Buying your first property is one of the major milestones in life. In theory, it sounds pretty simple, you like a house and you buy it. There’s basically nothing wrong with that, but in reality, things might turn out to be a bit more complicated, and buyers can make some costly mistakes along the way. It is important to be well prepared and know exactly what you want and decide
It doesn’t take much to accumulate a lot of debt. A short period of struggling due to the loss of a job or overtime, health problems, or a new baby is all it takes to deplete your extra money. And, once you get beyond your comfort zone with your monthly expenses, it can become challenging to make your payments on time. The good news is that creating a budget will
Buying a new home can be daunting for many people. It is such a big investment that it can cause a lot of stress for those who are planning to move. The process of finding a suitable home can be a real challenge, but knowing what to look for can make the process much easier. It is important to dedicate some time and effort into doing your research, as the
A home represents the largest investment most people will make in their lifetimes. As such, buying a house is not something that should be approached lightly. No matter how excited you are to make the jump from renter to homeowner, there are a number of things that must be taken into account before you start signing paperwork. To ensure that you make an informed, well-reasoned decision when the time comes
There are two types of people who use credit cards. People who possess consistent financial discipline and use the powers of their credit card(s) to their advantage. The other pool of people are those who use the credit card as infinite no obligation money, until they receive a bill through the post and hefty interest charges attached as a result of their lackadaisical spending. Credit cards could be your best
The majority of us have debt of some sort or another. Whether this is due to taking out a student loan to fund our education, taking out a mortgage, taking out a finance plan to secure ourselves a new or trustworthy vehicle, or taking out loans and using credit cards. Having debt can be a normal part of your life and doesn’t necessarily have to be a source of stress,
When funds are tight, often the first things to go are luxuries, such as vacations. The fact is that it’s not easy making ends meet sometimes, and when you’re in that position you realize that you have to cut out those unnecessary luxuries, and sadly, travel is often the first thing to go. Of course, there are ways around having to cut travel out of your life when you’re on
When it comes to investments, there are some that are wise, and there are some that are not so wise. Not everyone will be able to tell the difference, it takes years of practice to know when something is probably going to play out in your favour, and even then, it is a game of chance. When it comes to stocks and shares. There are some fantastic automated robots that
If you’re planning to spend some time overseas, especially if it’s a longer trip, like a gap year, then you’ll need to do a lot of planning. You don’t just plan your itinerary, though, you need to plan out your finances so that you don’t get into any bother or get caught short while you’re away. Here’s how you can have some happy travels. Create your travel budget Apart from
While we generally prefer to keep things positive and lighthearted, it is important that we acknowledge that life doesn’t always pan out exactly as we want it to. Sometimes it can take twists and turns that we didn’t anticipate, and we can be left feeling worse for wear. Now, you can’t really control when you will be negatively affected in your life, and sometimes there’s nothing that you can do