Circumstances change and sometimes it makes sense to convert your mortgage. Converting a residential mortgage to a buy-to-let mortgage is certainly legal and could be financially beneficial. Here are five common problems revealed during this conversion.
We all know that credit is essential. However, some people struggle under the chains of too much debt — accrued from continuous borrowing with a simultaneous loss of income. An ideal solution is to understand your budget and repair your credit affairs so as to save yourself the trauma of declaring bankruptcy.
Buying a home is one of the most significant financial events undertaken in your lifetime. And since you probably only go through the process a few times, it can be an intimidating prospect. First time buyers experience unique challenges, facing mortgage considerations and other important details without personal experience to guide them. Fortunately, however, there are resources and programs available to help take the mystery out of real estate transactions and give house shoppers the tools they need to navigate the market.
Easter is celebrated across the world with ceremonial elegance and splendor. There is centuries old tradition of gifting unique presents to you loved one on Easters day. With Easter celebrations nearing, you would wonder how to buy a unique gift for your loved ones without burning hole in a pocket. If you are looking to save money on Easter gifts, visit www.voucherbin.co.uk which has hundreds of stores offering discount coupons on Easter gifts.
Water is cheap, but it doesn’t mean that it shouldn’t be wasted. By using some of these easy water saving tips you can help the environment, and save yourself a few pennies too – you’ll be surprised at how much it adds up. This infographic from Guarantor my Loan guides you through the home to show you how to save when you shower, wash up, water the plants and wash the dishes.
Every bride wants to have a beautiful, fairytale wedding. But, with weddings being extremely expensive, having the day of your dreams can seem impossible.
You may not realize it, but there are plenty of ways you can save money on your wedding without compromising on the big day. By making some small changes to your wedding plans, you can save yourself money while still having the celebration of your dreams.
To help you have the wedding of your dreams without overspending, we have created a guide to five wedding hacks that will save you money. To find out more, have a read of this:
Start planning early
Start planning your wedding as early as possible. The earlier you start planning the better chance you have of keeping the costs low. By giving yourself adequate time to go through all the options, you will have time to compare prices and find all the best wedding bargains.
Did you know that by planning your wedding early, you can get some great deals on venues, caterers, and entertainment? Plus, by planning early you can get the best pick of everything.
While planning your wedding early will allow you to get some great deals, it is important to be flexible with certain aspects of the wedding. For example, being flexible with the date or location of the wedding will allow you to take advantage of some fantastic deals.
Choose the venue carefully
Choosing the right venue can save you a lot of money. So, it is important to pick your reception venue carefully and think it through.
Opting for an outdoor venue or a venue that has a lot of built-in character, will save you a lot of money on decorations. While choosing a hotel or restaurant for your reception that includes tables, chairs and tables linens can save you a lot of money.
Some wedding venues also offer packages that include wedding vendors, wedding planners and everything else you will need for your big day. These are all important things to consider when choosing a venue for your wedding.
Keep your guestlist short
As almost every wedding price is calculated on a price per person basis, the easiest way to keep wedding costs low is to keep the guest list short.
Of course, there are some people who you want to share your special day with, namely your close friends and family. But, there are other people who you may only invite due to obligation. Don’t invite people just to be polite, only invite those people who you really care about.
Choose the date of your wedding carefully
During peak wedding season, April to September, wedding prices are much higher than in the winter months. As are the costs of everything else, from wedding dresses to wedding invites, the costs are much higher during peak season. So, if you are happy to have a spring / winter wedding you can save yourself a lot of money.
It is also a good idea to avoid getting married on a Saturday, as Saturdays are the most popular day for weddings and so, are most expensive. Holding your wedding on a Friday or Sunday can save your a lot of money, so it is worth considering.
Shop the sales
Don’t fall into the trap of thinking that you wedding dress has to be a designer original – you can save yourself a lot of money by looking for your dress in the sales.
During sale times, wedding dresses can be priced as low as 50 percent less than full price – that is a lot of money. Don’t turn your nose up at the sales, sometimes there are some amazing deals.
Saving money is not easy – sometimes it really needs a lot of research, and changing our habits into less expensive ones to have a long term effect. But, as the old saying goes, each penny not spent is an extra penny in our pockets, so saving is worth it in the long run. Here is a fresh collection of tips that might help you spend less.