Author: themoneyshed

Buying our own house is one of the greatest joys in life. It gives us the independence to finally spread our wings and find our own feet. However, unless you have $250,000 to hand, you’ll need to take out a mortgage. A mortgage is a loan which you take out in order to but a property. The most common term to choose for your mortgage is 25 years. When you come to take out your first mortgage, it can be a little bit daunting, but paying for your family home…

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Setting up your first family home is a milestone to be cherished. Now you can finally settle down and relax, knowing your time stringing along rental properties is likely over. Now you can work on building a home atmosphere which you and your most loved ones can enjoy together, and craft the story of your family life. However, setting up a family home is anything but cheap. To achieve this beautiful and coveted life situation, you need to make the right decisions. The right decisions often translate to better financial…

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Looking after your family, juggling work and social lives can be a hard task. It can be easy to get so wrapped up in the here-and-now instead of looking to the future. However, eventually you will need to start planning for your family’s future, and here are some questions you’ll want to ask yourself: I have assets and income, but am I living comfortably? When can I afford to retire? Have I got enough to consider giving money to my children? What effect would death or serious illness have on…

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There are many careers out there that can be extremely rewarding. You find that you feel passionate about it, enjoy what you do and love it when the alarm goes off every morning spinning you into action for another working day. But for some people, they just haven’t found that right career or job that gives them that satisfaction. Not all of us are lucky in that respect, so if you find yourself wondering what your next career move then maybe start to look at your own skills and personality…

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When you’re in your twenties, you are going to face a number of financial issues. Thankfully, most of the problems will be cleared up by the time that you hit thirty. But that’s not going to help you when you’re trying to juggle the costs of going out with the bills that need to be paid, not to mention the savings that online articles are telling you that you need to already be putting towards your retirement. When you think about things in these terms, it’s difficult not to start…

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It’s been a torrid time recently for the airline industry in the UK. From Ryanairs lack of pilots situation causing over 400,000 people and has affected over 18,000 flights to the recent collapse of Monach so I got me wondering what can you do to protect yourself when booking flights? Make sure the booking you make is protected When you are making your logo ALWAYS look out for the ABTA and ATOL logos. These will help protect both you are your money due to their Code Of Conduct which all members…

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It’s a well-established fact that students are always short on money. If stereotypes were to be believed, students are always calling their parents to beg for money, while eating noodles for every meal as it’s all they can really afford. While there is some truth to the fact that most students will struggle for funds, this doesn’t have to be the case. If you’re willing to put the effort into saving money where you can, then you can reap the financial rewards. A little research and a lot of savviness…

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Getting a divorce is never pleasant. It’s certainly not something any of us aspire to. Yet, it’s more common than ever for marriages to end in this way and in many cases, it’s for the good of the family. While getting a divorce has emotional costs, another aspect that you need to consider is the financial cost. Both in the short and long term. Here’s a look at how you can save money. Agree One of the main reasons divorce costs start to spiral is disagreement. Try to keep things…

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Anyone that drives a car and doesn’t live in a cave can’t help but notice that the world of automobiles sure is changing at the moment. It doesn’t matter if it’s electronic cars of driverless ones there’s no doubting that cars are getting more and more economic in their power but does that come at a cost? At the place that I work in my full time job we’ve recently changed all our diesel vans to electric ones which I imagine involved quite a hefty cost upfront. On top of…

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Most businesses never get the chance the become global. It’s hard to make it in such a challenging world, but if you finally do manage to go big, the world is your oyster. If your profits are booming, you’d be silly to stay in one county, or even country. Going national is a huge leap, but it’s one that’ll reap rewards. Before and after you’ve introduced your services internationally, they’ll be a few things you need to consider. Beforehand First things first, can you afford it. Yes you know your…

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As far as business choices go, it’s safe to say that starting a blog as a business is becoming a popular option. With a blog, business may run a little bit differently to a traditional store that sells products or a service, but it definitely has the potential to be an incredibly successful business. So, what’s the secret? Just like any kind of business, there isn’t really any set secret to success; you just have to work hard. But you may just find that there are certain business essentials that…

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When you want to make money, you can often find yourself consider a whole range of different option to get the job done. Some are always going to appeal to some people more than others, but if there’s one option for money making that always seems to go down well with a lot of different people, it’s property development. When you invest money in property and look at developing your way to a healthy income, you can often find success from the start. So let’s take a look at what…

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Ask any parent about their Summer holidays and they will generally have two comments. One will be about having the kids around 24/7 and how it was driving them bad towards the end of the holiday and the other will be about the cost of trying to do anything. It doesn’t matter if you are taking your family away in the UK, abroad or to the moon the cost of having a holiday during peak season has been going up year after year and unless you are willing to go…

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From the currency rates to a better value for the investment, people are flocking to overseas properties. Even the experts aren’t keeping their cards close to their chest any longer. And, they love to keep a secret. But, before you can invest, you must know a few simple rules. Here are the basics. 1: Hire A Local Agent An investor needs an estate agent by their side to guide them through the process. With their skill and experience, a realtor will make the situation a breeze. Of course, this is…

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I’ve rented a fair few houses in my time and I’ve had some great landlords, but I’ve also had some pretty shocking ones. Property is such a popular investment at the moment because you can charge a good amount of money in rent every month, and the value of your property is very likely to increase year on year. With so many people jumping on the bandwagon, the number of bad landlords is always rising. The main reason that landlords fail to cater to the needs of their tenants is…

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