| Saving for a Down Payment is hard work, so | | | | Condos that are all over the place, now. They |
| it's a good idea to really want to own your | | | | have really good Payment Plans, and if you |
| own home by the time you begin your Savings | | | | make your Purchase before they're built, |
| Account. It's difficult to turn down a | | | | you'll score a great deal.Contact a Realtor |
| weekend in the Bahamas (or Downtown at the | | | | to find out what's available in your Price |
| Clubs!) when you don't have a definite | | | | Range -- they're there to help you, and can |
| goal.Step One: Get a Job! This will | | | | really help to narrow down the field and get |
| definitely help you to find the money to | | | | you into something you can afford and |
| save! ha,ha!Step Two: Keep the Job -- | | | | love.Remember that you don't have to live |
| longevity on the Job is a major factor the | | | | anywhere forever -- a lot of people fall into |
| Financial Institutions look for when your | | | | the trap that they can't buy because they're |
| trying to qualify for a Mortgage.Step Three: | | | | not sure where they'll be 5 or 10 years from |
| Go over your spending habits with a fine | | | | now... even if you only have a year that |
| tooth comb. (Please, this is strictly | | | | you're sure about, go ahead and Buy. You can |
| figurative! No yucky combs on your Financial | | | | always sell it, and you won't lose money on |
| Papers!) Ask yourself some very serious | | | | Real Estate -- maybe you'll walk away with an |
| questions -- Do you really need to spend | | | | extra $10,000. - $50,000. from the Property |
| $5.00 for a cup of coffee five times a day? | | | | Values going up! Now, that ain't bad! Not bad |
| Even though it's fabulously delicious?? Even | | | | at all!Here's a little Tip for Women: You |
| one cup at $3.25/day is $1186.25 a year. Five | | | | know, it's more common than you might think |
| cups at price per day would be $5931,25. | | | | that a lot of women are 'waiting for a man' |
| That's a lot of money, and often enough for a | | | | before they even start to think about buying |
| Down Payment.It's a good idea to right down | | | | a place. Forget that! Men, Schmen! Go get it |
| everything you actually purchase -- lottery | | | | yourself, Girl! And keep it until you're sure |
| tickets, coffee, lunches, snacks, clothes you | | | | you really like him... In the 'olden days', |
| don't really need -- it's the 'little | | | | like when I was in my twenties in the early |
| incidentals' that really add up.Step Four: | | | | 80's (!), there was a weird thing that if a |
| Start a separate Bank Account, just for your | | | | woman had her own place, then she was putting |
| 'house-to-be'. Anything you can put in there | | | | out a message that 'she didn't need a |
| is good -- if you can manage $25.00/week, | | | | man'..., and so a lot of women would wait |
| that's $1300. a year; $50./week gets you | | | | until marriage before attempting to purchase |
| $2,600. a year, and if you can swing a $100. | | | | a home.Thank God those days are gone! |
| week, that's $5200. in a year.You'll be | | | | Puh-leeease! It's always nice to have a man, |
| shocked at how easy it is to piddle away | | | | but women don't technically need them ... for |
| $100. on all sorts of little things -- when | | | | any length of time, anyway... and you can go |
| you make the big decision to Buy Your Own | | | | ahead and get your own place without waiting |
| Place, all of a sudden, you'll find yourself | | | | for anyone. You can be comfy and cozy on your |
| prioritizing...and that doesn't mean you have | | | | own no matter who you are... you can always |
| to slap your own hand to stop yourself from | | | | sell it later and buy something different |
| frivilous spending (which, sadly enough, | | | | together, which is a healthier to do for a |
| happens to be the most fun type of spending! | | | | new relationship, anyway, right??So start |
| ha,ha!). You'll just make the decision one | | | | Saving and before you know it, you'll be |
| day that you need to Own Your Own Home so you | | | | moving into your very own home. Then you can |
| can 1) Make Money, 2) Not hand over your | | | | start saving up to go to the Bahamas, and go |
| money and have nothing to show for it at the | | | | dancing on the Island!Ailsa Forshaw is a |
| end of the day -- say, Monday...yuff, yuff! | | | | Writer, Builder, Website Owner & Manager, |
| 3) Secure your Future.Step Five: Find out how | | | | Teacher, Mother... all in Alberta, Canada. |
| much you can borrow for your new place. Click | | | | She is Married with Two Lovely Children, and |
| on-line so you can quickly determine this | | | | one gorgeous wee dog. Her Website, is chock |
| info. Especially if you're new to the Real | | | | full of all sorts of useful & fun information |
| Estate game, it's less stressful than heading | | | | to help anyone become Financially Successful, |
| in to the Bank, plus you don't have to make a | | | | Slim, Trim, and Happy... what more could you |
| special appointment!Step Six: Start Looking | | | | want?? Pop in for a wee visit! |
| for Your New Place! Check out the great new | | | | |