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Money Saving Tips

Money Saving Tips

How To Save Ten Thousand Dollars For A Home Down Payment In One Year

What’s the most difficult part of buying a house? If you ask most people, probably the deposit. The deposit is the big chunk of cash that you have to save up to convince the bank that you’re really serious about buying a house and that you’re willing to risk your own money in the process.

The good news is that the housing market has rebounded sharply in the last few years, thanks to the improving job situation as well as the growth in the global economy. But for people wanting to buy a house, this has meant rising deposits. Currently, the average home price is standing at around $200,000, perhaps a touch over. With most mortgage brokers asking for a 5 percent deposit, that means that families have to pay out around $10,000 to secure their new house and a mortgage. For many families, that’s a lot of money to have to save up, especially those on modest incomes.

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Travel & Entertainment

Top Ten Travel Tips

You can love travel, you can hate travel, but you can’t completely avoid it. To attend family functions, to meet up with a distant relative or just to explore a new place; they all involve travel. Depending upon your budget and the purpose of your travels, you can choose national destinations as well as international destinations. It is totally your call.

For some people, traveling is fun; for some, it’s an escape from their monotonous daily routine; for others, it is pure love. They can spend their life travelling. It sets them free, it gets them working and it gives them the adrenaline rush. Their thirst for travel isn’t quenched that easily. They don’t mind splurging on their travel plans; they make plans on the go. Impromptu plans are the best plans for them. They are always ready to tick a location off their bucket list.

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Money Saving Tips

Money Saving Tips For Home Buyers

You already know this, but buying a home is indeed one of the biggest financial commitment most of us will ever make. With rents on the rise faster than our incomes, many are looking to enter the buyer’s market.  Regardless of where you are looking to buy, the tips below will help you achieve your home ownership goals.

Start by securing your mortgage first. Finding a dream home before you secure pre-approval for a mortgage can be a costly mistake. Seek and choose a lender at least three months before starting your house hunting. This will give you enough time to pay down debt as well as improve your credit score, which qualifies you for a better loan.

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Health & Beauty

How To Make An At Home First Aid Kit For A Fraction Of The Cost

Are you currently enrolled in the online family nurse practitioner degree program through the University of Cincinnati? If so, why not use your medical knowledge as a money saving tip. We all know how important it is to have a first aid kit handy in your home, but purchasing those ready-made kits is far from cheap. Instead you can make your own first-aid kit at home with all the essentials for a fraction of the cost.

It’s worth noting that the American Red Cross Association recommends that you have a first aid kit in your home and car, so you may want to make one for your vehicle as well. So what should be included in a basic first aid kit for your home? Here’s a handy list of items that you’ll want to pick up.

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Money Saving Tips

How To Reduce Your Spending in 2017

Many of us struggle when it comes to the end of the month. The beginning of a new year is always a good time to assess what’s going on with your finances, and identify ways you could make savings in the months to come. If you search online for saving tips, you’ll find hundreds of suggestions, but how many are actually relevant or effective? Here are some measures you can try that will actually help you reduce spending in 2017.

Shop around for the best energy deals

Have you been with the same energy provider for years? If so, you could be missing out on incentives for new clients and low electricity rates. You may think that you’re getting the best prices in reward for your loyalty to a company. But often, it doesn’t work like that, and the best offers are reserved for new customers. If you’re shopping around, you’ll find that providers compete for your custom, giving you access to preferential tariffs and introductory deals. It takes a few minutes to compare prices online. It’s also worth giving your current provider a call and mentioning that you’re thinking of moving to another firm.

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