As a married woman, there is not a more helpless feeling than being totally financially dependent on your husband. Still, after years of marriage, many women find themselves in this very position.
Thus, once you have decided that you will be buying a new home, you have to do your homework. Research on the things you have to know about buying a house. Learn the ins and outs of the housing market so you will not be easily fooled by the people you deal with. Remember, these people do everything for them to earn a lot. They can entice you so much into buying in an impulse. So it would be better if you have some knowledge about what you’re getting into.
Keep track of everything. The main reason we find that there is no money at the end of the month is simply because we don’t track it all. When possible, pay with cash. This makes it easier to keep an eye on how you are spending and reduces the possibility of credit card debt. Then make sure that you write everything down. Go over your spending each week and again at the end of the month. You will be surprised at where you can cut back.
The first reason why we should keep the yellow gold there is safety. It is not safe to keep large amounts of gold or money in your house. Nobody can guarantee that you will not find yourself with intruders in your home trying to steal part if not all of your sspn. Alarm systems, safe boxes and the family’s pet won’t stay in the way of a heartless thief.
If you are a first time buyer, your best option is to sit down with your mortgage broker and decide exactly how much you will need to close. Since you don’t have a current mortgage with built up equity, the money will need to come from somewhere else. If you decide that you just don’t have enough for a large down payment, you may have to settle for putting down what you do have. This could result in a larger monthly payment but at least you will be in your desired home.
The problem with wanting to get started with a plan, and not doing so, is that with every passing day your problem is growing and growing. Why? Because the time left to provide for your 20 years in retirement, without an income, is getting shorter and shorter. Time is your friend if you start early but your enemy if you start late.
Of course, it’s even better to invest that few thousand dollars in a way that will allow you to take as many Hawaiian cruises as you want, once you retire.
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