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