At Perception Finance, we regularly share budgeting advice and tips for helping to live a budget lifestyle, in order to help our clients steadily build-up a deposit for their mortgage. From shopping around in order to find the best deals on your energy bills, to buying second-hand clothes in charity shops: there are many great ways to embrace a budget lifestyle, in order to help you comfortably save for a deposit for your mortgage. One of the best ways to help build a deposit for your mortgage is to cut back on your monthly food budget; eating veggie is one…
Author: Jennie
Jennie
Hi! I'm Jennie, owner and editor of Disease Called Debt. This site is a helpful resource for you if you’re trying to get out of debt, save money or you just want to manage your money more effectively.
Buying a new home is, without a doubt, one of the most exciting and scary things about adulthood. Before you jump off the diving board and into the deep end, there are a few things you need to consider. These ten crucial questions will help you decide if you’re ready to take the home ownership plunge. 1. How are you paying for it? You cannot go sailing without a boat. And in the same way, you cannot buy a house without the money. A source of capital is the number one most crucial question to ask yourself. Most people will…
Without the benefit of a crystal ball, nobody knows what’s around the corner. That great job with a healthy salary could end next year. You might be diagnosed with a critical illness and be unable to work. Your expensive car could be stolen, or out of the blue you discover you’re expecting twins. The point I am making here is that unexpected events play havoc with our personal finances. Sure, a credit card can keep you going for a couple of months or so, but without a decent pot of savings to cushion you, things will go badly wrong, fast.…
If you have negative items on your credit report, you should consider disputing them. This doesn’t mean to simply dispute everything. If it is your debt and it is reported correctly, then you must pay it off, but check your credit report carefully and if you find a single thing that is wrong with the record, such as the amount being off even as little as a dollar, we recommend that you dispute it. Here are four good reasons why. It might get removed: Probably the most important reason for disputing something negative on your credit report is the chance…