5 Ways to Save for a Mortgage Down Payment

Owning your home might feel like a pipe dream if you do not have enough money for a deposit. However, there are many ways to boost your bank balance, so you will soon receive the keys to your first property. Read the five ways to save for a mortgage down payment.

1. Open a Savings Account 

Separate your income from your mortgage savings, so you will never unwittingly or deliberately spend the money. Look for a high-interest account that will allow you to maximize your savings, so you can make a down payment on your dream home sooner rather than later. Do your homework to find the best savings account for your cash.

2. Create a Budget 

Before you start saving, you must first identify how much money you will need to put away each month. Factor in all your monthly bills, such as your rent, car payments, credit card debt, shopping budget and more. Review the numbers to discover if you are spending too much money on a morning cup of coffee, or if you can consolidate your debts into one lower monthly repayment.

Once you have identified how much cash is left at the end of each month, you will know exactly how much money you will need to save – so you can estimate how long it will take to put down a deposit.

3. Start Selling Your Stuff

Sell your unwanted items to boost your bank balance and save for a mortgage deposit. Advertise your unwanted gadgets and books on a marketplace smartphone app, online auction website or at a second-hand store. You can even sell a gift card for cash at ejgiftcards.com. Not only can it amplify your savings, but it will help you to downsize your belongings before you move into your new home.

4. Save Your Windfalls 

Saving up all those little financial windfalls can make a big difference to your savings. Whenever you receive money for a birthday, tax refund or bonus, you should use the extra cash towards your deposit. You could even ask friends or family members to swap a present for money when presenting you with a Christmas, wedding or anniversary gift.

5. Have an Emergency Fund 

Life can sometimes stand in the way of our dreams. Unfortunately, a car repair, medical expense or unexpected bill can eat away at our finances. If you don’t have a rainy-day fund, you might have to dip into your savings. To ensure you don’t need to take money out of your account, we recommend having an emergency fund, so you will be financially prepared should the worst happen. The financial flexibility will ensure you remain on target so you can finally invest your hard-earned savings into a new home.

Do you have any helpful tips for saving up for a mortgage down payment, or handy advice for budding home buyers? Feel free to share your helpful tips with our readers by writing a comment below.

How To Dress Fashionable On A Tight Budget

We all want to look good, but sometimes our budget says "no" to us, so that we have to do something to have a wonderful outfit, but spend not really that much money. The experts claim that we shouldn't worry and that it is easy to look great even on a tight budget.

Here are the tips they suggest to follow: 

1. Visualize What to Wear 

Katie Cline recommends planning what you are going to buy. She states that each buyer has to develop his or her clothes vision. Katie insists: "You've already decided how you want your wardrobe to look, so start going through and finding what fits your vision and what doesn't". It means that first of all, you have to take a pen and a sheet of paper and write down or draw what wardrobe elements you really see on you. It worth mentioning that this should be those clothes you like the most and which fits you the best.

2. Manage Your Present Clothes 

Katie is rather radical about the clothes you don't like right now or that does not fit you. She simply notes: "Take the pile of things you don't wear or use and…Sell, trade or toss". This is a good idea, isn't it? If you trade your present clothes, you can earn some money and invest it in buying the clothes that you like, which fits you, and which is top trendy now. also, if you hate the memories about the clothes item, you would better throw it into trash.

3. Limit Your Spendings 

In order to look expensive on a budget, you'll need to limit yourself. Cline suggests setting a spending goal per month that you can live with. Just mark the amount of money you allow yourself to spend each month with no regrets and troubles. Doing this will help you concentrate more on the products affordable for you. In such a way you will find the acceptable price, no doubt.

4. Update Accessories Only 

Buying clothes every season might be too expensive, so it's better to do it once in a few years. Jacqueline Curtis offers purchasing only the accessories to underline your style. That will refresh your look and if you select the right classical clothes, your surroundings will not even notice that you wear the same shirts for a few seasons. Accessories have a great power, so use them!

5. Shop at the Discount Stores 

There is a lot of stores where you can find the brand new clothes or shoes for a small price. For example, you may visit Marshall's, Ross, TJ Maxx, or Burlington Coat Factory and find there is a great choice of a superb trendy end-of-the-season clothes. Why should you pay more if it's so easy to pay less?

6. Wear 3 Bs: Black, Blazer, and Boots 

If you want to look stylish on a budget you will have to have few main elements of wardrobe for each day. You have to be able to wear them everywhere and for every event. For example, it can be short ankle boots, black, and blazer outfits. Such a casual style can be wearable almost for every event and you will finally save money.

All in all, the idea is that you have to think twice or more before you go shopping if you are on a budget. Sometimes looking expensive is such a task, but you can complete it and shine like a star!

We believe in you and your ability to be the creator and the stylist of yourself! Have a great day!

Pretty Hair Ideas To Style Natural Curly Hair

Do you have curly hair, but dream about straight? Don't hurry up to iron your beautiful hair, and better take the following hairstyle ideas into consideration. And yes, we know how difficult it might be sometimes to style your hair every morning because of its unusual, however, amazing structure.

Pardon, but we would not recommend you to straighten your hair. Otherwise, we want to encourage you to highlight your curls. The only thing, which is needed is you who make the choice which one of the hairstyles to choose today.

Yeah...we know that you may still think that men do not like curls, pushing you to get rid of them. But that's not true in reality. Tastes differ, and to tell the truth, some men like gorgeous short curly hairstyles, whereas others prefer flat-ironed straight.

 

So which hairstyle to choose? Curly or straight?

The idea is that your hair should always be cared of correctly and it does not really matter, which trend you'll follow - bonded hair extensions, curly or flat-ironed. Nevertheless, we prepared a list of hairstyles for short curly hair to style your hair every day in case you choose to leave your curls or waves. They are quite easy but sweet. Just have a look at them:

1. Messy Low Bun

2. Two Side Twists

3. Half Up Half Down Pigtails

4. Half Up Half Down Two Buns

5. Simple Half Up Half Down

6. Half Up Half Down Bun

7. Front And Back Buns

8. Simple Messy Bun

Hope you’ve chosen the hairstyle idea created just for you! 

 Have a nice day and don’t be too serious!;)