Friday, 24 March 2017

Why You Should Consider a Dog

If you have children then you are bound to be discussing pets every month at least.  From a hamster to a horse and all that is in between.  Children love animals and who can blame them.  However, whilst you may be saying no each and every time they bring the subject up, there is one animal which could change all of your lives. 

The dog is known as man’s best friend for good reason.  He really is.  A dog will offer council when you don’t even realise you need it.  He will listen to all of your problems and love you regardless of what mood you are in.  They act as security for your kids and all they ask in return is for you to treat them well, feed them and maybe chuck them a luxury dog bed.  Although if you don’t, your bed will be just fine.

Anyway, here are 10 great reasons you should consider a dog.   

1: When you drop food on the floor, they will eat it. So you probably will find yourself vacuuming less.  However you may want to remember they will happily take your sandwich straight from your hand.  So keep them away from the table at dinner time.  

2: They force you to exercise. Dogs like to go for walks. It gives you the perfect excuse to get out and get fit.  You may also find the more you walk, the sooner you naturally want to run! It’s worth a go.

3: They are always happy to see you. Dogs get so excited when they see you.  Even if you have just nipped out to the bins.  You will return home to a greeting like you are one of The Beatles.

4: When you are home alone you have someone to talk to.  This may sound strange but as your children grow old and start to get social, you are going to be left in a quiet house a lot.  Yeah, sounds blissful now, but actually it is really hard to get used to the silence.

5: A dog teaches your children responsibility. Especially if you give them jobs such as feeding, topping up the water bowl or taking pooch for walks.  Also, dogs tend to enjoy chewing things, so anything left where it shouldn’t be will probably get chewed.  A great lesson in tidying up.

6: The above can teach your children about anger control.  You can’t be cross when it is your fault.

7: Ever tried a dog hot water bottle? They are the warmest things on earth.  In winter, you are going to love this.

8: Kids learn about taking care of someone other than themselves.

9: There is nothing your dog won’t know about you, the kids or your husband.  And he will keep it all a secret.

10: Dogs love you like you are the best person ever. What’s not to like about that?

Dogs really can bring a family together and give your children a best friend for life.  So next time the kids start pestering you, why not think about it.  You might just bring family member into your life that completes your world.

3 Tips to Get You Saving for a Home

The cost of buying your first home nowadays is something to behold. It’s pretty uncommon to get a 100% mortgage, and you are more likely to be required to put down a 20% downpayment in order to secure your loan. This can take an age to save up, especially with the current cost of living, and even more so if you’re using that money to rent somewhere. However, this doesn’t mean that the end is not in sight for your renting days - it simply means that you have to consider options that you hadn’t even thought of.

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Move Back With Parents

Although it may feel like a step in the wrong direction, if you are able to move back in with parents, or other members of your family or some good friends, you will be able to save money. Unless they’re charging you the same amount of rent as you would be paying on wherever you’re currently living, you could be saving yourself a small fortune. Bills, utilities, insurances etc. will not have to be paid out by yourself. If you’re really lucky, they won’t charge you anything; but don’t take advantage of this. Treat it as a short-term plan and get your saving head on. It’s not an excuse to go out and spend the extra money on nights out or gadgets that you’ve been coveting for months; keep on plan and you’ll be at your money goal before you know it.

Don’t Buy A House

Not buying a house when you want to buy a house can seem like a strange thing to suggest, but you don’t have to go for the traditional bricks and mortar. For example, you could have a look at mobile homes that are available in your area, which are traditionally a whole lot cheaper than a normal house. You could invest in a boat to live on, take out a tent to camp for a year [which sounds basic, but with all the features that are available for them now, they’re easily adaptable to your needs], or even live out of the back of a campervan/trailer. There’s so many options out there that it can be hard to know where to start. However, if you’ve set your sights on a house and nothing else, then keep your focus on that.

Move House

If you’re renting, you have the option of moving quite freely and easily depending on when your contract ends. If you know that you are paying over the odds for where you’re living, or could fit everything into a smaller house/space, then take a look around and see what’s available to you for a cheaper rate than what you’re paying now. Anything that you save should go straight into a bank account that doesn’t allow frequent withdrawals to allow you to build it up for a deposit. It’s surprising how quickly you can actually amass the amount you need when you’re not really noticing it coming out of your budget - if you’re used to paying that amount for your rent, for example.

Wednesday, 22 March 2017

Top Tips to Help Cut the Cost of Living

Unless you are a multimillionaire, the cost of living will always be expensive. After all, there are bills to pay, kids to look after, and money to save for the future. At the end of the month, the amount you have left for yourself can seem pitiful. And, that is a problem because it is vital to have a treat every now and again as it keeps spirits high. The trick is to cut the cost of living so that you have more left over in your pocket. But, how do you do it while maintaining your current lifestyle? Here are a few tips that will help.

Pick A Cheaper Place To Live

Have you moved into your house yet, or do you plan on moving? If you haven’t moved in or do want to move, it is always a good idea to think about the surrounding areas. Every town or city has places which demand a high wage to live there, and you want to avoid these areas. It isn’t like you are going to avoid them forever – more like for the short-term. For now, you need a place that suits your wage and your lifestyle. All you have to do is find a part of town which has lower house prices and a lower living cost and make a bid. The amount you save will be enough to improve your lifestyle in other ways.

Slash The Overheads

Owning a property means you have overheads, yet these overheads don’t have to be a problem. Sure, they are necessary, but they don’t have to be necessarily high because you can make them cheaper. For starters, get a smart thermostat for the house. A smart thermostat regulates the temperature so that you use a constant flow of energy and don’t go overboard. Then, think about how much electricity you use. Do you leave the lights on when you’re not in a room? If so, turn them off and the bill won’t be as high. Also, turn off the electronic which are on standby because they are guzzling energy too.

Check Potential Benefits

You might be eligible for benefits even if you don’t think are because the state offers them to everyone. Take child benefit as an example. Every parent gets a stipend from the government until the kids turn 18, at which point it stops. Up until they are 18, however, you can claim the money and use it to pay for their upbringing. The result is that you should use less of your wage on the kids, and you will have more in your pocket.

Get Contents Insurance

Sometimes you have to spend money to make money. Contents insurance is a great example because a home warranty plan will save you money should anything happen. And, although it never seems like it will, the worst things come out of nowhere and hit the hardest. If you don’t have the cover, you will have to pay to replace everything in the house which will cost a fortune. In fact, it will be way more expensive because furniture, electronics, etc. aren’t cheap.

It might sound cynical but you should always prepare for the worst.

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