Tag Archives: manage your money

Get Better At Saving And Save Yourself Hassle!

Get Better At Saving And Save Yourself Hassle!

After Christmas, we can find that our bank accounts have diminished and now we are into the new year, we are probably slowing picking up again but you may never know when you might need some extra cash. It may be something as simple as needing a new part for your fridge that has stopped working or perhaps you need some Towbars to assist with your car. So here are some tips to ensure that you stay on top of your finances this year and learn to get saving: 

1. Budget For Next Christmas

Start saving for even now for this coming Chrismtas. It sounds very dramatic and not necessary so early on in the year, but this will certainly be of huge benefit. This will help save money in the long run and you can do this by collect money in a little pot/fund, and let it accumulate over the months, which gives you a little bit to play around with. Look at what your bank offer in relation to offers and savings accounts which round off each penny to the nearest pound collecting it in a separate account. Over time, you could find yourself with a small amount to splash out on gifts for the people you love.

Photo: Pixabay

2. Go Sale Hunting

Don’t buy anything full price and go to look at all the sales, thrift stores and more because this will ensure that you don’t overspend. Be wise with the sales, and look for things you only really truly need, and this will ensure that you don’t keep tapping into funds just after the busy period. Most things can be bought on a budget and this is the best way to help save those extra pennies for when you may need them the most. Many thrift stores will also have sales too, as they will want to get rid of old stock and bring in new ones. 

3. Leave It To The Professionals

Don’t let the worries of needing money get you down. It can be difficult to just forget that you have spent far too much and that you need to top your funds back up. Perhaps you have overspent on your credit card and you need to start paying back asap. Consider borrowing money and don’t fear your finances anymore. Borrowing money could seem scary but it’s important that you shop around and get the right deal for you with no interest rate. Some payday loans are certainly not good at all so look into what could work well for you.

Saving money is tricky, not many people have disposable income at the end of the month but it doesn’t mean you can’t learn to save a little and keep some extra for the little extras that we can take pleasure in. the more you save, the better you will become at it and soon enough you may have enough to take that break away in the summer sun! So start saving today! 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.

3 Mistakes To Avoid When Building Your Own Home

3 Mistakes To Avoid When Building Your Own Home

Buying a house can be so frustrating, especially if you just can’t find a place that ticks all of your boxes. Usually,  you will have to make some sacrifices, but you have to draw a line somewhere because you don’t want to buy a house that you don’t like living in. But what can you do if you just can’t find a house that you like? One option is to build your own instead of buying one. A lot of people never even consider building a house because they think that it’s too much work or it’s too expensive, but that isn’t the case. It is a big project to take on but as long as you plan properly, it is manageable and it can actually be cheaper than buying an existing home. You can also create your ideal home, so you don’t have to make any sacrifices. However, there are a lot of things that can go wrong along the way and if you don’t plan and execute the build in the right way, you won’t end up with your dream home and you may end up spending way more than you can afford. If you are considering building your own house, make sure that you avoid these common mistakes. 

Pixabay CCO License

Rushing Into It 

Building your own home has its benefits, but it’s a big task to take on and it puts a lot of stress on you, both mentally and financially. It usually takes a year or two to build a house and you are essentially taking on an extra job as project manager during that period. You will have to deal with any potential issues that arise, and you need to manage your money well so you don’t run out before the build is finished. It’s a lot to handle and some people just aren’t ready for it. That’s why it’s important that you really think about the reality of it and don’t just rush into it. If you do, you’ll find that you’re out of your depth. If you consider these questions, you should be able to make an informed decision about whether you want to build your own home or not. 

Buying The Wrong Land 

The first thing that you need to do before you build is buy the land, and a lot of people make mistakes here. Firstly, it’s important that you go through a reputable company like Wyndham Ridge so you can be sure that they are honest about the state of the land. You should also have surveys carried out before you agree to buy, so you can make sure that the land is actually suitable for building on. If you are not careful, you will end up with a useless piece of land that you can’t build your home on.

Acting As General Contractor 

You can consider yourself project manager when building your home, which means that you make decisions about the build. But never try to act as general contractor and direct the actual building work itself, unless of course, you are actually a contractor. So many people make this mistake and they run into all sorts of problems because they simply don’t have the expertise. Make sure that you hire a good general contractor so you can focus on the big picture design stuff and they can handle the actual building work. 

As long as you avoid these common mistakes, your house build should go off without a hitch. 

Tia, and TipsfromTia.com  is trying to keep you looking good and
feeling good, from the inside out. If you’ve got a problem or a tip email me! Be sure to Like and share on Facebook or Follow on Twitter or Instagram.