A home purchase is the largest purchase the average American makes in their lifetime. A home purchase is a lifelong purchase, so the savings don’t all occur up front like a typical. As such, making a smart purchase can save money not only in the short term, but in the long run.
Short term means money saved on the actual purchase price. Long term savings come in the form of lower monthly payments and lower maintenance costs. Ways to save money in the short term include:
This is a guest post by Phillip Randazzo, the Founder and Chief Executive Officer of Nevada Benefits Corporation, one of Nevada’s leading health insurance brokerages and financial advisors. Phil’s philosophy that “people don’t just get sick or need assistance Monday-Friday, 8:00 a.m. to 5:00 p.m” prompted him to service his clientele 7 days a week from 7:00 a.m. to 9:00 p.m. This exceptional customer service has helped to grow Nevada Benefits Corporation to the multi-faceted agency that it is today, servicing thousands of satisfied clients through referrals and recommendations.
Photo Credit: William Hook
Dining out is unquestionably one of the preferred after-hours activities that countless people frequently enjoy. Even with the global economy still unstable and tough on the wallets, people often seem to make the time – and find the money – to go out for a bite at their favorite restaurants. The average family in the U.S. spends about $2,500 on dining out annually, which is a lot.
The great news for those who do not know is that you can save loads of money on your bill each time, by using a few of the best Smartphone applications on offer. These applications that work well with various mobile operating systems, including Android and iPhone, are individually geared towards saving you money each time you eat out.
People who don’t eat healthily or who don’t have the physique they want will often make excuses for their tardiness and explain it away as not having enough time or as having a bad metabolism. Another excuse you’ll hear regularly though that doesn’t quite hold water is that they don’t have the money they need to eat healthily – and this is often an excuse that affects their children too.
In reality though there is no real reason that you can’t eat healthily on a budget, here we are going to look at why.
One thing people often use as an example when claiming that it’s cheaper to eat unhealthily is that a Mars Bar or Snickers are less than a dollar. While this is true though, it’s worth mentioning that bananas, carrots (a raw carrot is a surprisingly good snack) and apples are even cheaper. Don’t make the mistake of buying these from the snacks section, or from sandwich shops or newsagents – instead just go into the back of the store and buy them from the fruit isle where they’ll cost you barely anything. Do this next time you want a snack while you’re out and this is the cheapest and healthiest way to get a cheap sugar boost. Then there are all the other options that aren’t crisps or chocolate like nuts, vegetable crisps or crackers and a dip.
Looking for a home isn’t anywhere as easy as choosing what clothes to wear. It is a tough decision to make since you have to consider your family’s welfare on top of your own. It doesn’t matter if it’s considered on the “hot” list or if it’s been running vacant for months. If it isn’t the right fit, it’s not worth buying. So before signing on the dotted line, sit back and study how you can make this a sweeter deal.
For the past years, tables have turned in favor of rentals dominating the market. Recession-related unemployment meant lower income for households, making it impossible to buy new homes these days. Left with no other option, families were forced to settle for rentals until such time the economy stabilizes. While renting may seem a downgrade if you were used to living on a small estate, if you look closely, it’s not all that bad. And with a little added strategy and creativity, you could transform home deals from good to downright awesome!