Some of you may be considering what kind of New Year’s resolutions you could make as 2025 draws near. If these forecasts come true, then there’s no need to worry.
Yes, as 2024 draws to a close, the ghosts of the past become more audible as two of history’s most mysterious people, Baba Vanga and Nostradamus, make terrifying prophecies that never cease to both enthrall and horrify.
The prophetic abilities ascribed to these fabled seers have been a subject of discussion for many years, regardless of one’s stance.
Despite having died away in 1996, Baba Vanga, the blind Bulgarian mystic born Vangeliya Pandeva Gushterova, is credited with an amazing 85% accuracy rate in her predictions.
According to The Economic Times, they have reportedly included Barack Obama’s presidency, the 9/11 attacks, and Princess Diana’s passing.
With predictions spanning the next three millennia (scroll to the bottom of the page for that delightful reading), her prophetic talent has left a lasting effect and cemented her place as a formidable force in the field of prophetic mystery.
Furthermore, the 16th-century French astrologer Nostradamus recorded his visions in the enigmatic quatrains of his book Les Prophéties, published in 1555.
His predictions are credited with predicting significant occurrences as the ascent to power of Adolf Hitler, the murder of President Kennedy, and the September 11 terrorist attacks, solidifying his status as a visionary whose writings are constantly examined for hints about what lies ahead.
Unsettling Forecasts for 2025
2025 has been identified by both seers as a critical year with serious ramifications for the international scene:
Nostradamus predicts the rise of a dark cult and the establishment of an underwater dominion.
In the meantime, Baba Vanga adds a futuristic perspective to our comprehension of human potential when he anticipates the development of telepathy.
But the projections also have a darker tone when it comes to war predictions.
Both foresee a catastrophic war in Europe; Nostradamus refers to it as involving “cruel wars,” but he also cryptically states that “the ancient plague will be worse than enemies.”
Furthermore, Baba Vanga forebodingly says that this fight will “devastate” populations, which bodes ill for the near future and makes me wonder if I should really bother purchasing my yearly calendar featuring Neil Diamond.
And if that’s not enough to keep you up at night, Nostradamus also predicts the arrival of an asteroid on Earth, saying that “a fireball will rise from the cosmos, The world begs you to be a forerunner of fate. The fate of the Earth, a second chance: science and fate in a cosmic dance.
A Hint of Hope and Intriguing Extraterrestrials
There are glimmers of hope despite the ominous predictions.
According to Sky History, Nostradamus alludes to a potential end to the continuing conflict between Russia and Ukraine, speculating that interventions by countries such as France or Turkey might usher in peace and that both sides will eventually run out of energy.
Strangely enough, both seers hint at the prospect of extraterrestrial encounters; Baba Vanga, for example, speculates that aliens might show up at a big athletic event.
However, as I have already stated, Baba Vanga left us forecasts that would last for 3,056 years when he passed away. Needless to say, things don’t seem to work out well with the aliens.
Baba Vanga was a person who?
According to the Mirror, Baba Vanga, known as the “Nostradamus of the Balkans,” is said to have had an accuracy rate of 85%. Her forecasts have been known to come true even after her death.
At the age of twelve, she was supposedly blinded by a storm, during which her mystic talents apparently materialized.
However, what prophecy of the mystic has apparently come true in the past?
The terrorist strikes of 9/11
She made the menacing prognosis in 1989: “Oh, horror! The steel birds will attack and then the American brothers will fall. The terrifying allusion to “steel birds” may refer to the aircraft that Al-Qaeda hijacked and used in the horrific 9/11 attacks in 2001.
The Kursk’s sinking.
In 1980, Baba had a terrible vision of Kursk, Russia, being “covered with water, and the whole world will weep over it.” Her prediction was confirmed when a nuclear submarine sank close to Kursk in August 2000, killing 188 crew members.
Given the realization of those terrifying prophecies, it becomes plausible that you might want to worry about the following 3,000+ years. Here’s how she see the next three millennia developing, from the New York Post:
2025: The population of Europe will be destroyed by a conflict.
2028: Research on Venus as a potential energy source will start by humans.
2033: Sea levels will rise dramatically on a global scale due to the melting of the polar ice caps.
2076: Communism will take hold in numerous nations worldwide.
2130: Aliens will make contact with humans.
2170: Much of the globe will be destroyed by drought.
3005: A Martian civilization and Earth will engage in combat.
3797: The Earth is no longer habitable, and humans will have to leave.
5079: The end of the world.
How to Own Your Dream Home
For most people, their first home isn’t their dream home. It starts off nice enough. But as time goes by and your family grows, starter homes tend to get a little . . . cramped.
But don’t hate on your current home too much. Because while it gave you a safe and dry place to lay your head at night, it was also setting you up to own your dream home someday.
We’ll show you how it all works and walk you through the steps that’ll get you in your dream home—one you can actually afford!
How to Get Your Dream Home in 5 Steps
Here are the steps:
- Follow the Financial Basics
- Find Out How Much Equity You Have
- Set Your New Home-Buying Budget
- Find the Right Dream Home for You
- Be Picky and Patient
Now let’s cover each step in more detail.
Step 1: Follow the Financial Basics
First thing’s first—you have to get out of debt, get on a budget, and build up an emergency fund of 3–6 months of expenses. Sounds pretty basic, right? If you haven’t completed these steps, then you’re not ready to upgrade to your dream home . . . yet.
Now, when you’ve got house fever, it can be hard to focus on paying off debt or saving an emergency fund before you upgrade your home—especially when you’re feeling the pressure of rising home prices and interest rates.
But whether it’s your second or third house, you should only buy a home when you’ve covered the financial basics we mentioned above. Then you’ll be ready to start the journey toward owning your dream house.
And that journey starts with your home equity. What’s equity? Well, we’re glad you asked . . . that brings us to the next step.
Step 2: Find Out How Much Equity You Have
Home equity is a pretty simple concept: It’s your current home’s value minus whatever you still owe on your mortgage.
See, in most cases, your home’s value increases over time. Similar to other long-term investments (like retirement accounts), homes gradually increase in value. There have been periods of ups and downs in the market to be sure, but the value of real estate has consistently gone up. According to the St. Louis Federal Reserve, the average sale price of a home has increased over 2,300% from 1965 to 2023! And in the last ten years (2013 to 2023), there’s been a 68% increase.1 As your home increases in value, so does your equity. In real estate terms, this is called appreciation.
Other factors that increase your home’s equity include:
- Added value: Home improvement projects like adding square footage, updating fixtures and appliances, or even just slapping on a new coat of paint can add value to your home.
- Mortgage paydown: Paying down your mortgage not only gets you out of debt faster, it also builds your equity. The less you owe on your home, the more equity you have.
The amount of equity you have gives you a pretty good idea of how much money you’ll end up with after selling your house. You can use that money to make a hefty down payment and cover the other costs that come with buying a home.
Find expert agents to help you buy your home.
So, how do you determine your home’s value? Well, you can get a ballpark estimate on real estate websites like Zillow, ask a trusted real estate agent to perform a competitive market analysis (which they’ll do anyway if they’re helping you sell your house), or get a professional appraisal.
Finding out your home’s equity will involve a little math, but it’s third-grade-level stuff, so don’t sweat it.
Here’s what we mean. Let’s say your home’s current value is $355,000. When you sell that house, you’ll have to pay for between 1–3% of the sale price in closing costs, another 6% in fees for the real estate agent who helped you sell it, and whatever’s left to pay off on your mortgage.
That means you can estimate clearing over $223,000 from selling your house. That’s a killer down payment on your dream home! And if your home is paid off, that’s even more money to put down and use to pay for things like repairs and moving expenses.
Step 3: Set Your Dream Home Budget
Once you know how much you’ll clear from the sale of your home, you can start making a budget for your dream home.
The key to owning your dream home (instead of it owning you) is to keep your mortgage payment to no more than 25% of your take-home pay on a 15-year fixed-rate mortgage, along with paying a down payment of at least 20% to avoid private mortgage insurance (PMI). Never get a 30-year mortgage even if the bank offers it (and they will). You’d pay a fortune in interest—money that should go toward building your wealth, not the bank’s.
So, let’s say your take-home pay is $4,800 a month. That means your monthly mortgage payment shouldn’t be any bigger than $1,200. By the way, that 25% figure should also include other home fees collected every month with the mortgage payment like homeowners association (HOA) fees, insurance premiums and property taxes.
Plug your numbers into our mortgage calculator to see how much house you can afford.
And don’t forget to budget for all those other costs that come with the home-buying process in addition to your closing fees—things like moving expenses and any upgrades or repairs you might need to make. You don’t want these hidden costs to catch you off guard or drain your emergency fund.
Step 4: Find the Right Dream Home for You
This is where things get real. After all your hard work building up your equity (and doing a lot of math—don’t forget that), you’re finally ready to start the house hunt. Woo-hoo!
But don’t lose focus. Stay zoned in by making a list of features that make a home fit your budget, lifestyle and dreams—and stick to it throughout your house hunt. Here are a few ideas to get you started.
- Don’t compromise on location and layout. If you plan to be in this home for the long haul, an out-of-the-way neighborhood or a wacky floor plan is a deal breaker. Look for a community and layout that’ll suit your lifestyle now and for years to come.
- Think about how much space your family needs. While your budget has the final say about how much home you buy, you’ll want your dream home to fit your family’s needs through different life seasons.
- Consider the school districts. If you have or want kids, the quality of the nearby school districts is probably already on your mind. But even if you don’t have kids or you’re retired, keep in mind that having good schools nearby could increase your home’s value.
- Look for a house that’ll grow in value. Are home values rising in the area? Is the number of businesses going up? These factors can help you figure out whether your dream home will turn into a good investment.
- Count the costs. Want that fancy master bathroom with the multiple showerheads and the Jacuzzi tub? Be clear on what’s a must-have and what’s nice to have. And don’t forget, upgraded features like that will make your dream home more expensive.
Step 5: Be Picky and Patient
We know you’re anxious to get into those new digs, but be patient. Wait for the right house at the right time. Don’t spend your money on a less-than-ideal home just because you’re tired of looking.
The key is finding a good real estate agent who understands your budget and refuses to settle for “good enough.” They’re as committed to your dream as you are and will have your back throughout the entire process, no matter what it takes.
In addition to teaming up with a great real estate agent, you can take a couple of extra steps to make sure you’re ready to strike as soon as the right home comes up:
- Get preapproved for a 15-year fixed-rate mortgage. Having preapproved financing is a green flag for sellers—especially in multiple offer situations. And because this puts most of your information in the lender’s system, you’ll be on the fast track to closing once your offer is accepted.
- Offer earnest money with your bid. Earnest money is a deposit to show you’re truly interested in a home. Usually it’s 1–2% of the home’s purchase price and it’s applied to your down payment or closing costs. Even if the deal falls through, you can almost always get most of it back.
Find a Real Estate Expert in Your Local Market
Now, you might be thinking you have some work to do before you’re ready to find your dream home. Or you may be realizing your years of hard work are about to pay off! Regardless, if you follow these steps, you’ll find the house you’ve always wanted and avoid a purchase you’ll regret.
Once you’re ready, connect with one of our RamseyTrusted real estate agents. These are high-performing agents who do business the Ramsey way and share your values so you can rest easy knowing the search for your dream home is in the right hands.
Find the only real estate agents in your area we trust, and start the hunt for your dream home!
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