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Buying A New House? You Should Look At Your Finances Early

In this day and age, saving and paying attention to our pockets is something that is highly important.  We can save money from cutting down costs, cutting ties to some of our subscriptions or even just working overtime to improve our savings. However, it doesn’t always have to be so tricky. Buying a house in these trying times is certainly difficult, but it also does create a few difficulties relating to the housing market and putting down offers on property. With an experienced Mortgage Broker, however, you can be sure that you have all the information on the table before you start and you can start to create that dream life you always wanted. However, it’s important to note that there are some simple ways to create financial security without them being too troubling. 

Buying A New House? You Should Look At Your Finances Early - house keyring image
Photo by Tierra Mallorca on Unsplash

1. Use applications to assist you with your finances.

Now there are many applications to facilitate the organization of your wallet. In fact, some of them even have tips for finding new job opportunities. These apps may also allow you to budget, input in your incomings and outgoings as data for any one time and work out how best to spend, taking into account all your bills. Your banking app may also have ways to assist you as well as offering saving accounts which allow you to save as you are on the go.

2. Plan your meals incredibly well. 

A small, maybe old-fashioned meal planning can help you save a considerable amount of money on supermarket expenses per month. It can also save you a lot of time preparing your meals.

3. Stick to calendar scheduling.  

Reviewing your accounts is not only one of the best ways to save money, but also a critical project for your financial well-being. It can help you keep track of your expenses and make sure you are well on your way to achieving your goals. In addition to this, keeping track of dates with your finances can help you identify potential problems early on, before some issues become more difficult and time consuming to resolve.

4. Sell things that you don’t need online 

You can save time and money by selling your old items, which you do not need in applications such as eBay for profit. You can use Etsy, Amazon and plenty of other online websites that allow you to sell all types of products. These amounts of money can soon add up to your savings. 

5. Use credit cards wisely to assist you

As bold as it sounds, it is actually a great help to a conscious consumer. Using a credit card helps a lot in saving time and organizing the purchases at the same time. At the same time, keeping most of your expenses in one account can help you streamline your budget monitoring and billing process. You should also be aware of not overspending and allowing yourself the time to repay as repayment fees can be costly. Overall though a good credit rating is going to massively assist you with buying your new dream home. 

Every Day Tools We Can Save Money On

There are everyday tools, and items that we use regularly, some that we use every day, and sometimes not so often, And these range from big essential items such as cars, to the little tools and appliances such as pens and screwdrivers, we will eye on these items to get through our day-to-day life and to make things easier for us. We can all agree that we appreciate our creature comforts and that we more often than not use tools to get things done quicker. Ultimately tools are there to help us in our day-to-day lives, so should be high-quality, and useful. However, it isn’t always quite as simple as that, some of us have financial problems that mean we aren’t able to gather everything we need quickly. So here are some ways in which you can save money on your tools, and still have everything you need to make life easier.

Every Day Tools We Can Save Money On - cool photo of garage and DIY tools
Photo by Cesar Carlevarino Aragon on Unsplash

Kitchen

When we think of tools, we don’t tend to think of the ones that we use in the kitchen, but these are the tools that we used most often in our lives. And even though we wish to have the best pots and pans, it isn’t always that easy. We can find plenty of low-cost items on sale in supermarkets, and at the right time of year, there will be offers on basics such as utensils and glasses. Of course, you always have the option to shop online as well, and there are regular reductions to look out for there as well. So as long as you don’t have a specific brand or shape of the tool, then you may find you can save money quite significantly with this one.

Car

Cars are usually essential tools, they get us to and from work, they help us with our leisure activities, and at the weekend we find ourselves using our cars to ferry the children back in for events, visit the beach, or visit our families. So they tend to be quite a significant part of our lives. So even though we may not realise it, there are usually a substantial amount of days where we spend time in our cars. So looking after them, it’s quite remarkable, but saving money when purchasing or owning a vehicle can seem impossible. Sometimes a car is a luxury that some can’t afford, but if you can, then shop around for your insurance, make sure you get the best deal when purchasing the car in the first place, such as the ones from Stephen James, and keep your vehicle serviced and well looked after. You should find that repair costs will be lower than if you don’t take care of the vehicle. It’s also worth looking at which vehicles cost more to repair than others, before purchasing it. Even though the car may look nice, and low cost to start with, you could end up with high repair bills if the car needs specialist parts.

Diy

Tools that we require for putting up curtain poles, or changing a fuse in the plug, can be low-cost if you are sensible. You can even find screwdrivers in discount stores, or a tape measure in the supermarket bargain bin. So if you are careful, as with anything else, you will find a toolbox full, for little money. This way you can spend more on your actual Diy needs, and make do with what you have. Obviously, if you have a special requirement, then paying more for this makes sense, but otherwise, choose carefully, and you will save money.

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How To Celebrate Your Birthday For Free!

Think back to your last birthday: What did you do? Did you throw a party? Go out to dinner with friends? Treat yourself to a mini shopping spree or buy that big-ticket item you’d been eyeing? Now think: How much money did you spend?

Your birthday is a day to feel pampered and special—but it can also be a day that gets expensive, fast. If you’re looking for a way to celebrate big without spending bit, look no further than birthday freebies.

From restaurants and retailers to movie theaters and arcades, there’s no shortage of ways to have fun and save money on your birthday. In fact, so many places offer free birthday stuff that you can celebrate all day—from a special breakfast in the morning to birthday cake at night—without spending a dime.

To help get you started, Wikibuy created an infographic showing you all the ways to have a free birthday. Check out the full visual below, and get to celebrating.

Free birthday stuff

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