We don't ever go out of our way to be pessimistic on this blog, in fact we tend to be quite the opposite, having a firm belief that optimism is the only valid way when it comes to investing. However, when it comes to borrowing, which as we all know is essentially the reverse of investing, it pays, quite literally, to be even a little pessimistic!If you are new to our website then you are truly welcome, thank you so much for giving us a chance to help create a positive financial future for you. We are on a mission to become THE place where people of Ireland turn to for practical and truthful information and ideas in regards their Financial Planning, Investing & Personal Finance. Thank you for playing a part in this mission. Be delighted if you joined our growing community here.Buying a home, whether it is your first, second, third, fourth (well maybe the novelty wears off around now!) or whatever, is an exciting time. For many purchasing a home is a way out of a tough situation or indeed an opportunity to put down roots that they feel desperate to put down. We have no intention of talking anyone out of doing what they need to do, but invite you now to consider some aspects prior to committing..........Thanks for tuning-in,Paddy DelaneyQFA | RPA | APA | Qualified Coach