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Fast ways to save money to buy a home in 2020

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It takes a lot of struggle to be a homeowner. Dreams take their own cost to turn into materialistic realities. Don’t worry, it is about the financial cost, but that makes a bunch of intense efforts. The prime concern of a person who is planning to buy a home is to save more, more and more. 

Larger the saving bigger is the deposit amount, and smaller is the mortgage amount. The prime message is SAVE AS MUCH AS POSSIBLE. For that, you need to apply some small yet useful tips to create a significant nest egg and get a reliable back up to sponsor your dream home.

  • Embrace minimalistic lifestyle for a considerable time

If you think it is a joke, then you are wrong. Look around, all our expenses in some or other way are stimulated due to our lifestyle. 

  • Nowadays we do not need any reason to go to a party, and every weekend becomes the occasion 
  • New jeans or dress on Amazon becomes your crush, and at any cost, you want to buy it. 
  • The clutter of coffee mugs, clothes, make-up stuff, collection of mobile phones, etc., mirror our materialistic and uncontrolled desires. 

Everything that drives you to spend unnecessarily should be banned for a long time. Buy only those things that relate to the elemental needs of food, shelter and clothes. After all, this change is for your good and better future. 

  • Make a smart investment but not in the property as you need a mortgage

Absolutely! With stock, bonds, funds, technology firms, etc., the investment market of the UK is quite versatile with many good options. Invest your money in something promising on the return part. 

Yes, the property investment can be postponed until you get a mortgage for the current home you want to buy. It is necessary to leave big breathing space in your creditworthiness to adjust the home loan instalment that is destined to be the reality soon. 

  • Pay off the small debts

Small things scatter more and are tougher to gather. All your small debts take a small amount of share from income, but collectively they become more prominent in size. Usually, they become one of the significant causes of your derailed debt-to-income ratio.

Paying off the debts through spending a big part of your income will free you from the future burden. However, if paying off is difficult, at least go for part payments to squeeze the instalments in size. This trick naturally loosens the clutch of financial obligation on your earning, making space for saving goals. 

  • Keep your credit score good

When your financial records are flawless, and credit rating is good, you get a home loan on cheaper rates. However, still, the search can be difficult, but why to worry? For a promising fund seeker, it is not difficult to find a mortgage broker online in the UK. As per my view Shine Mortgages is a best mortgage broker online in the UK. You know very well how much finance companies love people with the good credit score. 

With a proud payment history and recent financial behaviour, you can easily win a mortgage approval on lower interest rates. Once you get to know that it is possible to get a cheaper mortgage deal according to your affordability, you can expand your saving size. 

  • Use credit cards only for bulky purchases

All know the monstrous nature of the interest rates of credit cards. There is no introduction required to the financial mess that the pending debts of credit card cause in our lives. Taking out your credit for every small transaction is not a smart way. 

The purchases that include bulk should be handled with the card payments, for example –

  • Grocery stuff that you purchase once in two weeks or once in a month 
  • Shopping new clothes for the family for a vacation
  • Buying gifts for relatives on a festival like Christmas, Halloween etc.

Utmost caution is required on the use of credit card, as it becomes one of the biggest reasons for the increased debt burden. If you miss to handle it on time, there may be chances of rejection on a mortgage application. Lenders all finance companies know how people fail to manage a disciplined use of credit cards. Then they keep getting deep in the debt pit. 

  • Try to keep the income of partner untouched for the saving purpose

If there are two earning members in the family, make all the efforts to keep the salary of one of you undisturbed. Try to manage all the household expenses from one income. Grocery, daily commute, rent, electricity bill, water bill, gas connection, small debts and whatnot. Yes, the list is undoubtedly exhaustive. 

To get something, you need to invest something. Whether it is the money of hard work, to get the desired outcome, a series of attempts is required. It may need time to bring the trick in practice, as a considerable change is necessary for the budget. For a brighter future, the adjustments of TODAY are worthy. 

  • Use money-saving apps

Why not employ technology to meet your saving targets. There are varied types of apps that can bring a difference in your finances. 

  • Apps to compare products before you purchase
  • Budgeting apps to decide where you are spending
  • Saving apps that use your bank account details to tell how much you can afford to save

Apps make your work handy, and every time you can know the latest situation of personal finances. When totality is in knowledge, it becomes easy to detect the loopholes and repair them. 

  • There can be only one conclusion

Home buying brings together the need to think mature and take the right action at the right time. Please do not keep your plans on paper only, make them a reality. Financial arrangements and back up is most important. With proper savings, you do not need to invite the additional burden of a personal loan (which many people do) to arrange a deposit fund. 

Keep the money management healthy and uncompromised, and then nothing is complicated. Perhaps we need to change our perception that buying a home is always tricky. Discipline in your habits can make impossible things easy. Change the practice, and you can change the result. 

Description – Read the ways to save money faster for home buying. The ways demand a small but essential change in daily practices and the manner you tackle money. 

Lifestyle

How to get big discounts on Amazon India?

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Amazon is one of the biggest ecommerce platforms in India and around the globe. On the website you can find almost all the products that you wish to buy. From smartphones to daily use accessories, you name it and Amazon will make it available for you.

Also, the best part of Amazon is that it offers you heavy discounts on various products that the offline market has a huge price.

However, Amazon already sells products at a cheaper price. There are times when you might want to get extra discounts. So the question is How to get big discounts on Amazon India?

Well, in this article I will be talking about it only. I will be sharing a couple of methods which will help you to Amazon India Coupons and discounts.

So here we go:

Look for “subscribe and save” discount:

One of the first things that you can do is look for subscriptions and save discount offers. This type of discount is only available for the regular using products. For example, most of us purchase a packet of toothpaste each month.

And this is where you can look for a subscribe and save discount option. In this case, you will need to purchase a product that will get delivered to your doorstep after you have selected an interval period.

So if you have selected a one month time frame, then Amazon will ship toothpaste every month. Plus, the best part is that you can get up to 10% of discount by making the payment via Amazon pay balance.

Look for Amazon coupon:

Another thing you can do is look for Amazon promo codes. There are quite a lot of websites available out there that daily posts Amazon discount codes. And by searching the internet a little, you can find good discount coupon codes which will help you to save a lot on a wide range of products.

However, you may find that one or two coupon Amazon coupon codes might not work or it will expire. But make sure to try a few coupon codes before coming to a conclusion.

Check latest Amazon pay balance discounts:

You probably already know that Amazon has recently come up with an Amazon pay balance wallet. So in order to promote the wallet, Amazon is offering heavy discounts.

Hence, whenever you buy a product, you might get to see discounts on using Amazon Pay Balance. So do look on the product page and check if there are any discounts or not.

Even Amazon also offers you various coupon codes for different bank credit cards and debit cards. So you can check that also.

Use Amazon Affiliate:

You can also use Amazon affiliates as an indirect way to enjoy discounts. Amazon Affiliate lets publishers earn some percentage of commission on product sales.

For example, publishers do promote amazon products using a special link, and whenever someone makes a purchase, the publisher earns a commission.

However, for this, you will need to use a separate account for Amazon Affiliate. Else you will not get the commission. Also, to get started with this, you need to sign up for Indian Amazon Affiliate and then create product links and buy the product using it.

Once done, Amazon Affiliate will credit a commission to your account. And you will be able to withdraw it once it reaches 1000rs balance.

Final Words:

So those were a couple of ways to get a big discount on Amazon India. Now go ahead and try out these methods and see if they are working for you or not. Also, for any questions, do comment below.

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5 Reasons Why Virtual Wedding Will Help You Have A Intimate Wedding

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virtual weddings

Virtual weddings have become a very common term since 2020, while to-be-wed couples felt it difficult to plan their weddings, while there were few couples who preferred to have an intimate wedding when they have also invited the rest of the wedding guests to join them virtually. This is an easy solution for the couples to conduct weddings as they made sure that their guest’s safety in terms of their health. So here are 5 reasons why virtual weddings will help you have an intimate wedding.

  • It’s Safe

Health is wealth, let’s not even start with how much we have gone through in terms of ensuring safety from the virus. Similarly, it’s high time we concentrate on the safety of others in the family while attending a wedding. It is recommended to go with attending a virtual wedding as the couple prefers an intimate wedding and by doing so, it ensures one hundred percent safety.

  • It’s all about the wedding

 Weddings do have a lot of expectations on how it is conducted, where is conducted, the kind of outfits we can wear for the wedding and s on but it is all secondary. The primary importance of attending a wedding is to bless the newlywed and to also socialise. And for the couple, it is to get married to their loved one. So no matter how the wedding takes place, where the wedding is conducted – the wedding of the two individuals has to happen. Because that’s the ultimate reason why we celebrate this season of love. So let’s just keep that in mind and allow technology to help us connect in this pandemic situation and participate in smart and safe weddings.

  • Money saved

It is a known fact that a lot of money is saved when we decide to conduct a virtual wedding. And it is even better when these weddings are conducted with the help of professionals for avoiding network and other tech-related issues code vein gift guide, so it is advised to go with their support while its offered at affordable ratings and save money. The sttress about arranging money to conduct a wedding in 2021 has diluted as most couples prefer virtual weddings.

  • Easy allocation of venues

While it’s hard to find proper venues for the wedding, through a virtual wedding it gets easy to instantly find wedding venues as it occupies less space.  It is easy to accommodate a few guests in a venue and conduct an intimate wedding.

  • Experience a relaxed wedding

It is certain that planning and conducting a wedding is stressful but when the wedding is virtual it makes it relaxing for us both the wedding guests and the couple. Thereby it gives a stress-free wedding experience, where we need not worry about carrying our heavy outfits or even the calories in the wedding food. It makes it convenient for us to view the wedding at our comfort.

The above mentioned reasons consolidate on why virtual weddings help us to have an Intimate wedding. So let us make use of the technology and adapt ourselves to the future of weddings.

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Lifestyle

What you should wear to date with your lovable one?

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Men's Grooming

Most people are started to prepare themselves for valentine’s day because it is one of the perfect days for sharing your love. Many of you are confused about what to wear on a date but you no need to bother about it because here you will get the perfect idea about grooming. There different kinds of men’s wear are available but you should wear the casuals and it must be in a light color shirt and dark color lowers.

Better to wear the same color dress 

If you are wearing the light color your valentine will be more comfortable with you and they will never feel uncomfortable at any time. From this YouTube channel, you will get multiple date outfit ideas and it will be more helpful for improving your look. Women should the casuals with the same color as their lovable ones and it will give an excellent look to you. Some people are wishing to wear a pair of t-shirts but it is not will give a genuine look so it is better to avoid it.

If you are wearing a pair of t-shirts with love quotes it will make you like a show peace and no one ready to admire you. The valentines day gift must be the unique one it must be looking like expose your love so try to buy the gift like a unique one. Some people are wishing to make handmade gifts and surely it will be more helpful for making your relationship stronger.

Try to surprise her in a unique way  

The handmade gifts are unique and precious to them and no one can underestimate the value it at any time. The women will expect more from their lovable one so try to surprise her in a unique way. The Men’s Grooming must be the simple one and it will not be the grand one at any time. If you are wearing great outfits then surely it will make her uncomfortable with you.

You must start to celebrate your valentine’s day with the cake cutting process and this will be the perfect startup for the day. Then you will share your gifts with each other and open them one by one and it is better to shoot them with your mobile phones. Everyone doesn’t have enough wealth to surprise their lovable one but you no need to bother about it a simple rose and true words are enough to expose your love.

Expose your love with unique gifts 

If you are regularly following this YouTube channel you will get a better idea about Men’s Style so don’t miss this unique one for any cause. So try to surprise your valentine with your extreme love and try to marry them with your parent’s support. For every Valentine’s Day, you should have the responsibility to expose your love and try to make your lovable one happy with you. If you are implementing these steps for celebrating your valentine’s day then surely it will be the memorable one for you.

          

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