start saving right away. Put money aside each month to build up a baby fund and cut out mindless spending.

If you’re already struggling with debt, or are worried about your partner’s finances if unmarried, it’s essential to get this straightened out before the baby is born. Consolidating your own debt or even getting advice to consolidate your partner’s debts is an ideal place to start.


Life insurance

Anything can happen at any moment, and it would be catastrophic if something happened to you without having left a financial cushion for your baby. Therefore, buying life insurance as soon as you find out you’re expecting a baby is vital for your peace of mind.

If you’re relatively healthy and have a good record, life insurance isn’t likely to cost a huge amount per month and will be an affordable yet essential preparation to make.


Day care 

If you know you’re going to go back to work once your baby is born, preparing for day care is crucial. In a similar sense to saving and budgeting, many new parents leave organizing day care right until the last minute and may find themselves with no one to take care of their child when the time comes to go back to work.

Day care waitlists can be extremely competitive, so getting your name down as soon as you get pregnant is the best chance you have of getting the specific care service you want.

Starting a family is a hugely exciting milestone for the majority of couples. But, if you don’t take care of your finances for when the time comes, it can be hugely stressful. So getting organized as early as possible is the best thing you can do for your baby before they’re even born!


Olivia Bailey writes about personal finances in her articles which appear at a variety of online homes! When not typing away on the laptop she’s busy raising her kids.

Image courtesy of fantasista at

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